On 6 Nov 2026, India Home Loan was priced at ₹30.37, or 303.7× trailing earnings, and the shares are 28% below their 52-week high. Its ROE of 0.2% is the second-lowest among the 7 largest Mortgage Finance peers, and net profit fell 46% a year over 3 years. For banks and lenders, ROCE and debt-to-equity are not used; it trades at 1.05× book value. It is a small-cap company with a market cap of ₹43 Cr, ranked 18th of 21 Mortgage Finance companies by market cap; the shares fell 18% over the past year.
- ₹29.94
- ₹30.80
- ₹29.50
- ₹29.94
- 630
Health check
- ReturnsBehind
−17.9% over a year, better than 2 of 7 peers.
- Price tagCheaper
P/B 1.05 vs peer median 1.55.
- GrowthShrinking
Profit −45.8% a year over 3 years.
- ProfitabilityWeak
ROE 0.2% vs peer median 14.3%.
- Balance sheetn/a
Asset quality (bad loans) isn’t in our data.
- Red flags1 to check
Return on equity is low at 0.2%.
Small cap
Defensive
Key metrics
- Market cap
- ₹43 Cr
- Small cap
- P/E
- 303.7
- Industry 12.2
- Price to book
- 1.05
- Peers 1.55
- Dividend yield
- 0.00%
- ROE
- 0.2%
- Peers 14.3%
- ROCE
- n/m
- Not meaningful for lenders
- Debt to equity
- n/m
- Not meaningful for lenders
- EPS (TTM)
- ₹0.10
- OPM (TTM)
- 2.9%
- Net margin 2.2%
- Sales growth
- n/m
- Not meaningful for lenders
- Profit growth
- +560.6%
- Latest quarter vs a year ago
- Price to sales
- 6.51
Strengths and risks
Strengths
- Quarterly profit up 560.6% on a year ago.
Risks to check
- Return on equity is low at 0.2%.
About India Home Loan
India Home Loan Limited operates as a housing finance company in India. It offers home loans to individuals and families for purchase, construction, extension, renovation, and improvement; loan against property to individuals who own self-occupied residential properties; project finance; and mortgage loans. The company was formerly known as Manoj Housing Finance Company Ltd and changed its name to India Home Loan Limited in 2009. India Home Loan Limited…
- Headquarters
- Mumbai
- Employees
- 46
- Sector
- Financial Services
- ISIN
- INE274E01015
- Website
- indiahomeloan.co.in
Price range
- Avg volume (3M)
- 5.1K
- 1-year return
- minus 17.9%
- From 52-week high
- minus 27.7%
Peers · Mortgage Finance
| Company | ||||||||||
|---|---|---|---|---|---|---|---|---|---|---|
| BAJAJHFLBajaj Housing Finance | 80.00 | minus 3.80% | 66,632 | 23.7 | 2.77 | 12.4% | 2.2% | 26.7% | 0.00% | minus 24.1% |
| LICHSGFINLIC Housing Finance | 536.00 | plus 1.32% | 29,483 | 5.0 | 0.67 | 14.3% | 1.8% | 24.7% | 1.87% | minus 7.8% |
| PNBHOUSINGPNB Housing Finance | 1,100.20 | plus 0.02% | 28,694 | 12.2 | 1.42 | 12.3% | 2.5% | 29.9% | 0.73% | plus 18.1% |
| AADHARHFCAadhar Housing Finance | 429.65 | minus 1.96% | 18,836 | 16.1 | 2.48 | 15.8% | – | 26.2% | 0.00% | minus 13.9% |
| SAMMAANCAPSammaan Capital | 132.27 | minus 1.12% | 16,343 | – | 0.57 | −35.0% | – | – | 0.00% | minus 28.2% |
| HOMEFIRSTHome First Finance Company India | 1,090.90 | minus 1.13% | 11,408 | 18.5 | 2.44 | 14.3% | 4.0% | 33.3% | 0.48% | minus 7.7% |
| CANFINHOMECan Fin Homes | 748.95 | plus 0.72% | 9,973 | 8.6 | 1.55 | 19.4% | 2.6% | 20.5% | 2.14% | minus 13.7% |
| INDIAHOMEIndia Home Loan | 30.37 | plus 1.44% | 43 | 303.7 | 1.05 | 0.2% | – | −45.8% | 0.00% | minus 17.9% |
| Median of 7 peers | – | −1.12% | 18,836 | 14.2 | 1.55 | 14.3% | 2.5% | 26.5% | 0.48% | −13.7% |
Quarterly results
| ₹ Cr | Jun 25 | Sep 25 | Dec 25 | Mar 26 | Jun 26 |
|---|---|---|---|---|---|
| 4.3 | 3.5 | 3.3 | 3.7 | 2.5 | |
| 4.2 | 3.4 | 3.2 | 3.6 | 2.4 | |
| 0.1 | 0.1 | 0.1 | 0.1 | 0.1 | |
| 2.5% | 3.4% | 2.7% | 2.0% | 3.7% | |
| 0 | 0 | 0 | 0 | 0 | |
| 0.1 | 0.1 | 0.1 | 0 | 0.1 | |
| 0 | 0.1 | 0 | 0 | 0 | |
| 80.8% | −38.7% | 76.3% | 88.5% | −74.9% | |
| 0 | 0.1 | 0 | 0 | 0.1 | |
| 0.01 | 0.05 | 0.01 | 0.00 | 0.04 |
Profit & loss
- Profit CAGR 3Y
- −45.8%
- EPS CAGR 3Y
- −45.0%
- ROE
- 0.2%
| ₹ Cr | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|
| 22 | 12 | 13.2 | 14.5 | |
| – | minus 45.5% | +10.1% | +9.8% | |
| 19.2 | 16 | 12.5 | 14.1 | |
| 2.8 | −4 | 0.7 | 0.4 | |
| 12.9% | −33.1% | 5.6% | 3.1% | |
| 1 | 1.8 | 0 | 0.7 | |
| – | – | 0 | 0 | |
| 0.6 | 0.2 | 0.2 | 0.2 | |
| −2.3 | −1 | −0.1 | −0.7 | |
| 1 | −3.4 | 0.3 | 0.2 | |
| 38.6% | −2.2% | 21.4% | 44.4% | |
| 0.6 | −3.4 | 0.3 | 0.1 | |
| – | minus 668.9% | – | minus 64.7% | |
| 0.42 | -2.41 | 0.19 | 0.07 |
Forecast
Balance sheet
| ₹ Cr | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|
| 14.3 | 14.3 | 14.3 | 14.3 | |
| 30.3 | 26.9 | 27.2 | 27.2 | |
| 91 | 56.9 | 49.6 | 43.3 | |
| 3.6 | 5.9 | 8.6 | 12.5 | |
| 139 | 104 | 99.6 | 97.3 | |
| 0.3 | 0.2 | 0.5 | 0.3 | |
| 0.4 | 0.1 | 0.1 | 1.5 | |
| 0.3 | 0.5 | 0.6 | 0.1 | |
| 138 | 103 | 98.5 | 95.4 | |
| 139 | 104 | 99.6 | 97.3 |
Cash flow
| ₹ Cr | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|
| 34.8 | 27.6 | 12.3 | 5.9 | |
| −0.3 | 3.2 | −4.6 | – | |
| −34.7 | −30.7 | −7.5 | −6.4 | |
| −0.2 | 0.1 | 0.1 | −0.5 | |
| −0.3 | −0 | −0.5 | −0.2 | |
| 34.5 | 27.6 | 11.8 | 5.9 |
Shareholding pattern
This company is listed only on BSE, so there’s no NSE category split. See Major shareholders below for the named holders.
Major shareholders
Filings & events
News
No recent news coverage found.