As of 6 Nov 2026, Reliance Home Finance trades at 3.2× trailing earnings, and the shares are 64% below their 52-week high. Its net worth is negative, as liabilities exceed assets, and borrowings are ₹40 Cr. It is a small-cap company with a market cap of ₹65 Cr, ranked 15th of 21 Mortgage Finance companies by market cap; the shares fell 59% over the past year.
- ₹1.34
- ₹1.37
- ₹1.32
- ₹1.37
- 2 L
Health check
- ReturnsBehind
−59.1% over a year, better than 0 of 7 peers.
- Price tagNegative equity
Book value is below zero, so P/E and P/B mislead here.
- Growthn/a
Not enough yearly results to measure.
- ProfitabilityDistorted
With negative net worth, return ratios are meaningless.
- Balance sheetSolid
Return on assets 153.94%. Bad-loan data isn’t covered.
- Red flags2 to check
Negative net worth: liabilities exceed assets.
Small cap
Defensive
Key metrics
- Market cap
- ₹65 Cr
- Small cap
- P/E
- 3.2
- Industry 12.2
- Price to book
- −1.73
- Peers 1.55
- Dividend yield
- 0.00%
- ROE
- n/a
- Peers 14.3%
- ROCE
- n/m
- Not meaningful for lenders
- Debt to equity
- n/m
- Not meaningful for lenders
- EPS (TTM)
- ₹0.42
- Face value ₹10
- OPM (TTM)
- 432.0%
- Net margin 0.0%
- Sales growth
- n/m
- Not meaningful for lenders
- Profit growth
- n/a
- Year-ago quarter not reported
- Price to sales
- −95.75
Strengths and risks
Risks to check
- Negative net worth: liabilities exceed assets.
- 64% below its 52-week high.
About Reliance Home Finance
Reliance Home Finance Limited engages in the housing finance business in India. The company offers a range of loans, such as home and affordable housing loans, loans against properties, and construction finance loans. It also provides property services. Reliance Home Finance Limited was incorporated in 2008 and is based in Mumbai, India.
- Headquarters
- Mumbai
- Sector
- Financial Services
- ISIN
- INE217K01011
- Website
- reliancehomefinance.com
Price range
- Avg volume (3M)
- 5.7 L
- 1-year return
- minus 59.1%
- From 52-week high
- minus 64.1%
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% |
| RHFLReliance Home Finance | 1.33 | minus 2.92% | 65 | 3.2 | −1.73 | – | 153.9% | – | 0.00% | minus 59.1% |
| 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 | Mar 25 |
|---|---|
| 0 | |
| 0.7 | |
| −0.7 | |
| −36215.8% | |
| −6.9 | |
| −21.3 | |
| −28.9 | |
| −0.7 |
Profit & loss
| ₹ Cr | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|
| 197 | 382 | 0.6 | 0.2 | |
| – | +94.2% | minus 99.8% | minus 64.0% | |
| 1,277 | 150 | 4.4 | 4.3 | |
| −1,081 | 232 | −3.8 | −4.1 | |
| −549.4% | 60.8% | −616.2% | −1852.2% | |
| 89 | 11.7 | −0 | −0 | |
| 2.5 | 2.5 | – | – | |
| 212 | 2 | – | – | |
| −6,700 | 9,052 | – | – | |
| −7,906 | 9,291 | −3.8 | −4.1 | |
| 31.2% | 38.7% | – | 1.6% | |
| −5,440 | 5,419 | −3.5 | 24.2 | |
| -112.15 | 111.71 | -0.07 | – |
Forecast
Balance sheet
| ₹ Cr | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|
| 485 | 485 | 485 | 485 | |
| −5,977 | −559 | −562 | −538 | |
| 11,917 | 1 | 91.4 | 40.3 | |
| 3,720 | 108 | 15.6 | 14.3 | |
| 10,144 | 34.9 | 29.8 | 1.6 | |
| 42.3 | – | – | – | |
| 295 | – | 0.3 | 0 | |
| 2,693 | 17.5 | 12.2 | 0.7 | |
| 7,113 | 17.3 | 17.3 | 0.9 | |
| 10,144 | 34.9 | 29.8 | 1.6 |
Cash flow
| ₹ Cr | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|
| −597 | 4,103 | −21.8 | 9 | |
| 848 | 103 | 0.6 | 0.2 | |
| −367 | −4,035 | 4.1 | −9.2 | |
| −116 | 171 | −17.1 | 0 | |
| −0.5 | −0.2 | – | – | |
| −598 | 4,103 | −21.8 | 9 |
Shareholding pattern
- Promoters0.74%
- Public99.26%
| Quarter | Split | Promoters | Public | Promoter change |
|---|---|---|---|---|
| 31 Mar 2025 | 0.74% | 99.26% | 0.00 | |
| 31 Dec 2024 | 0.74% | 99.26% | 0.00 | |
| 30 Sep 2024 | 0.74% | 99.26% | 0.00 | |
| 30 Jun 2024 | 0.74% | 99.26% | 0.00 | |
| 31 Mar 2024 | 0.74% | 99.26% | – |
Major shareholders
Filings & events
News
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