India Home Loans

Why is India Home Loans Ltd falling/rising?

As of 25-Jun, India Home Loans Ltd's stock price is declining at 30.99, down 2.82%, with a year-to-date drop of 13.48%. This underperformance is due to several factors, including reduced investor interest and a bearish trend indicated by moving averages.

As of 25-Jun, India Home Loans Ltd is experiencing a decline in its stock price, currently at 30.99, which reflects a change of -0.9 or -2.82%. This downward movement can be attributed to several factors. Over the past week, the stock has underperformed, showing a decrease of -1.49%, while the benchmark Sensex has only fallen by -0.40%. Additionally, the stock has shown a significant year-to-date decline of -13.48%, compared to the Sensex's -9.53%, indicating that it is lagging behind the broader market.<BR><BR>Today's performance further highlights the stock's struggles, as it underperformed its sector by -2.73%. The moving averages indicate that while the stock is higher than its 20-day moving average, it remains lower than the 5-day, 50-day, 100-day, and 200-day moving averages, suggesting a bearish trend. Furthermore, there has been a notable decrease in investor participation, with delivery volume on June 24 falling by -65.93% against the 5-day average, which points to reduced interest from investors. Overall, these factors contribute to the stock's current decline.

Which are the latest news on India Home Loans?

How big is India Home Loans?

As of 10th June, India Home Loans Ltd has a market capitalization of 44.00 Cr, with recent Net Sales of 14.79 Cr and a Net Profit of 0.09 Cr. Shareholder's Funds are 41.44 Cr and Total Assets amount to 99.63 Cr as of March 2025.

As of 10th June, India Home Loans Ltd has a market capitalization of 44.00 Cr, categorizing it as a Micro Cap company.<BR><BR>In the latest four quarters, India Home Loans reported Net Sales of 14.79 Cr and a Net Profit of 0.09 Cr.<BR><BR>The latest annual period for the balance sheet is March 2025, with Shareholder's Funds amounting to 41.44 Cr and Total Assets of 99.63 Cr.

Who are in the management team of India Home Loans?

The management team of India Home Loans includes Mahesh Pujara (Managing Director), Mitesh Pujara (Whole-time Director), Siddharth Kothari and Vinit Rai (Nominees), Govinder Singh and Shakuntala Bharat Merchant (Independent Directors), Ayushi Thakuriya and Shilpa Katare (Company Secretaries), and Ramesh Madhavrao Bhujang (Additional Independent Director). This team oversees the company's governance and operations.

The management team of India Home Loans includes the following individuals:<BR><BR>1. **Mahesh Pujara** - Managing Director<BR>2. **Mitesh Pujara** - Whole-time Director<BR>3. **Siddharth Kothari** - Nominee<BR>4. **Vinit Rai** - Nominee<BR>5. **Govinder Singh** - Independent Director<BR>6. **Shakuntala Bharat Merchant** - Independent Director<BR>7. **Ayushi Thakuriya** - Company Secretary<BR>8. **Ramesh Madhavrao Bhujang** - Additional Independent Director<BR>9. **Shilpa Katare** - Company Secretary<BR><BR>This team plays a crucial role in the governance and operational management of the company.

Who are the peers of the India Home Loans?

Peers of India Home Loans include Repco Home Fin, GIC Housing Fin, SRG Housing, and others. Management risk varies, with Repco rated excellent, while India Home Loans and several peers are below average; Ind Bank Housing shows the highest 1-year return at 21.30%, while India Home Loans has a return of -15.10%.

Peers: The peers of India Home Loans are Repco Home Fin, GIC Housing Fin, SRG Housing, Reliance Home, Star Housing Fin, Ruparel Food, Ind Bank Housing, Sahara Housing, and Manraj Hsg.Fin.<BR><BR>Quality Snapshot: Excellent management risk is observed at Repco Home Fin, while Below Average management risk is found at GIC Housing Fin, SRG Housing, Reliance Home, Star Housing Fin, Ruparel Food, India Home Loans, Sahara Housing, and Manraj Hsg.Fin. Growth is rated as Excellent for Star Housing Fin, Good for SRG Housing, and Below Average for the rest. Capital Structure is Excellent at Repco Home Fin, GIC Housing Fin, SRG Housing, Star Housing Fin, Ruparel Food, India Home Loans, Sahara Housing, while Reliance Home has Average capital structure.<BR><BR>Return Snapshot: Ind Bank Housing has the highest 1-year return at 21.30%, while Reliance Home has the lowest at -71.22%, with India Home Loans showing a 1-year return of -15.10%. Additionally, the six-month return is negative for Reliance Home, Star Housing Fin, and Manraj Hsg.Fin.

What does India Home Loans do?

India Home Loans Ltd is a micro-cap housing finance company, incorporated in 1990, that provides home loans and related financial services. As of March 2026, it reported net sales of 4 Cr and has a market capitalization of INR 44 Cr.

Overview:<BR>India Home Loans Ltd operates in the housing finance industry and is categorized as a micro-cap company.<BR><BR>History:<BR>The company was incorporated in 1990 as 'Manoj Housing Finance Company Limited' and underwent a name change to India Home Loans Limited on February 11, 2009, after being taken over by Mr. Mahesh Pujara and Associates. The most recent quarterly results report net sales for March 2026.<BR><BR>Financial Snapshot:<BR>- Net Sales: 4 Cr (Quarterly Results - Mar 2026)<BR>- Net Profit: N/A<BR>- Market-cap: INR 44 Cr (Micro Cap)<BR><BR>Key Metrics:<BR>- P/E: 482.00<BR>- Industry P/E: 12<BR>- Dividend Yield: 0.00%<BR>- Debt Equity: 1.11<BR>- Return on Equity: 0.22%<BR>- Price to Book: 1.07<BR><BR>Contact Details:<BR>Address: 504/504A 5-Flr Nirmal Ecstasy, Jatashankar Dossa Rod Mulund-W Mumbai Maharashtra : 400080<BR>Tel: 91-22-25683353/54/55<BR>Email: ihll@ymail.com<BR>Website: http://www.indiahomeloans.co.in

Are India Home Loans Ltd latest results good or bad?

India Home Loans Ltd's latest results are concerning, showing a complete collapse in profitability with a net profit of ₹0.00 crores for Q4 FY26, down from ₹0.04 crores the previous year. The company faces significant challenges, including low return on equity and a high price-to-earnings ratio, indicating a bleak outlook for investors.

The latest results for India Home Loans Ltd are concerning and indicate significant challenges for the company. In the fourth quarter of FY26, the company reported a net profit of ₹0.00 crores, representing a complete collapse in profitability compared to the previous year, where it had a net profit of ₹0.04 crores. This marks a 100% decline year-on-year.<BR><BR>While the interest income showed a slight sequential improvement of 11.78% from the previous quarter, it still reflected a marginal year-on-year decline of 0.80%. The operating margin also compressed significantly, dropping to 48.92% from 56.03% in the same quarter last year, indicating deteriorating operational efficiency.<BR><BR>The company's return on equity (ROE) is alarmingly low at just 1.67%, and it has been unable to generate meaningful returns for shareholders. Furthermore, the stock is trading at an extraordinarily high price-to-earnings ratio of 335x, which is considered very expensive given the company's current financial performance.<BR><BR>Overall, these results suggest that India Home Loans is facing a severe profitability crisis, and the outlook appears bleak, warranting a cautious approach from investors.

Should I buy, sell or hold India Home Loans Ltd?

When is the next results date for India Home Loans Ltd?

The next results date for India Home Loans Ltd is 30 May 2026.

The next results date for India Home Loans Ltd is scheduled for 30 May 2026.

Is India Home Loans overvalued or undervalued?

As of November 21, 2025, India Home Loans is considered very expensive and overvalued, with a PE ratio of 272.78 and underperformance compared to the Sensex, indicating it trades at a significant premium relative to peers like HUDCO and LIC Housing Finance.

As of 21 November 2025, the valuation grade for India Home Loans has moved from expensive to very expensive. The company is currently overvalued, with a PE ratio of 272.78, an EV to EBITDA of 12.37, and a PEG ratio of 2.56, which significantly exceeds industry norms. In comparison, peers such as HUDCO and LIC Housing Finance show much lower PE ratios of 16.44 and 5.45, respectively, indicating that India Home Loans is trading at a substantial premium relative to its competitors.<BR><BR>The company's recent performance has been mixed, with a year-to-date return of 7.06%, which lags behind the Sensex's return of 9.08% over the same period. This underperformance, combined with the high valuation metrics, reinforces the conclusion that India Home Loans is overvalued in the current market environment.

How has been the historical performance of India Home Loans?

India Home Loans has experienced a significant decline in financial performance, with net sales dropping from 22.34 Cr in March 2023 to 13.60 Cr in March 2025, and profit after tax remaining low at 0.27 Cr. The company also faced reduced total assets and liabilities, indicating a challenging operational environment.

Answer:<BR>The historical performance of India Home Loans shows a significant decline in net sales and overall financial health over the years.<BR><BR>Breakdown:<BR>India Home Loans reported net sales of 13.60 Cr in March 2025, a decrease from 12.02 Cr in March 2024 and a substantial drop from 22.34 Cr in March 2023. The total operating income followed a similar trend, with figures of 13.60 Cr in March 2025, 12.02 Cr in March 2024, and 22.34 Cr in March 2023. The company's total expenditure, excluding depreciation, also decreased to 13.11 Cr in March 2025 from 15.29 Cr in March 2024, reflecting a declining operational scale. Operating profit, excluding other income, was 0.49 Cr in March 2025, slightly up from -3.27 Cr in March 2024, while profit before tax showed a recovery to 0.35 Cr in March 2025 from -3.37 Cr in March 2024. However, profit after tax remained low at 0.27 Cr in March 2025 compared to -3.44 Cr in March 2024. The company’s total liabilities decreased to 99.63 Cr in March 2025 from 104.00 Cr in March 2024, while total assets also fell to 99.63 Cr in March 2025 from 104.00 Cr in March 2024. Cash flow from operating activities was reported at 12.00 Cr in March 2025, down from 30.00 Cr in March 2024, indicating a tightening liquidity position. Overall, the financial metrics indicate a challenging period for India Home Loans, with declining revenues and profits alongside reduced asset levels.

How has been the historical performance of India Home Loans?

India Home Loans has experienced a declining trend in net sales and financial metrics, with net sales dropping from 22.34 Cr in March 2023 to 13.60 Cr in March 2025. Despite a slight recovery in operating profit, the company continues to face significant challenges, including a negative gross profit margin and reduced cash flow.

Answer:<BR>The historical performance of India Home Loans shows a declining trend in net sales and overall financial metrics over the past several years.<BR><BR>Breakdown:<BR>India Home Loans reported net sales of 13.60 Cr for the year ending March 2025, a decrease from 12.02 Cr in March 2024 and a significant drop from 22.34 Cr in March 2023. Total operating income followed a similar trend, declining to 13.60 Cr in March 2025 from 12.02 Cr in the previous year and 22.34 Cr in March 2023. The total expenditure, excluding depreciation, also decreased to 13.11 Cr in March 2025 from 15.29 Cr in March 2024. Operating profit (PBDIT) was marginally positive at 0.58 Cr in March 2025, recovering from a loss of 3.18 Cr in March 2024. However, the company faced a gross profit margin of -52.21% in March 2025, indicating ongoing challenges. Profit before tax was 0.35 Cr in March 2025, up from a loss of 3.37 Cr in March 2024, while profit after tax improved to 0.27 Cr from a loss of 3.44 Cr. The total liabilities decreased to 99.63 Cr in March 2025 from 104.00 Cr in March 2024, and total assets also fell to 99.63 Cr from 104.00 Cr. Cash flow from operating activities was reported at 12.00 Cr in March 2025, down from 30.00 Cr in March 2024, reflecting a challenging cash flow environment. Overall, the financial metrics indicate a company struggling with declining revenues and profitability.

Who are the top shareholders of the India Home Loans?

The top shareholders of India Home Loans include promoter Ashok Shanabhai Patel with 8.63% and public shareholder Jm Financial India Trust II holding 24.5%. Individual investors own 29.84% of the shares, with no pledged promoter holdings or foreign institutional investors involved.

The top shareholders of India Home Loans include Ashok Shanabhai Patel, who is the promoter with the highest holding at 8.63%. Additionally, the highest public shareholder is Jm Financial India Trust II - JM Financial India Fund II, which holds 24.5%. Individual investors collectively hold 29.84% of the company's shares. There are no pledged promoter holdings, and the company does not have any foreign institutional investors (FIIs) involved.

What is the technical trend for India Home Loans?

As of June 3, 2025, India Home Loans shows a mildly bullish trend supported by positive MACD and Bollinger Bands, despite some short-term weakness indicated by daily moving averages.

As of 3 June 2025, the technical trend for India Home Loans has changed from sideways to mildly bullish. The weekly MACD is bullish, and the monthly MACD is mildly bullish, indicating positive momentum. Bollinger Bands are bullish on both weekly and monthly time frames, supporting the upward trend. The KST shows a mildly bullish stance weekly and bullish monthly, further reinforcing the positive outlook. However, daily moving averages are mildly bearish, which suggests some short-term weakness. The RSI shows no signals on both weekly and monthly time frames, indicating a lack of overbought or oversold conditions. Overall, the current stance is mildly bullish, driven primarily by the MACD and Bollinger Bands.

Has India Home Loans declared dividend?

India Home Loans Ltd has declared a 1% dividend (₹0.10 per share) with an ex-date of September 21, 2021. However, the dividend yield is 0%, and total returns have varied, with some periods showing negative returns, particularly over the long term.

India Home Loans Ltd has declared a 1% dividend.<BR><BR>Dividend Details:<BR>- Percentage announced: 1%<BR>- Amount per share: 0.10<BR>- Ex-date: 21 Sep 21<BR><BR>Dividend Yield: 0%<BR><BR>Total Returns by Period:<BR>In the 6-month period, the price return was -2.06%, with a dividend return of 0%, resulting in a total return of -2.06%.<BR><BR>For the 1-year period, the price return was 16.58%, with a dividend return of 0%, leading to a total return of 16.58%.<BR><BR>Over the 2-year period, the price return was 7.33%, with a dividend return of 0%, resulting in a total return of 7.33%.<BR><BR>In the 3-year period, the price return was -1.44%, with a dividend return of 0%, culminating in a total return of -1.44%.<BR><BR>For the 4-year period, the price return was -28.12%, with a dividend return of 0.21%, resulting in a total return of -27.91%.<BR><BR>In the 5-year period, the price return was 6.53%, with a dividend return of 0.53%, leading to a total return of 7.06%.<BR><BR>Overall, while India Home Loans has declared a dividend, the dividend yield remains at 0%, indicating that the dividends have not significantly contributed to returns in recent periods. The total returns show variability, with some periods experiencing negative returns, particularly over the longer term.