Ind Bank Housing

Why is Ind Bank Housing Ltd falling/rising?

As of 25-Aug, Ind Bank Housing Ltd's stock price is at 49.98, reflecting a slight decrease of 0.04%. This decline is due to short-term underperformance and a trend reversal, despite strong long-term gains and increased investor interest.

As of 25-Aug, Ind Bank Housing Ltd's stock price is currently at 49.98, reflecting a slight decrease of 0.02, or 0.04%. This decline can be attributed to several factors. Firstly, the stock has underperformed its sector today by 0.59%, indicating that it is not keeping pace with the broader market trends. Additionally, the stock has experienced a trend reversal, having fallen after two consecutive days of gains, which may have led to profit-taking among investors.<BR><BR>Despite the recent decline, it is noteworthy that the stock has shown strong performance over longer periods, with a year-to-date increase of 26.53% and a one-year increase of 27.50%. However, the current price movement suggests a short-term correction, as it is lower than the 20-day moving average, even though it remains above the 5-day, 50-day, 100-day, and 200-day moving averages.<BR><BR>Moreover, there has been a significant increase in investor participation, with delivery volume rising by 116.48% against the 5-day average, which could indicate growing interest in the stock despite the current price drop. Overall, the combination of short-term underperformance, a recent trend reversal, and the stock's relative position against moving averages contributes to the observed decline in its price.

Which are the latest news on Ind Bank Housing?

Who are in the management team of Ind Bank Housing?

The management team of Ind Bank Housing includes V. Hari Babu (Executive Director & Managing Director), Imran Amin Siddiqui, Sunil Jain, and S. Thangaraju (Non-Executive Directors), along with T R Chandrasekaran, Padma Sridharan, and G R Sundaravadivel (Independent Non-Executive Directors).

The management team of Ind Bank Housing includes the following individuals:<BR><BR>1. **V. Hari Babu** - Executive Director & Managing Director<BR>2. **Imran Amin Siddiqui** - Non-Executive Director / Nominee<BR>3. **Sunil Jain** - Non-Executive Director / Nominee<BR>4. **S. Thangaraju** - Non-Executive Director / Nominee<BR>5. **T R Chandrasekaran** - Independent Non-Executive Director<BR>6. **Padma Sridharan** - Independent Non-Executive Director<BR>7. **G R Sundaravadivel** - Independent Non-Executive Director<BR><BR>If you need further details about their roles or contributions, feel free to ask!

What does Ind Bank Housing do?

Ind Bank Housing Ltd is a micro-cap housing finance company in India that provides long-term financing for residential property construction and purchases. Incorporated in 1991, it reported a net profit of 4 crore for June 2026, with a market cap of INR 50 crore.

Overview:<BR>Ind Bank Housing Ltd is a micro-cap housing finance company that provides long-term finance to individuals and companies for constructing or purchasing residential premises in India.<BR><BR>History:<BR>Incorporated on 28 January 1991, Ind Bank Housing commenced business on 5 February 1991. The company was promoted jointly by Indian Bank and HUDCO. The latest quarterly results reported a net profit of 4 crore for June 2026.<BR><BR>Financial Snapshot:<BR>Most recent Net Sales: N/A<BR>Most recent Net Profit: 4 Cr (Quarterly Results - Jun 2026)<BR>Market-cap value: INR 50 Cr (Micro Cap)<BR><BR>Key Metrics:<BR>P/E: 13.00<BR>Industry P/E: 12<BR>Dividend Yield: 0.00%<BR>Debt-Equity: -1.07<BR>Return on Equity: -3.22%<BR>Price to Book: -0.41<BR><BR>Contact Details:<BR>Address: 3rd Floor, 480 Anna Salai Nandanam Chennai Tamil Nadu : 600035<BR>Tel: 91-044-2432 9235<BR>Email: indhouse@vsnl.com<BR>Website: http://www.indbankhousing.com

Who are the peers of the Ind Bank Housing?

Ind Bank Housing's peers include INDIA SHELTE FIN, Repco Home Fin, GIC Housing Fin, SRG Housing, Reliance Home, India Home Loans, Star Housing Fin, Ruparel Food, and Sahara Housing. Ind Bank Housing outperformed its peers with a 1-year return of 33.85%, while Reliance Home had the lowest return at -61.22%.

Peers: The peers of Ind Bank Housing are INDIA SHELTE FIN, Repco Home Fin, GIC Housing Fin, SRG Housing, Reliance Home, India Home Loans, Star Housing Fin, Ruparel Food, and Sahara Housing.<BR><BR>Quality Snapshot: Excellent management risk is observed at INDIA SHELTE FIN, while Below Average management risk is found at GIC Housing Fin, SRG Housing, Reliance Home, India Home Loans, Star Housing Fin, Ruparel Food, and Sahara Housing, and the rest. Growth is rated as Excellent for INDIA SHELTE FIN and Star Housing Fin, Good for SRG Housing, and Below Average for Repco Home Fin, GIC Housing Fin, Reliance Home, India Home Loans, Ruparel Food, and Sahara Housing, and the rest. Excellent capital structure is noted at INDIA SHELTE FIN, Repco Home Fin, GIC Housing Fin, SRG Housing, and the rest, while Average capital structure is found at Reliance Home and Below Average at India Home Loans, Star Housing Fin, Ruparel Food, and Sahara Housing.<BR><BR>Return Snapshot: Ind Bank Housing has the highest 1-year return at 33.85%, while Reliance Home has the lowest at -61.22%, indicating a significant outperformance by Ind Bank Housing. Additionally, several peers, including Reliance Home, India Home Loans, Star Housing Fin, Ruparel Food, and Sahara Housing, have negative six-month returns.

How big is Ind Bank Housing?

As of 14th August, Ind Bank Housing Ltd has a market capitalization of 52.00 Cr, with reported Net Sales of 0.00 Cr and a Net Profit of 3.90 Cr in the latest four quarters. As of March 2025, the company has Shareholder's Funds at a loss of 120.87 Cr and Total Assets valued at 8.63 Cr.

As of 14th August, Ind Bank Housing Ltd has a market capitalization of 52.00 Cr, categorizing it as a Micro Cap company.<BR><BR>In the latest four quarters, the company reported Net Sales of 0.00 Cr and a Net Profit of 3.90 Cr.<BR><BR>The latest annual period for the balance sheet is March 2025, where Shareholder's Funds stood at a loss of 120.87 Cr and Total Assets were valued at 8.63 Cr.

Should I buy, sell or hold Ind Bank Housing Ltd?

Are Ind Bank Housing Ltd latest results good or bad?

Ind Bank Housing Ltd's latest results for Q1 FY27 show a net profit of ₹3.88 crores, but this is largely due to non-operational income, with negative operating profit and zero revenue from core operations. Overall, the results indicate significant underlying issues and an unfavorable outlook for the company.

Ind Bank Housing Ltd's latest results for Q1 FY27 present a mixed picture, but overall, they indicate significant underlying issues. The company reported a net profit of ₹3.88 crores, a notable improvement from a loss of ₹0.11 crores in the same quarter last year. However, this profit is largely artificial, stemming from non-operational sources such as other income and a tax credit, rather than from core business operations.<BR><BR>The operating profit before depreciation, interest, and tax (excluding other income) was negative at ₹-0.63 crores, marking the worst performance in seven quarters. Additionally, the company has negative shareholder equity of ₹-120.87 crores, indicating a technically insolvent position. This negative equity reflects accumulated losses that have consumed all of its capital.<BR><BR>Moreover, the company has shown zero revenue generation from its core housing finance operations for multiple quarters, raising concerns about its viability as a functioning business. The reliance on non-core income for profitability is unsustainable and suggests a breakdown in its business model.<BR><BR>While the stock price saw a significant increase of 10.22% following the results, this reaction appears driven more by the headline profit figure rather than any genuine improvement in operational fundamentals. Given these factors, the overall assessment of Ind Bank Housing Ltd's latest results leans towards being unfavorable, highlighting a company in distress rather than one on a path to recovery.

When is the next results date for Ind Bank Housing Ltd?

Ind Bank Housing Ltd will announce its results on 13 April 2026.

Ind Bank Housing Ltd will declare its results on 13 April 2026.

Is Ind Bank Housing overvalued or undervalued?

As of December 4, 2025, Ind Bank Housing's valuation has improved to attractive, but it remains overvalued with severely negative financial ratios and a year-to-date stock decline of 24.04%, significantly underperforming compared to its peers and the Sensex.

As of 4 December 2025, the valuation grade for Ind Bank Housing has moved from risky to attractive, indicating a significant improvement in its perceived value. Despite this positive shift, the company appears to be overvalued based on its current financial ratios. The PE ratio stands at -169.26, the price to book value is -0.32, and the EV to EBITDA is -153.37, all of which suggest severe financial distress.<BR><BR>In comparison to its peers, Ind Bank Housing's ratios are starkly unfavorable. For instance, HUDCO, categorized as very expensive, has a PE ratio of 15.88, while LIC Housing Finance, rated as attractive, has a PE of 5.44. This stark contrast highlights that Ind Bank Housing is not only underperforming relative to its peers but also facing significant valuation challenges. Additionally, the company's recent stock performance shows a decline of 24.04% year-to-date, contrasting with the Sensex's gain of 9.12%, further reinforcing the notion that it is currently overvalued.

How has been the historical performance of Ind Bank Housing?

Ind Bank Housing has experienced a significant decline in financial performance, with net sales dropping from 0.36 Cr in March 2021 to zero by March 2025, and operating profit turning negative, resulting in a loss of -0.30 Cr. Reserves fell to -129.88 Cr, and cash equivalents decreased from 5.60 Cr to 3.00 Cr, indicating severe financial struggles.

Answer:<BR>The historical performance of Ind Bank Housing shows a consistent decline in financial metrics over the years, particularly from March 2021 to March 2025. The company reported net sales of 0.36 Cr in March 2021, which dropped to zero in the subsequent years, indicating a complete halt in revenue generation by March 2025. Total operating income followed the same trend, peaking at 0.36 Cr in March 2021 and falling to zero by March 2025. Operating profit, which was positive at 2.75 Cr in March 2020, turned negative in subsequent years, reaching -0.30 Cr by March 2025. Profit before tax and profit after tax also reflected this downward trajectory, with losses increasing from -0.19 Cr in March 2021 to -0.31 Cr in March 2025. The company's reserves have significantly deteriorated, showing a negative balance of -129.88 Cr in March 2025 compared to a positive reserve of 5.83 Cr in March 2021. The book value per share has also declined sharply, reaching -120.87 in March 2025. Cash and cash equivalents decreased from 5.60 Cr in March 2020 to 3.00 Cr in March 2025, further illustrating the company's financial struggles.<BR><BR>Breakdown:<BR>Ind Bank Housing's financial performance has been characterized by a significant decline in key metrics over the years. From March 2021, when net sales were 0.36 Cr, the company has seen a complete drop to zero sales by March 2025. Operating income mirrored this decline, falling from 0.36 Cr to zero. The operating profit, which was positive at 2.75 Cr in March 2020, turned negative in the following years, culminating in a loss of -0.30 Cr by March 2025. Profit before tax and profit after tax also worsened, with losses increasing from -0.19 Cr in March 2021 to -0.31 Cr in March 2025. Reserves have plummeted to -129.88 Cr, a stark contrast to the positive reserves of 5.83 Cr in March 2021. The book value per share has similarly declined to -120.87, while cash and cash equivalents decreased from 5.60 Cr in March 2020 to 3.00 Cr in March 2025, indicating a troubling financial trajectory for the company.

Who are the top shareholders of the Ind Bank Housing?

The top shareholders of Ind Bank Housing are Indian Bank with 51%, Housing and Urban Development Corporation Ltd with 25%, and individual investors holding 22.62%. There are no holdings by mutual funds or foreign institutional investors.

The top shareholders of Ind Bank Housing are primarily the promoters, with Indian Bank holding the largest stake at 51.0%. The next significant shareholder is the Housing and Urban Development Corporation Ltd, which owns 25%. Additionally, individual investors hold 22.62% of the shares. There are currently no holdings by mutual funds or foreign institutional investors.

What is the technical trend for Ind Bank Housing?

As of June 4, 2025, Ind Bank Housing's technical trend is mildly bearish, with mixed signals from MACD and bearish indicators from Bollinger Bands and KST, despite a mildly bullish stance indicated by Dow Theory on the weekly chart.

As of 4 June 2025, the technical trend for Ind Bank Housing has changed from bearish to mildly bearish. The weekly MACD indicates a mildly bullish stance, while the monthly MACD shows a mildly bearish trend. The daily moving averages are also mildly bearish, suggesting short-term weakness. Bollinger Bands and KST are bearish on both weekly and monthly time frames, reinforcing the overall bearish sentiment. The Dow Theory indicates a mildly bullish trend on the weekly chart, but lacks a clear direction on the monthly chart. Overall, the current technical stance is mildly bearish, driven primarily by the mixed signals from MACD and the bearish indicators from Bollinger Bands and KST.

Has Ind Bank Housing declared dividend?

No Dividend History Available