Ind Bank Housing

Why is Ind Bank Housing Ltd falling/rising?

As of 01-Sep, Ind Bank Housing Ltd's stock price is Rs 48.73, down 2.64% and reflecting a broader market struggle. Despite a strong year-to-date return, the company's weak long-term fundamentals and negative book value are impacting investor confidence and contributing to the stock's decline.

As of 01-Sep, Ind Bank Housing Ltd's stock price is falling, currently at Rs 48.73, reflecting a change of -1.32 (-2.64%). The stock has been on a downward trend, having lost 7.2% over the last four days and opened with a significant loss of 7.89% today. The stock's performance today has underperformed its sector by 1.67%, indicating a broader struggle in the market context.<BR><BR>Despite a strong year-to-date return of 23.37% and a 21.98% increase over the past year, the company's long-term fundamentals appear weak, as evidenced by its negative book value of Rs -120.96 crore and a declining net sales growth rate of -7.97%. Additionally, the stock has shown high volatility today, with an intraday range of Rs 7.8, and trading activity has decreased, as indicated by a 74.41% drop in delivery volume compared to the five-day average.<BR><BR>While there are positive factors such as high institutional holdings at 25% and impressive recent earnings growth, the overall sentiment is being affected by the company's weak long-term growth prospects and negative book value, leading to a decline in investor confidence and a falling stock price.

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 (all Non-Executive Directors/Nominees), along with T R Chandrasekaran, Padma Sridharan, and G R Sundaravadivel (all 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 more information about any specific member or their roles, feel free to ask!

What does Ind Bank Housing do?

Ind Bank Housing Ltd is a micro-cap company in India that provides long-term housing finance for individuals and companies. Established in 1991, it reported a net profit of 4 Cr for June 2026, with a market cap of INR 53 Cr.

Overview: <BR>Ind Bank Housing Ltd is a micro-cap company in the housing finance industry that provides long-term finance to individuals and companies for constructing or purchasing residential premises in India.<BR><BR>History: <BR>Ind Bank Housing Ltd was incorporated on 28 January 1991 and commenced business on 5 February 1991. The company has reported its latest quarterly results 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 53 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, and others. Ind Bank Housing has a 1-year return of 31.40%, significantly outperforming its peers, with Repco Home Fin at 4.42% and Reliance Home at -61.84%.

Peers: The peers of Ind Bank Housing are INDIA SHELTE FIN, Repco Home Fin, GIC Housing Fin, Reliance Home, India Home Loans, Star Housing Fin, Ruparel Food, Sahara Housing, Manraj Hsg.Fin., and SRG Housing.<BR><BR>Quality Snapshot: Excellent management risk is observed at INDIA SHELTE FIN, while Below Average management risk is found at Repco Home Fin, GIC Housing Fin, Reliance Home, India Home Loans, Star Housing Fin, Ruparel Food, Sahara Housing, and SRG Housing. Growth is rated as Excellent for INDIA SHELTE FIN and Star Housing Fin, while Below Average growth is noted for Repco Home Fin, GIC Housing Fin, Reliance Home, India Home Loans, Ruparel Food, Sahara Housing, and SRG Housing. Excellent capital structure is seen in INDIA SHELTE FIN, Repco Home Fin, GIC Housing Fin, India Home Loans, Star Housing Fin, Ruparel Food, Sahara Housing, and SRG Housing, while Ind Bank Housing and Manraj Hsg.Fin. do not qualify.<BR><BR>Return Snapshot: Ind Bank Housing has a 1-year return of 31.40%, which is higher than the peer with the highest return, Repco Home Fin at 4.42%, and significantly higher than the peer with the lowest return, Reliance Home at -61.84%. Additionally, the six-month return is negative for India Home Loans, Star Housing Fin, Ruparel Food, and SRG Housing.

How big is Ind Bank Housing?

As of 31st August, Ind Bank Housing Ltd has a market capitalization of 53.00 Cr, with recent net sales of 0.00 Cr and a net profit of 3.90 Cr. The balance sheet for March 2025 shows shareholder's funds of -120.87 Cr and total assets of 8.63 Cr.

As of 31st August, Ind Bank Housing Ltd has a market capitalization of 53.00 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, showing Shareholder's Funds of -120.87 Cr and Total Assets of 8.63 Cr.

Which are the latest news on Ind Bank Housing?

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