India Home Loans

What does India Home Loans do?

India Home Loans Ltd is a housing finance company focused on providing retail home loans in the affordable housing sector. It was established in 1990, has a market cap of Rs 51 Cr, and reported net sales of 4 Cr with no net profit for the quarter ending March 2025.

Overview: <BR>India Home Loans Ltd is a housing finance company operating in the micro-cap segment, primarily offering retail home loan products in the affordable housing sector.<BR><BR>History: <BR>India Home Loans Limited was incorporated in December 1990 and was formerly known as Manoj Housing Finance Company Limited. The company changed its name to India Home Loans Limited and is registered with the National Housing Bank of India, which has merged with the Reserve Bank of India. The most recent quarterly results reported net sales and net profit for the period ending March 2025.<BR><BR>Financial Snapshot: <BR>Most recent Net Sales: 4 Cr (Quarterly Results - Mar 2025) <BR>Most recent Net Profit: 0 Cr (Quarterly Results - Mar 2025) <BR>Market-cap value: Rs 51 Cr (Micro Cap)<BR><BR>Key Metrics: <BR>P/E: 51.00 <BR>Industry P/E: 13 <BR>Dividend Yield: 0.00% <BR>Debt Equity: 1.38 <BR>Return on Equity: 0.61% <BR>Price to Book: 1.24 <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

Who are in the management team of India Home Loans?

As of March 2019, the management team of India Home Loans includes Mahesh Pujara (Managing Director), Mitesh Pujara (Whole-time Director), and several nominees and independent directors, along with company secretaries Ayushi Thakuriya and Shilpa Katare. This diverse team oversees the company's governance and operations.

As of March 2019, the management team of India Home Loans consists of 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 includes a mix of directors, nominees, and company secretaries, contributing to the governance and operational management of the company.

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.

Who are the peers of the India Home Loans?

Peers of India Home Loans include Bajaj Housing, LIC Housing Finance, PNB Housing, and Aadhar Housing Finance, among others. India Home Loans has average management risk, below average growth, and a 1-year return of 14.28%.

Peers: The peers of India Home Loans are Bajaj Housing, LIC Housing Fin., PNB Housing, Aadhar Hsg. Fin., Aptus Value Hou., Aavas Financiers, Ind Bank Housing, Sahara Housing, and Manraj Hsg.Fin.<BR><BR>Quality Snapshot: Excellent management risk is observed at Aptus Value Hou. and Aavas Financiers, while Good management risk is found at LIC Housing Fin. and Aadhar Hsg. Fin. Average management risk is noted at Bajaj Housing, PNB Housing, and India Home Loans, and the rest. Below Average management risk is present at Sahara Housing, and the rest do not qualify. Growth is Excellent at Bajaj Housing, Good at Aadhar Hsg. Fin., Aptus Value Hou., and Aavas Financiers, while Average growth is seen at LIC Housing Fin. and PNB Housing, and Below Average growth is noted at India Home Loans and Sahara Housing. The rest do not qualify. Capital Structure is Excellent at Bajaj Housing, Aadhar Hsg. Fin., PNB Housing, Aptus Value Hou., Aavas Financiers, and India Home Loans, while Average is found at LIC Housing Fin. and Excellent at Sahara Housing.<BR><BR>Return Snapshot: PNB Housing has the highest 1-year return at 45.10%, while Ind Bank Housing has the lowest at -20.15%. India Home Loans has a 1-year return of 14.28%, which is significantly higher than Ind Bank Housing but lower than PNB Housing. Additionally, Ind Bank Housing and Aptus Value Hou. have negative six-month returns.

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.

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.

How big is India Home Loans?

As of 24th July, India Home Loans Ltd has a market capitalization of 50.00 Cr, with recent net sales of 13.60 Cr and a net profit of 0.25 Cr. The company reported shareholder's funds of 41.20 Cr and total assets of 104.00 Cr for the annual period ending in March 2024.

As of 24th July, India Home Loans Ltd has a market capitalization of 50.00 Cr, categorizing it as a Micro Cap company.<BR><BR>In the latest four quarters, India Home Loans reported Net Sales of 13.60 Cr and a Net Profit of 0.25 Cr.<BR><BR>For the latest annual period ending in March 2024, the company had Shareholder's Funds amounting to 41.20 Cr and Total Assets of 104.00 Cr.

When is the next results date for India Home Loans?

India Home Loans will announce its results on 12 August 2025.

India Home Loans will declare its results on 12 August 2025.

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.

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.

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.

Are India Home Loans Ltd latest results good or bad?

India Home Loans Ltd's latest results are mixed; while net profit increased significantly to ₹0.07 crores, interest income fell by 18.22%, raising concerns about growth and profitability in a competitive market. Overall, the company faces challenges despite some positive indicators.

India Home Loans Ltd's latest results present a mixed picture. On one hand, the company reported a net profit of ₹0.07 crores for Q2 FY26, which reflects a significant sequential increase of 600% from the previous quarter's profit of ₹0.01 crores. However, this profit remains very low in absolute terms, especially considering the company's shareholder funds of ₹41.44 crores.<BR><BR>On the other hand, the company faced a notable decline in interest income, which fell by 18.22% quarter-on-quarter to ₹3.50 crores. This contraction raises concerns about the company's ability to generate new loans and maintain its portfolio quality in a competitive market. <BR><BR>While the operating margin improved to 56.86%, this was largely due to the revenue decline rather than operational efficiency gains. Additionally, the return on equity stands at a mere 0.48%, indicating significant challenges in capital efficiency.<BR><BR>Overall, the results indicate that while there are some positive aspects, such as the increase in net profit and improved operating margin, the overall performance is concerning due to declining interest income and low profitability. The company appears to be struggling to achieve meaningful growth and profitability in a booming housing finance sector.

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

Why is India Home Loans Ltd falling/rising?

As of 31-Mar, India Home Loans Ltd is facing a significant decline in its stock price, currently at Rs 27.20, with a total drop of -20.65% over the last five days. The stock has underperformed the market substantially, reflecting poor financial fundamentals and high volatility.

As of 31-Mar, India Home Loans Ltd is experiencing a decline in its stock price, currently at Rs 27.20, which reflects a change of -2.46 (-8.29%). The stock has been underperforming significantly, with a consecutive fall over the last five days, resulting in a total drop of -20.65% during this period. Additionally, the stock has hit a new 52-week low of Rs 24.8 today, indicating a downward trend.<BR><BR>In terms of performance relative to the market, the stock has shown substantial losses over various time frames, including a -19.65% drop over the past week and a -23.70% decline over the past month, while the benchmark Sensex has only decreased by -1.03% and -10.33%, respectively. This stark contrast highlights the stock's poor performance compared to the broader market.<BR><BR>The company's fundamentals also reflect weakness, with an average Return on Equity (ROE) of just 1.67% and negative growth in net sales and operating profit. The stock is trading at a premium compared to its peers, despite generating a return of -15.79% over the past year, which is compounded by a significant increase in profits of 107%. This discrepancy is further illustrated by a high PEG ratio of 2.8, suggesting that the stock is overvalued given its growth prospects.<BR><BR>Moreover, the stock's volatility is notable, with an intraday volatility of 11.08%, and it is trading below all major moving averages, indicating a bearish trend. The finance and housing sector has also seen a decline of -2.93%, contributing to the overall negative sentiment surrounding the stock.<BR><BR>In summary, the combination of poor financial performance, significant underperformance relative to the market, and high volatility are key factors contributing to the falling stock price of India Home Loans Ltd.

Which are the latest news on India Home Loans?