India Home Loans

Market Cap: Micro Cap
Industry: Housing Finance Company
ISIN: INE274E01015
NSEID:
BSEID: 530979

INR

37.00

-0.38 (-1.02%)

BSENSE

Dec 05

BSE+NSE Vol: 195

{
  "main_header": {
    "sid": 411930,
    "name": "India Home Loans",
    "stock_name": "India Home Loans",
    "full_name": "India Home Loans Ltd",
    "name_url": "stocks-analysis/india-home-loans",
    "exchange": 0,
    "exchangecode": "",
    "country_id": 34,
    "currency": "INR",
    "cmp": "37.00",
    "chg": -0.38,
    "chgp": "-1.02%",
    "dir": -1,
    "prev_price": "37.38",
    "mcapval": "52.84 Cr",
    "mcap": "Micro Cap",
    "scripcode": 530979,
    "symbol": "",
    "ind_name": "Housing Finance Company",
    "ind_code": 108,
    "indexname": "",
    "isin": "INE274E01015",
    "curr_date": "Dec 05",
    "curr_time": "",
    "bse_nse_vol": "195 ",
    "exc_status": "Active",
    "traded_date": "Dec 05, 2025",
    "traded_date_str": "2025 12 05",
    "score": "",
    "scoreText": "",
    "Live": 1,
    "market_time": 1,
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  "news": {
    "results": [
      {
        "title": "Is India Home Loans overvalued or undervalued?",
        "link": "https://www.marketsmojo.com/news/stocks-in-action/is-india-home-loans-overvalued-or-undervalued-3723605",
        "imagepath": "",
        "date": "2025-11-24 08:15:29",
        "description": "    <div class=\"article-news-new\">\n        <div class=\"article-container\">\n\n<div class=\"article-content\">\n\n<p><strong>Valuation Metrics Paint a Cautionary Picture</strong></p>\n<p>As of 21 Nov 2025, India Home Loans exhibits a price-to-earnings (PE) ratio exceeding 270, an extraordinarily high figure that far surpasses typical industry standards. This elevated PE ratio suggests that investors are pricing in significant future growth or are paying a premium for perceived quality. However, such a high multiple often signals stretched valuations, especially when juxtaposed with the company’s return on equity (ROE) of just 0.48%, indicating limited profitability relative to shareholder equity.</p>\n<p>The price-to-book (P/B) ratio stands at 1.32, which is moderate but not particularly compelling given the lofty PE. Enterprise value to EBITDA (EV/EBITDA) is around 12.4, which is in line with some peers but still o..."
      },
      {
        "title": "India Home Loans Valuation Shift Highlights Price Attractiveness Changes",
        "link": "https://www.marketsmojo.com/news/stocks-in-action/india-home-loans-valuation-shifts-to-expensive-amid-mixed-market-returns-3719541",
        "imagepath": "https://i.marketsmojo.com/newsimg/2025/11/IndiaHomeLoans_valuationdot_3719541.png",
        "date": "2025-11-21 08:00:44",
        "description": "India Home Loans, a key player in the housing finance sector, has experienced a notable revision in its valuation parameters, reflecting a shift in price attractiveness relative to its historical and peer benchmarks. This article analyses the recent changes in key financial metrics such as the price-to-earnings (P/E) ratio and price-to-book value (P/BV), placing them in the context of the company’s performance and sector dynamics."
      },
      {
        "title": "Are India Home Loans latest results good or bad?",
        "link": "https://www.marketsmojo.com/news/result-analysis/are-india-home-loans-latest-results-good-or-bad-3698372",
        "imagepath": "",
        "date": "2025-11-13 19:35:48",
        "description": "India Home Loans' latest financial results for Q2 FY26 present a mixed operational picture. The company reported net sales of ₹3.50 crores, reflecting an 18.22% decline compared to the previous quarter, although this marks a 6.71% increase year-on-year from ₹3.28 crores in Q2 FY25. This revenue contraction suggests potential challenges in loan disbursements or interest income realization amidst a competitive housing finance landscape.\n\nOn a positive note, net profit surged to ₹0.07 crores, a significant sequential increase of 600.00% from ₹0.01 crores in Q1 FY26. This improvement in profitability was driven by enhanced operating margins, which expanded to 56.86% from 46.26% in the prior quarter, indicating better cost management despite the revenue decline. However, the profit after tax margin improved to 2.00%, still below the 3.05% achieved in the same quarter last year.\n\nThe company continues to face cha..."
      },
      {
        "title": "India Home Loans Faces Operational Challenges Despite Recent Sales Growth",
        "link": "https://www.marketsmojo.com/news/stocks-in-action/india-home-loans-financial-trend-shifts-from-positive-to-flat-amid-declining-score-3697359",
        "imagepath": "https://i.marketsmojo.com/newsimg/2025/11/IndiaHomeLoans_fintrenddot_3697359.png",
        "date": "2025-11-13 11:01:42",
        "description": "India Home Loans has reported a flat financial performance for the quarter ending September 2025, with net sales of Rs 11.51 crore reflecting a 29.47% growth over nine months. However, challenges persist, particularly in operating cash flow and shareholder returns, necessitating strategic adjustments for improved competitiveness."
      },
      {
        "title": "India Home Loans Q2 FY26: Profit Margins Under Pressure Despite Revenue Gains",
        "link": "https://www.marketsmojo.com/news/result-analysis/india-home-loans-q2-fy26-profit-margins-under-pressure-despite-revenue-gains-3697798",
        "imagepath": "https://i.marketsmojo.com/newsimg/2025/11/IndiaHomeLoans_quaterlyResult_3697798.png",
        "date": "2025-11-13 09:24:32",
        "description": "India Home Loans Limited, a micro-cap housing finance company registered with the Reserve Bank of India, reported a net profit of ₹0.07 crores for Q2 FY26 ended September 2025, marking a significant sequential increase of 600.00% from ₹0.01 crores in Q1 FY26. However, on a year-on-year basis, the profit grew a modest 16.67% from ₹0.06 crores in Q2 FY25. The company's stock, trading at ₹39.14 with a market capitalisation of ₹56.00 crores, has gained 1.72% following the results announcement."
      },
      {
        "title": "How has been the historical performance of India Home Loans?",
        "link": "https://www.marketsmojo.com/news/stocks-in-action/how-has-been-the-historical-performance-of-india-home-loans-3695403",
        "imagepath": "",
        "date": "2025-11-13 00:23:19",
        "description": "Answer:\nThe historical performance of India Home Loans shows a significant decline in net sales and overall financial health over the years.\n\nBreakdown:\nIndia 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..."
      },
      {
        "title": "How has been the historical performance of India Home Loans?",
        "link": "https://www.marketsmojo.com/news/stocks-in-action/how-has-been-the-historical-performance-of-india-home-loans-3694711",
        "imagepath": "",
        "date": "2025-11-12 23:52:01",
        "description": "Answer:\nThe historical performance of India Home Loans shows a declining trend in net sales and overall financial metrics over the past several years.\n\nBreakdown:\nIndia 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..."
      },
      {
        "title": "Why is India Home Loans falling/rising?",
        "link": "https://www.marketsmojo.com/news/stocks-in-action/why-is-india-home-loans-fallingrising-3693559",
        "imagepath": "",
        "date": "2025-11-12 22:45:12",
        "description": "As of 12-Nov, India Home Loans Ltd is experiencing a price increase, currently at 38.40, reflecting a change of 0.47 or 1.24% upward. The stock has outperformed its sector by 1.94% today and has shown consecutive gains over the last two days, with a total return of 1.48% during this period. Additionally, the stock has performed well over various time frames, with a 1-week return of 5.35% and a 1-month return of 21.52%. However, there is a notable decline in investor participation, as the delivery volume has decreased by 74.17% compared to the 5-day average, which may indicate a potential concern for future trading activity.\n\nIn the broader market context, India Home Loans' short-term performance significantly surpasses that of the Sensex, which has only increased by 1.21% over the same week. While the stock has shown strong returns in the short term, it is important to note that its 3-year return of 15.49% ..."
      },
      {
        "title": "Why is India Home Loans falling/rising?",
        "link": "https://www.marketsmojo.com/news/stocks-in-action/why-is-india-home-loans-fallingrising-3672064",
        "imagepath": "",
        "date": "2025-11-04 22:50:35",
        "description": "As of 04-Nov, India Home Loans Ltd is experiencing a price increase, with its current price at 37.40, reflecting a change of 0.27 or 0.73% upward. The stock has shown a trend reversal, gaining after five consecutive days of decline. Additionally, it has outperformed its sector by 1.75%. Despite a negative performance over the past week and month, with declines of 6.29% and 10.25% respectively, the stock has a positive year-to-date return of 4.82% and a one-year return of 10.88%. The rising investor participation, indicated by an 11.75% increase in delivery volume, suggests renewed interest in the stock, contributing to its recent price movement. There is no information available regarding positive or negative factors that could further explain the stock's performance.\n\nIn the broader market context, India Home Loans Ltd's short-term performance has been weaker compared to the benchmark Sensex, which has dec..."
      }
    ],
    "total": 124,
    "sid": "411930",
    "stock_news_url": "https://www.marketsmojo.com/news/india-home-loans-411930"
  },
  "announcements": [
    {
      "caption": "Intimation Of Submission Of Application For Reclassification Of Person Forming Part Of The Promoter/Promoter Group From Promoter Group Category To Public Category.",
      "datetime": "16-Nov-2025",
      "details": "We wish to inform you that the Company has made applications to BSE Limited dated 15th November 2025 for reclassification of person forming part of Promoter/Promoter Group from Promoter/Promoter Group Category to Public Category.",
      "source": "BSE"
    },
    {
      "caption": "Announcement under Regulation 30 (LODR)-Newspaper Publication",
      "datetime": "13-Nov-2025",
      "details": "Newspaper Publication regarding Financial Results for the quarter and half year ended September 30 2025.",
      "source": "BSE"
    },
    {
      "caption": "Board Meeting Outcome for Outcome Of Board Meeting",
      "datetime": "11-Nov-2025",
      "details": "We wish to inform you that the Board of Directors of the Company at its meeting held today i.e. November 11 2025 inter alia considered and approved the following items of business; 1. Unaudited Financial Results (Ind-AS) of the Company for the quarter and half year ended September 30 2025 along with the Limited Review Report. 2. Appointment of Mr. Bharat Singarakhiya as the Chief Compliance Officer (CCO) of the Company with an immediate effect for the period of 5 years . 3. Reclassification of Mr. Anant Arun Bhalotia Mr. Ashok Patel and Ms. Daksha Patel (Promoters Group) who are members of the promoter and promoter group from the promoter and promoter group category to the public shareholder category in accordance with Regulation 31A of the Listing Regulations.",
      "source": "BSE"
    }
  ],
  "corporate_actions": [
    {
      "img": "board-meeting.svg",
      "title": "BOARD MEETING",
      "msg": "<span>No</span> Upcoming Board Meetings",
      "data": []
    },
    {
      "img": "dividend.svg",
      "title": "DIVIDEND",
      "msg": "",
      "data": [
        {
          "txt": "India Home Loans Ltd has declared <strong>1%</strong> dividend, ex-date: 21 Sep 21",
          "dt": "2021-09-21",
          "middle_text": "Dividend Alert"
        }
      ]
    },
    {
      "img": "splits.svg",
      "title": "SPLITS",
      "msg": "No <strong>Splits</strong> history available",
      "data": []
    },
    {
      "img": "bonus.svg",
      "title": "BONUS",
      "msg": "No <strong>Bonus</strong> history available",
      "data": []
    },
    {
      "img": "rights-issues.svg",
      "title": "RIGHTS",
      "msg": "No <strong>Rights</strong> history available",
      "data": []
    }
  ]
}

News and Views

Is India Home Loans overvalued or undervalued?

2025-11-24 08:15:29

Valuation Metrics Paint a Cautionary Picture

As of 21 Nov 2025, India Home Loans exhibits a price-to-earnings (PE) ratio exceeding 270, an extraordinarily high figure that far surpasses typical industry standards. This elevated PE ratio suggests that investors are pricing in significant future growth or are paying a premium for perceived quality. However, such a high multiple often signals stretched valuations, especially when juxtaposed with the company’s return on equity (ROE) of just 0.48%, indicating limited profitability relative to shareholder equity.

The price-to-book (P/B) ratio stands at 1.32, which is moderate but not particularly compelling given the lofty PE. Enterprise value to EBITDA (EV/EBITDA) is around 12.4, which is in line with some peers but still o...

India Home Loans Valuation Shift Highlights Price Attractiveness Changes

2025-11-21 08:00:44

India Home Loans, a key player in the housing finance sector, has experienced a notable revision in its valuation parameters, reflecting a shift in price attractiveness relative to its historical and peer benchmarks. This article analyses the recent changes in key financial metrics such as the price-to-earnings (P/E) ratio and price-to-book value (P/BV), placing them in the context of the company’s performance and sector dynamics.

Are India Home Loans latest results good or bad?

2025-11-13 19:35:48

India Home Loans' latest financial results for Q2 FY26 present a mixed operational picture. The company reported net sales of ₹3.50 crores, reflecting an 18.22% decline compared to the previous quarter, although this marks a 6.71% increase year-on-year from ₹3.28 crores in Q2 FY25. This revenue contraction suggests potential challenges in loan disbursements or interest income realization amidst a competitive housing finance landscape. On a positive note, net profit surged to ₹0.07 crores, a significant sequential increase of 600.00% from ₹0.01 crores in Q1 FY26. This improvement in profitability was driven by enhanced operating margins, which expanded to 56.86% from 46.26% in the prior quarter, indicating better cost management despite the revenue decline. However, the profit after tax margin improved to 2.00%, still below the 3.05% achieved in the same quarter last year. The company continues to face cha...

India Home Loans Faces Operational Challenges Despite Recent Sales Growth

2025-11-13 11:01:42

India Home Loans has reported a flat financial performance for the quarter ending September 2025, with net sales of Rs 11.51 crore reflecting a 29.47% growth over nine months. However, challenges persist, particularly in operating cash flow and shareholder returns, necessitating strategic adjustments for improved competitiveness.

India Home Loans Q2 FY26: Profit Margins Under Pressure Despite Revenue Gains

2025-11-13 09:24:32

India Home Loans Limited, a micro-cap housing finance company registered with the Reserve Bank of India, reported a net profit of ₹0.07 crores for Q2 FY26 ended September 2025, marking a significant sequential increase of 600.00% from ₹0.01 crores in Q1 FY26. However, on a year-on-year basis, the profit grew a modest 16.67% from ₹0.06 crores in Q2 FY25. The company's stock, trading at ₹39.14 with a market capitalisation of ₹56.00 crores, has gained 1.72% following the results announcement.

How has been the historical performance of India Home Loans?

2025-11-13 00:23:19

Answer: The historical performance of India Home Loans shows a significant decline in net sales and overall financial health over the years. Breakdown: 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...

How has been the historical performance of India Home Loans?

2025-11-12 23:52:01

Answer: The historical performance of India Home Loans shows a declining trend in net sales and overall financial metrics over the past several years. Breakdown: 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...

Why is India Home Loans falling/rising?

2025-11-12 22:45:12

As of 12-Nov, India Home Loans Ltd is experiencing a price increase, currently at 38.40, reflecting a change of 0.47 or 1.24% upward. The stock has outperformed its sector by 1.94% today and has shown consecutive gains over the last two days, with a total return of 1.48% during this period. Additionally, the stock has performed well over various time frames, with a 1-week return of 5.35% and a 1-month return of 21.52%. However, there is a notable decline in investor participation, as the delivery volume has decreased by 74.17% compared to the 5-day average, which may indicate a potential concern for future trading activity. In the broader market context, India Home Loans' short-term performance significantly surpasses that of the Sensex, which has only increased by 1.21% over the same week. While the stock has shown strong returns in the short term, it is important to note that its 3-year return of 15.49% ...

Why is India Home Loans falling/rising?

2025-11-04 22:50:35

As of 04-Nov, India Home Loans Ltd is experiencing a price increase, with its current price at 37.40, reflecting a change of 0.27 or 0.73% upward. The stock has shown a trend reversal, gaining after five consecutive days of decline. Additionally, it has outperformed its sector by 1.75%. Despite a negative performance over the past week and month, with declines of 6.29% and 10.25% respectively, the stock has a positive year-to-date return of 4.82% and a one-year return of 10.88%. The rising investor participation, indicated by an 11.75% increase in delivery volume, suggests renewed interest in the stock, contributing to its recent price movement. There is no information available regarding positive or negative factors that could further explain the stock's performance. In the broader market context, India Home Loans Ltd's short-term performance has been weaker compared to the benchmark Sensex, which has dec...

View All News

Announcement

Intimation Of Submission Of Application For Reclassification Of Person Forming Part Of The Promoter/Promoter Group From Promoter Group Category To Public Category.

16-Nov-2025 | Source : BSE

We wish to inform you that the Company has made applications to BSE Limited dated 15th November 2025 for reclassification of person forming part of Promoter/Promoter Group from Promoter/Promoter Group Category to Public Category.

Announcement under Regulation 30 (LODR)-Newspaper Publication

13-Nov-2025 | Source : BSE

Newspaper Publication regarding Financial Results for the quarter and half year ended September 30 2025.

Board Meeting Outcome for Outcome Of Board Meeting

11-Nov-2025 | Source : BSE

We wish to inform you that the Board of Directors of the Company at its meeting held today i.e. November 11 2025 inter alia considered and approved the following items of business; 1. Unaudited Financial Results (Ind-AS) of the Company for the quarter and half year ended September 30 2025 along with the Limited Review Report. 2. Appointment of Mr. Bharat Singarakhiya as the Chief Compliance Officer (CCO) of the Company with an immediate effect for the period of 5 years . 3. Reclassification of Mr. Anant Arun Bhalotia Mr. Ashok Patel and Ms. Daksha Patel (Promoters Group) who are members of the promoter and promoter group from the promoter and promoter group category to the public shareholder category in accordance with Regulation 31A of the Listing Regulations.