India Home Loans

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

INR

36.42

-0.13 (-0.36%)

BSENSE

Dec 19

BSE+NSE Vol: 5.89 k

{
  "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": "36.42",
    "chg": -0.13,
    "chgp": "-0.36%",
    "dir": -1,
    "prev_price": "36.55",
    "mcapval": "52.00 Cr",
    "mcap": "Micro Cap",
    "scripcode": 530979,
    "symbol": "",
    "ind_name": "Housing Finance Company",
    "ind_code": 108,
    "indexname": "",
    "isin": "INE274E01015",
    "curr_date": "Dec 19",
    "curr_time": "",
    "bse_nse_vol": "5.89 k",
    "exc_status": "Active",
    "traded_date": "Dec 19, 2025",
    "traded_date_str": "2025 12 19",
    "score": "",
    "scoreText": "",
    "Live": 0,
    "market_time": 0,
    "is_blur": 1,
    "is_blur_class": "blur-register-score-header",
    "is_blur_url": "https://www.marketsmojo.com/mojofeed/register?redirect=/stocks-analysis/india-home-loans-411930-0&utm_source=Spage_Header_Score",
    "mojoone": {
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  },
  "news": {
    "results": [
      {
        "title": "Why is India Home Loans falling/rising?",
        "link": "https://www.marketsmojo.com/news/stocks-in-action/why-is-india-home-loans-fallingrising-3759113",
        "imagepath": "",
        "date": "2025-12-16 00:44:32",
        "description": "    <div class=\"article-news-new\">\n        <div class=\"article-container\">\n\n<div class=\"article-content\">\n\n<p><strong>Short-Term Price Performance and Market Context</strong></p>\n<p>India Home Loans has experienced a modest downturn over the past week, with a marginal loss of 0.05%, contrasting with the Sensex’s modest gain of 0.13% during the same period. More notably, the stock has declined by 7.06% over the last month, while the Sensex advanced by 0.77%. This divergence highlights the stock’s recent underperformance against broader market trends. Year-to-date, the stock has delivered a 3.64% gain, which, although positive, lags behind the Sensex’s 9.05% rise. Over longer horizons, the stock’s returns have been mixed; it has outperformed the benchmark over one year with a 4.76% gain compared to the Sensex’s 3.75%, but underperformed significantly over three and five years, with returns of 20.65% and -8.69..."
      },
      {
        "title": "India Home Loans Sees Revision in Market Evaluation Amidst Mixed Financial Signals",
        "link": "https://www.marketsmojo.com/news/stock-recommendation/india-home-loans-downgraded-to-sell-by-marketsmojo-amid-weak-fundamentals-3750071",
        "imagepath": "https://i.marketsmojo.com/newsimg/2025/12/IndiaHomeLoans_mojoScore_3750071.png",
        "date": "2025-12-07 10:10:21",
        "description": "India Home Loans has experienced a revision in its market evaluation, reflecting shifts in its financial and technical outlook. This change comes amid a backdrop of subdued long-term fundamentals and valuation concerns, set against a housing finance sector that continues to face challenges in growth and investor confidence."
      },
      {
        "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..."
      }
    ],
    "total": 125,
    "sid": "411930",
    "stock_news_url": "https://www.marketsmojo.com/news/india-home-loans-411930"
  },
  "announcements": [
    {
      "caption": "Compliances-Certificate under Reg. 74 (5) of SEBI (DP) Regulations 2018",
      "datetime": "04-Dec-2025",
      "details": "Submission of Confirmation Certificate under Reg. 74(5) of SEBI (Depositories and Participants) Regulations 2018 for the month ended November 30 2025.",
      "source": "BSE"
    },
    {
      "caption": "Intimation Of Receipt Of Approval For Reclassification Application Of Promoters Under Regulation 31A Of SEBI (Listing Obligations And Disclosure Requirements) Regulations. 2015",
      "datetime": "03-Dec-2025",
      "details": "We wish to inform you that BSE vide their letter dated December 2 2025 approved the applications for reclassification. The Approval letters are attached herewith. Kindly take the above on record.",
      "source": "BSE"
    },
    {
      "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"
    }
  ],
  "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

Why is India Home Loans falling/rising?

2025-12-16 00:44:32

Short-Term Price Performance and Market Context

India Home Loans has experienced a modest downturn over the past week, with a marginal loss of 0.05%, contrasting with the Sensex’s modest gain of 0.13% during the same period. More notably, the stock has declined by 7.06% over the last month, while the Sensex advanced by 0.77%. This divergence highlights the stock’s recent underperformance against broader market trends. Year-to-date, the stock has delivered a 3.64% gain, which, although positive, lags behind the Sensex’s 9.05% rise. Over longer horizons, the stock’s returns have been mixed; it has outperformed the benchmark over one year with a 4.76% gain compared to the Sensex’s 3.75%, but underperformed significantly over three and five years, with returns of 20.65% and -8.69...

India Home Loans Sees Revision in Market Evaluation Amidst Mixed Financial Signals

2025-12-07 10:10:21

India Home Loans has experienced a revision in its market evaluation, reflecting shifts in its financial and technical outlook. This change comes amid a backdrop of subdued long-term fundamentals and valuation concerns, set against a housing finance sector that continues to face challenges in growth and investor confidence.

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...

View All News

Announcement

Compliances-Certificate under Reg. 74 (5) of SEBI (DP) Regulations 2018

04-Dec-2025 | Source : BSE

Submission of Confirmation Certificate under Reg. 74(5) of SEBI (Depositories and Participants) Regulations 2018 for the month ended November 30 2025.

Intimation Of Receipt Of Approval For Reclassification Application Of Promoters Under Regulation 31A Of SEBI (Listing Obligations And Disclosure Requirements) Regulations. 2015

03-Dec-2025 | Source : BSE

We wish to inform you that BSE vide their letter dated December 2 2025 approved the applications for reclassification. The Approval letters are attached herewith. Kindly take the above on record.

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.