Reliance Home

Why is Reliance Home Finance Ltd falling/rising?

As of 01-Sep, Reliance Home Finance Ltd's stock price is at 1.82, unchanged from the previous day, with a year-to-date decline of 37.02% and a 62.00% drop over the past year. Despite recent positive quarterly results, significant decreases in net sales and operating profit, along with low investor participation, indicate a bearish trend and a risky investment environment.

As of 01-Sep, Reliance Home Finance Ltd's stock price is currently at 1.82, with no change from the previous day. The stock has shown a significant decline over various periods, with a year-to-date decrease of 37.02% and a staggering 62.00% drop over the past year. This underperformance is starkly contrasted with the Sensex, which has only declined by 4.26% in the same timeframe.<BR><BR>Despite outperforming its sector by 1.01% today, the stock is trading below its moving averages across all time frames, indicating a bearish trend. Additionally, there has been a notable decrease in investor participation, with delivery volume falling by 42.14% compared to the 5-day average. This lack of interest from investors further contributes to the stock's downward pressure.<BR><BR>While the company has reported positive results for the last three consecutive quarters, it has not declared any results in the past six months, raising concerns about its long-term fundamental strength. The company has experienced a drastic annual decline in net sales by 83.08% and an operating profit drop of 207.23%. These factors, combined with the stock's historical performance and the significant losses it has incurred, suggest a risky investment environment, leading to a bearish sentiment surrounding Reliance Home Finance Ltd.

Who are in the management team of Reliance Home?

The management team of Reliance Home includes Parul Jain (Company Secretary), Chhaya Virani, Rashna Hoshang Khan, Ashok Ramaswamy, Sushilkumar Agarwal (all Independent Directors), and Directors Ashish Turakhia and Sudeep Ghoshal, who oversee the company's operations and governance.

The management team of Reliance Home includes the following individuals:<BR><BR>1. Parul Jain - Company Secretary & Compliance Officer<BR>2. Chhaya Virani - Independent Director<BR>3. Rashna Hoshang Khan - Independent Director<BR>4. Ashok Ramaswamy - Independent Director<BR>5. Sushilkumar Agarwal - Independent Director<BR>6. Ashish Turakhia - Director<BR>7. Sudeep Ghoshal - Director<BR><BR>These members play various roles in overseeing the company's operations and governance.

What does Reliance Home do?

Reliance Home Finance Ltd is a micro-cap housing finance company offering home loans, affordable housing loans, and loans against property. It was established in 2008 as a subsidiary of Reliance Capital and is registered with the National Housing Bank.

Overview:<BR>Reliance Home Finance Ltd is a micro-cap company operating in the housing finance industry, providing home loans, affordable housing loans, loans against property, and construction finance loans.<BR><BR>History:<BR>Reliance Home Finance Ltd was incorporated on June 5, 2008, as a subsidiary of Reliance Capital Limited. The company is registered with the National Housing Bank as a Housing Finance Company. The latest financial results reported are for the quarter ending March 2025.<BR><BR>Financial Snapshot:<BR>Most recent Net Sales: Rs 1144.68 crore (FY 2017)<BR>Most recent Net Profit: -1 Cr (Quarterly Results - Mar 2025)<BR>Market-cap value: INR 91 Cr (Micro Cap)<BR><BR>Key Metrics:<BR>P/E: N/A<BR>Industry P/E: 12<BR>Dividend Yield: 0.00%<BR>Debt-Equity: -0.76<BR>Return on Equity: 6.88%<BR>Price to Book: -1.81<BR><BR>Contact Details:<BR>Address: Reliance Centre 6th Floor, South Wing Santacruz (East) Mumbai Maharashtra : 400055<BR>Phone: 91-22-33036000<BR>Email: rhfl.investor@relianceada.com<BR>Website: http://www.reliancehomefinance.com

Who are the peers of the Reliance Home?

Peers of Reliance Home include Aavas Financiers, INDIA SHELTE FIN, and Repco Home Fin, among others. Reliance Home has below-average management risk and the lowest 1-year return at -61.84% compared to its peers.

Peers: The peers of Reliance Home are Aavas Financiers, INDIA SHELTE FIN, Repco Home Fin, GIC Housing Fin, Ind Bank Housing, India Home Loans, Star Housing Fin, Ruparel Food, Sahara Housing, and SRG Housing.<BR><BR>Quality Snapshot: Excellent management risk is observed at Aavas Financiers and INDIA SHELTE FIN, while Good management risk is found at Repco Home Fin. Below Average management risk is noted for GIC Housing Fin, Reliance Home, India Home Loans, Star Housing Fin, Ruparel Food, Sahara Housing, and SRG Housing. Growth is Excellent at INDIA SHELTE FIN, Average at Aavas Financiers, and Below Average at Repco Home Fin, GIC Housing Fin, Reliance Home, India Home Loans, Star Housing Fin, Ruparel Food, Sahara Housing, and SRG Housing. Capital Structure is Excellent at Aavas Financiers, INDIA SHELTE FIN, Repco Home Fin, GIC Housing Fin, India Home Loans, Star Housing Fin, Ruparel Food, Sahara Housing, and SRG Housing, while Average is noted for Reliance Home.<BR><BR>Return Snapshot: Ind Bank Housing has the highest 1-year return at 31.40%, while Reliance Home has the lowest at -61.84%, indicating a significant negative performance compared to its peers. Additionally, several peers, including GIC Housing Fin, India Home Loans, Star Housing Fin, Ruparel Food, and SRG Housing, have negative six-month returns.

How big is Reliance Home?

As of 31st August, Reliance Home Finance Ltd has a market capitalization of 91.00 Cr, with recent net sales of 0.22 Cr and a net profit of 24.17 Cr. The balance sheet as of March 2023 shows shareholder's funds at a loss of 73.83 Cr and total assets valued at 34.85 Cr.

As of 31st August, Reliance Home Finance Ltd has a market capitalization of 91.00 Cr, categorizing it as a Micro Cap company.<BR><BR>In the latest four quarters, Reliance Home reported Net Sales of 0.22 Cr and a Net Profit of 24.17 Cr.<BR><BR>The latest annual period for the balance sheet is March 2023, showing Shareholder's Funds at a loss of 73.83 Cr and Total Assets valued at 34.85 Cr.

Which are the latest news on Reliance Home?

Is Reliance Home overvalued or undervalued?

As of December 4, 2025, Reliance Home is considered undervalued with a valuation grade upgrade to attractive, despite a negative PE ratio of -44.03 and EV to EBITDA of -58.96, contrasting sharply with peers like HUDCO and LIC Housing Finance, while its year-to-date stock performance has lagged behind the Sensex.

As of 4 December 2025, Reliance Home's valuation grade has moved from risky to attractive, indicating a significant improvement in its perceived value. The company is currently considered undervalued, despite its negative PE ratio of -44.03 and EV to EBITDA of -58.96, which are notable outliers compared to its peers. The PEG ratio stands at 0.00, further supporting the undervaluation thesis.<BR><BR>In comparison to its peers, Reliance Home's valuation metrics are starkly different. For instance, HUDCO, which is categorized as very expensive, has a PE ratio of 15.88, while LIC Housing Finance, classified as attractive, has a PE ratio of 5.44. This highlights the relative undervaluation of Reliance Home in the housing finance sector. Additionally, the company's recent stock performance has lagged behind the Sensex, with a year-to-date return of -22.22% compared to the Sensex's 9.12%, yet it has outperformed the index over the past year with a return of 15.38%.

Should I buy, sell or hold Reliance Home?

How has been the historical performance of Reliance Home?

Reliance Home has experienced a significant decline in financial performance, with net sales dropping from 1,960 Cr in Mar'19 to 0.22 Cr in Mar'25, and substantial losses in operating profit and net income. Overall, the company's financial health has deteriorated, marked by decreasing revenues and profitability.

Answer:<BR>The historical performance of Reliance Home shows a significant decline in net sales and overall financial health over the years.<BR><BR>Breakdown:<BR>Reliance Home's net sales have decreased dramatically from 1,960.00 Cr in Mar'19 to just 0.22 Cr in Mar'25. Other operating income has also fallen to zero since Mar'23, while total operating income has plummeted from 1,986.00 Cr in Mar'19 to 0.22 Cr in Mar'25. The company has faced substantial losses, with operating profit (PBDIT) excluding other income showing a decline from a profit of 88.00 Cr in Mar'19 to a loss of 4.13 Cr in Mar'25. Profit before tax has fluctuated, reaching a high of 9,013.79 Cr in Mar'23 but then dropping to 24.11 Cr in Mar'25. Profit after tax followed a similar trend, with a peak of 5,418.58 Cr in Mar'23 and a modest profit of 24.17 Cr in Mar'25. The company's total liabilities have decreased from 17,969.88 Cr in Mar'19 to 34.85 Cr in Mar'23, while total assets have also declined from 17,969.88 Cr to 34.85 Cr in the same period. Cash flow from operating activities showed a positive trend in Mar'23 at 4,103.00 Cr, but the net cash outflow was recorded at -36.00 Cr, indicating ongoing financial challenges. Overall, the financial metrics reflect a troubling trajectory for Reliance Home, marked by declining revenues and profitability.

What is the technical trend for Reliance Home?

As of May 30, 2025, Reliance Home shows a mildly bullish trend supported by bullish MACD and KST indicators, despite some short-term weakness indicated by the RSI and daily moving averages.

As of 30 May 2025, the technical trend for Reliance Home has changed from sideways to mildly bullish. The weekly MACD and KST indicators are both bullish, supporting the positive outlook. The Bollinger Bands on both weekly and monthly time frames also indicate bullish momentum. However, the weekly RSI is bearish, suggesting some short-term weakness. Daily moving averages are mildly bearish, which could temper the overall bullish sentiment. Dow Theory shows a mildly bullish stance on both weekly and monthly charts. Overall, the current technical stance is mildly bullish, driven primarily by the bullish MACD and KST, despite some mixed signals from the RSI and moving averages.

Are Reliance Home latest results good or bad?

Reliance Home Finance's latest results show a significant improvement in profitability, with a Profit After Tax of Rs 3.03 crore, up 130.36% year-on-year. However, market sentiment is cautious, with analysts rating the stock as a 'Strong Sell,' despite strong sales performance.

Reliance Home Finance's latest results show a notable improvement overall, particularly in terms of profitability. The company reported a Profit After Tax (PAT) of Rs 3.03 crore for the nine-month period, which is a significant year-on-year growth of 130.36%, especially compared to the previous twelve-month period where it faced a loss of Rs 10.42 crore.<BR><BR>However, it's important to note that while the financial performance has improved, the market perception has shifted negatively, as indicated by a decrease in the company's score from 8 to 7 over the last three months. Additionally, the stock is currently rated as a 'Strong Sell' by analysts, suggesting caution.<BR><BR>In terms of sales, Reliance Home Finance has surpassed its previous year's figures, indicating a robust performance in the housing finance sector. Despite the positive financial results, the mixed market sentiment may raise concerns for potential investors. Overall, while the results reflect a positive trend in profitability, the market's cautious stance should be taken into consideration.

Who are the top shareholders of the Reliance Home?

The top shareholders of Reliance Home are primarily individual investors, holding 88.97% of shares, with Ramakrishna Reddy Chinta as the largest public shareholder at 2.43%. Reliance Infrastructure Consulting & Engineers Private Limited is the major institutional promoter with a 0.61% stake.

The top shareholders of Reliance Home include individual investors, who hold a significant 88.97% of the shares. Among the major shareholders, the highest public shareholder is Ramakrishna Reddy Chinta, with a holding of 2.43%. On the institutional side, the promoter with the highest stake is Reliance Infrastructure Consulting & Engineers Private Limited, holding 0.61%. Additionally, the company has a diverse base of mutual funds and foreign institutional investors, although their holdings are relatively minimal.

When is the next results date for Reliance Home?

No Upcoming Board Meetings

Has Reliance Home declared dividend?

Yes, Reliance Home Finance Ltd has declared a 10% dividend (₹1 per share) with an ex-date of September 12, 2018. However, the dividend yield is 0%, as total returns in recent periods have been driven solely by price appreciation.

Yes, Reliance Home Finance Ltd has declared a dividend.<BR><BR>Dividend Details:<BR>- Percentage announced: 10%<BR>- Amount per share: 1 per share<BR>- Ex-date: 12 Sep 18<BR><BR>Dividend Yield: 0%<BR><BR>Total Returns by Period:<BR>In the 6-month period, the price return was 115.67%, the dividend return was 0%, resulting in a total return of 115.67%.<BR><BR>For the 1-year period, the price return was 95.47%, the dividend return was 0%, leading to a total return of 95.47%.<BR><BR>Over the 2-year period, the price return stood at 84.86%, with a dividend return of 0%, culminating in a total return of 84.86%.<BR><BR>In the 3-year period, the price return was 91.99%, the dividend return was 0%, resulting in a total return of 91.99%.<BR><BR>For the 4-year period, the price return was 82.77%, with a dividend return of 0%, leading to a total return of 82.77%.<BR><BR>In the 5-year period, the price return was 362.14%, the dividend return was 0%, resulting in a total return of 362.14%.<BR><BR>Overall, while Reliance Home Finance Ltd has declared a dividend, the dividend yield is 0%, indicating that the dividend has not contributed to returns in recent periods. The total returns over various periods have been significantly driven by price appreciation rather than dividends.