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India Home Loans

INDIAHOMELOANSLTD NSE

Key Fundamentals

MicrocapHousing FinanceFinancial Services
Market Cap
₹44.24 Cr
Volatility
Moderate
P/E Ratio
321.6
EBITDA
₹7.70 Cr
Return on Equity
0.23%
Debt to Equity
1.12
Book Value
₹29.03
EPS
₹0
52W High
₹46.7
52W Low
₹24.8

Tapetide Score

Data-driven rating, 0–100. How it works →

Key Insights

Strengths

1
  • Stock is trading at 1.10 times its book value

Weaknesses

6
  • Though the company is reporting repeated profits, it is not paying out dividend
  • Company has low interest coverage ratio.
  • The company has delivered a poor sales growth of -14.0% over past five years.
  • Promoter holding is low: 27.1%
  • Company has a low return on equity of -1.85% over last 3 years.
  • Promoter holding has decreased over last 3 years: -9.32%

Growth Rate

Revenue Growth
8.03% higher than 3Y
Net Income Growth
-66.67% lower than 3Y
Cash Flow Change
-51.79% higher than 3Y
ROE
-65.15% lower than 3Y
ROCE
-0.34% lower than 3Y
EBITDA Margin (Avg.)
-13.96% lower than 3Y

Quarterly Results

Particulars Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026
Revenue
3.74
3
2.95
2.33
3.28
3.28
3.31
3.73
4.28
3.5
3.31
3.7
2.47
Expenses
1.36
0.31
1.95
2.12
1.23
1.29
1.27
1.64
2.3
1.51
1.42
1.89
1.19
Financing Profit
-0.3
0.19
-1.16
-2.02
0.09
0.07
0.13
0.2
0.11
0.12
0.09
0.07
0.09
Fin. Margin %
-8.02%
6.33%
-39.32%
-86.7%
2.74%
2.13%
3.93%
5.36%
2.57%
3.43%
2.72%
1.89%
3.64%
Other Income
0.06
0.02
0.01
0.01
0.06
0.01
0.01
0.01
0
0
0
0.01
0
Interest
2.68
2.5
2.16
2.23
1.96
1.92
1.91
1.89
1.87
1.87
1.8
1.74
1.19
Depreciation
0.07
0.05
0.03
0.03
0.01
0.03
0.07
0.12
0.06
0.07
0.06
0.05
0.06
PBT
-0.31
0.16
-1.18
-2.04
0.14
0.05
0.07
0.09
0.05
0.05
0.03
0.03
0.03
Tax %
-9.68%
37.5%
-2.54%
3.43%
21.43%
-20%
0%
55.56%
80%
-40%
100%
100%
-100%
Net Profit
-0.27
0.09
-1.15
-2.11
0.1
0.06
0.08
0.04
0.01
0.07
0.01
0
0.06
EPS in Rs
-0.19
0.06
-0.81
-1.48
0.07
0.04
0.06
0.03
0.01
0.05
0.01
0
0.04
Gross NPA %
4.78%
2.81%
3.32%
3.63%
3.55%
2.84%
2.9%
3.22%
3.34%
2.94%
2.71%
2.69%
2.68%
Net NPA %
3.45%
2.01%
2.39%
2.61%
2.55%
2.04%
2.08%
2.31%
2.4%
2.11%
1.94%
1.93%
1.92%
Figures in ₹ Crores

Profit & Loss

Particulars Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026TTM
Revenue
2.51
4.28
5.86
16.69
31.84
32.57
31.13
30.06
22.36
12.02
13.6
14.67
12.98
Expenses
1.47
1.8
2.65
5.41
6.82
7.3
9.16
9.45
8.74
5.76
5.5
6.31
6.01
Financing Profit
0.96
1.35
1.47
4.36
3.27
3.7
1.72
4.08
0.73
-3.25
0.46
1.11
0.37
Fin. Margin %
38.25%
31.54%
25.09%
26.12%
10.27%
11.36%
5.53%
13.57%
3.26%
-27.04%
3.38%
7.57%
2.85%
Other Income
0
0.01
0
0
0
0.37
0
0.42
0.82
0.07
0.12
-0.7
0.01
Interest
0.08
1.13
1.74
6.92
21.75
21.57
20.25
16.53
12.89
9.51
7.64
7.25
6.6
Depreciation
0.15
0.07
0.07
0.29
0.44
0.33
0.23
0.53
0.56
0.19
0.23
0.23
0.24
PBT
0.81
1.29
1.4
4.07
2.83
3.74
1.49
3.97
0.99
-3.37
0.35
0.18
0.14
Tax %
29.63%
33.33%
29.29%
27.03%
35.69%
25.4%
24.16%
51.64%
38.38%
2.37%
22.86%
38.89%
—
Net Profit
0.58
0.86
0.99
2.96
1.82
2.8
1.12
1.92
0.61
-3.44
0.27
0.1
0.14
EPS in Rs
0.51
0.76
0.69
2.07
1.27
1.96
0.78
1.34
0.43
-2.41
0.19
0.07
0.1
Div. Payout %
0%
0%
14.42%
9.65%
15.69%
7.65%
12.75%
0%
0%
0%
0%
0%
—
Figures in ₹ Crores

Balance Sheet

Particulars Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Equity Capital
11.37
11.37
14.28
14.28
14.28
14.28
14.28
14.28
14.28
14.28
14.28
14.28
Reserves
6.28
7.14
16.99
19.61
21.4
23.87
24.83
29.64
30.33
26.92
27.16
27.17
Borrowing
5
13.21
14.13
156
192
170
171
126
91
56.86
49.62
43.35
Other Liabilities
0.22
0.81
1.22
3.08
9.37
14.3
1.47
3.54
3.56
5.94
8.56
12.5
Total Liabilities
22.87
32.53
46.62
193
237
223
211
173
139
104
99.62
97.3
Fixed Assets
0.15
0.09
0.17
1.05
0.9
0.69
0.54
0.67
0.44
0.29
0.58
0.38
CWIP
0.05
0.05
0.13
0
0
0
0
0
0
0
0
0
Investments
2.28
0
2.49
4
9.01
0
0
0
0
0
0
0
Other Assets
20.39
32.39
43.83
188
227
222
211
173
139
104
99.04
96.92
Total Assets
22.87
32.53
46.62
193
237
223
211
173
139
104
99.62
97.3
Figures in ₹ Crores

Cash Flow

Particulars Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Operating
-3.64
-9.1
-9.42
-133
-55.43
10.69
7.67
40.53
34.82
30.94
12.3
5.93
Investing
-1.44
2.4
-2.41
-2.25
-6.36
9.18
-1.57
1.54
-0.32
3.24
-4.64
0
Financing
5.2
6.45
12.61
141
59.37
-21.95
-5.12
-44.85
-34.65
-34.05
-7.54
-6.39
Net Cash Flow
0.12
-0.24
0.79
6.19
-2.42
-2.08
0.98
-2.78
-0.15
0.13
0.11
-0.46
Free Cash Flow
-3.64
-9.11
-9.65
-134
-55.72
10.58
7.59
40.01
34.48
30.91
11.78
5.93
CFO/OP
-328
-351
-283
-1,169
-217
45
39
199
256
494
153
73
Figures in ₹ Crores

Ratios

Particulars Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
ROE %
3.46%
4.76%
3.98%
9.09%
5.23%
7.56%
2.9%
4.62%
1.38%
-7.97%
0.58%
2.08%

Insights

Beta

AI-extracted from concalls & annual reports · figures as reported, with sources

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Shareholding Pattern

DIIs0.07%Public43.26%Promot.27.06%Others29.61%As ofJun 2026

Documents

Frequently Asked Questions about India Home Loans

What does India Home Loans Ltd do?
Incorporated in 1990, India Home Loan Ltd offers retail home loan products in the affordable housing segment[1]
Where is India Home Loans Ltd (530979) listed?
India Home Loans Ltd trades as INDIAHOMELOANSLTD on the NSE and under code 530979 on the BSE.
Which sector does India Home Loans Ltd belong to?
India Home Loans Ltd is classified under the Financial Services sector, in the Housing Finance industry.
What is the market capitalisation of India Home Loans Ltd?
India Home Loans Ltd has a market capitalisation of ₹44.24 Cr, which places it in the Small Cap band.
What is the PE ratio of India Home Loans Ltd?
India Home Loans Ltd trades at a PE ratio of 321.60, on earnings per share of ₹0, against a book value of ₹29.03 per share.
What is the 52-week high and low of India Home Loans Ltd?
Over the last 52 weeks India Home Loans Ltd has traded between ₹24.8 and ₹46.7.
Does India Home Loans Ltd pay dividends?
India Home Loans Ltd has a dividend yield of 0.31%.
What is the Return on Equity (ROE) of India Home Loans Ltd?
India Home Loans Ltd reported a return on equity of 0.23%. Its debt-to-equity ratio is 1.12.

Company Information

Incorporated in 1990, India Home Loan Ltd offers retail home loan products in the affordable housing segment[1]

Website indiahomeloan.co.in
Listed 1999-02-24
Face Value ₹ 10

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