Please find attached herewith the Unaudited Financial Results for the quarter ended June 30, 2025 along with the Limited Review report.
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India Home Loan Limited, a small housing finance company, reported its Q1 FY26 results. Revenue from operations rose sharply to ₹427.52 lakhs from ₹328.28 lakhs in Q1 FY25, a growth of about 30%. However, profit after tax fell sharply to just ₹0.94 lakhs versus ₹9.91 lakhs in the same quarter last year, as total expenses (especially other expenses, which jumped from ₹62.27 lakhs to ₹161.09 lakhs) ate into earnings. The statutory auditor issued an unqualified review report but flagged an 'Emphasis of Matter' note, mentioning that although the going-concern outlook is improving, revenue needs to grow further. Assets under Management shrank from ₹4,961 lakhs to ₹4,760 lakhs. Gross NPAs stood at 3.34% and net NPAs at 2.40%, with 100% provision coverage. Debt-equity ratio is 1.25.
Despite strong topline growth, the steep drop in profitability and the auditor's emphasis-of-matter note on revenue sustainability and ongoing NCD repayment negotiations (only ₹437 lakhs repaid of ₹20 crore raised) signal continued financial stress for shareholders. The stock is likely to be viewed negatively given the collapsing bottom line and shrinking loan book.