Please find enclosed Audited Financial Results for the fourth quarter and financial year ended March 31, 2026, along with Auditors'' report thereon.
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India Home Loan Ltd reported total income of ₹1,481.23 lakh for FY26, up 8.2% from ₹1,368.84 lakh in FY25, driven by higher revenue from operations (₹1,479.05 lakh vs ₹1,360.17 lakh). However, net profit after tax fell sharply to ₹9.64 lakh from ₹27.28 lakh in the prior year — a decline of roughly 65%. The company cited higher employee benefit expenses (₹319.33 lakh vs ₹277.28 lakh) and increased other expenses as key pressure points. EPS dropped to ₹0.07 from ₹0.19. For Q4 alone, net profit was a minimal ₹0.39 lakh. Assets under management decreased to ₹4,867 lakh from ₹4,893 lakh in the prior quarter. The statutory auditor issued an unmodified opinion, but included an Emphasis of Matter noting that while the going-concern outlook is improving, revenue needs to be increased further.
Sharp profit contraction despite modest revenue growth signals operational cost pressures and low profitability margins. The auditor's emphasis on the need for higher revenue raises concerns about business scalability. The stock with a face value of ₹10 and EPS of just ₹0.07 appears significantly overpriced at any meaningful market price, and shareholders should monitor the company's path to profitability.