Please find enclosed Unaudited Financial results for the quarter and half year ended December 31, 2025
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India Home Loan Ltd posted weak Q3 FY26 results with net profit collapsing to just Rs. 0.86 lakh from Rs. 7.96 lakh a year ago, even though revenue from operations inched up to Rs. 331.45 lakh. For the nine-month period, revenue grew about 12% to Rs. 1,109.19 lakh, but net profit fell sharply to Rs. 9.24 lakh versus Rs. 27.04 lakh in the prior year, dragged down by higher employee costs and other expenses. Assets under management rose to Rs. 48.93 crore from Rs. 45.48 crore in the previous quarter, with Gross NPA at 2.71% and Net NPA at 1.94%. The board also approved doubling the authorised share capital from Rs. 25 crore to Rs. 50 crore and continued Mr. Mahesh Pujara as Managing Director beyond age 70. The auditor's review report carries an emphasis of matter noting that the going-concern outlook is improving but revenue needs to rise further, and also flagged that Rs. 20 crore of NCDs are partly repaid with the company in talks to convert the balance into a term loan or seek moratorium.
Profitability is under serious pressure with operating margin at just 1.10% and net margin at 0.26%, meaning a small rise in costs can wipe out earnings. The proposed doubling of authorised capital hints at a future fund-raise, which could dilute existing shareholders, while the NCD restructuring talks are a key monitorable for debt holders.