Please find enclosed Unaudited Financial results for the quarter and half year ended September 30, 2025
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India Home Loan Ltd reported Q2 FY26 revenue from operations of ₹350.22 lakhs, up 6.7% YoY from ₹328.34 lakhs, while half-year revenue rose 18.5% to ₹777.74 lakhs. Net profit for the quarter grew ~29% YoY to ₹7.44 lakhs (EPS ₹0.05), though half-year PAT fell sharply to ₹8.39 lakhs from ₹15.67 lakhs. The statutory auditor (H K Shah & Co.) issued an unqualified review report but flagged an emphasis of matter noting that the going-concern outlook is improving only because revenue needs to be further increased. AUM contracted to ₹4,548 lakhs (from ₹4,760 lakhs last quarter), and the company is in talks with bankers to convert outstanding NCDs into term loans or seek moratorium. Gross NPA stood at 2.94% and Net NPA at 2.11%, with debt-equity at 1.19. The board also approved the reclassification of three promoter-group members to public category and appointed Mr. Bharat Singarakhiya as Chief Compliance Officer for 5 years.
Margins remain razor-thin (operating margin 1.53%, net margin 2.13%) and the auditor's going-concern emphasis signals underlying business stress despite quarterly profit growth. Shrinking AUM and pending NCD restructuring are watchpoints; the promoter reclassification is a procedural governance item with no material impact.