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Sahara Housingfina Corporation has filed its 34th Annual Report for the financial year ended March 31, 2025, ahead of its AGM scheduled for September 25, 2025 via video conference. The company's financial performance weakened significantly, with Gross Income falling to ₹862.84 lakh from ₹1,062.65 lakh, Profit Before Tax dropping to ₹80.03 lakh from ₹184.95 lakh, and Profit After Tax declining to ₹64.84 lakh from ₹140.45 lakh. Earnings Per Share halved to ₹0.93 from ₹2.01, and Assets Under Management shrank to ₹6,808.82 lakh from ₹7,576.74 lakh. On the positive side, Capital Adequacy Ratio improved to 127.87% and Gross NPAs reduced to ₹520.90 lakh from ₹583.06 lakh. The company made a 30% partial redemption of its ₹30 crore secured NCD (₹9 crore paid), carries an outstanding NCD of ₹21 crore, and has a credit rating of IVR BB-/Negative. No dividend was declared, with earnings retained for lending business growth.
Shareholders should note a sharp decline in profitability and shrinking loan book, partially offset by strong capital adequacy and improved asset quality. The negative outlook credit rating and absence of dividend may weigh on the stock, though the company remains well-capitalized for its small-scale housing finance operations.