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Companies›Financial Services›Financial Services›Finance

INDIA HOME LOAN LTD.

Financial Services › Finance
₹28.15
at close · 28 Oct 2026
▼ 1.30 (-4.41%)

Latest filings

  1. Reg 74(5) confirmation certificate filed for September 2026 quarter · Compliance
  2. India Home Loan discloses defaults on loan repayments · Credit & Debt
  3. Trading window closure from Oct 1, 2026 until Q2 results declaration · Compliance
All filings ↓
Ask Nexa about INDIA HOME LOAN LTD.

Snapshot

What the business is, and whether it's a good one at a fair price.

AI · written from filings

Lends against housing, with the management's background in affordable housing finance. Revenue is earned mainly from interest on the housing loan book. For FY26, total income was ₹1,481.23 lakh, against finance costs of ₹727.59 lakh — interest on borrowed funds being the dominant cost, well above employee costs (21.6% of revenue) and other opex (26.7%). Net profit fell to ₹9.64 lakh (EPS ₹0.07), with assets under management of ₹4,867 lakh at year-end. Asset quality stands at Gross NPA of 2.69% and Net NPA of 1.93%. The company carries an IVR D credit rating from Infomerics on bank loan facilities of Rs. 39.92 crore and NCDs of Rs. 16.95 crore, and has filed defaults on debt obligations including 200 NCDs with current outstanding of Rs. 24.03 crore.

Operating scale
Assets under management
₹4,867 lakhFY26
Total assets
Rs. 97.30 croreFY26
Gross NPA
2.69%FY26
Net NPA
1.93%FY26
Bank loan facilities outstanding
Rs. 39.92 crore
NCD redemption default outstanding
Rs. 24.03 crore
Who pays it
Borrowers seeking home loans, primarily in the affordable housing segment
Biggest cost
Finance costs (interest on borrowed funds) at ₹727.59 lakh in FY26
Kind of business
Small, stressed housing finance company with very thin margins and a heavy interest burden relative to revenue
Where it sits
Small BSE-listed HFC with AUM of ₹4,867 lakh and an IVR D (default-risk) credit rating
Market Cap
₹40 Cr
P / E (TTM)
216.5×
EV / EBITDA
—
Div Yield
—
Growth
-13.8%▼
Revenue 5y CAGR
PAT -38.8% · EBITDA -19.0%
Quality
—·
ROCE (FY26)
ROE 0.7% (5y median) · margin 51.9%
Leverage
—·
Debt / Equity · not read for a lender
Revenue FY21→FY26
0.5×▼
Margin −3.0 pts
₹31 Cr → ₹15 Cr
Moves on a normal day
1.51%·
Median daily move
Last 268 sessions · the yardstick for filing-day moves
Where it sits among 19 Housing Finance Company peersBar = share of peers beaten · tick = industry median · latest reported figures
P/E (TTM)#17/17
P/B#9/17
ROE#16/17
EBITDA margin#15/19
Revenue growth#18/19
Profit growth#1/20

Scorecard

Measured from the filed financials, judged against its Housing Finance Company peers · as of FY26 — not investment advice

Strengths
Nothing stands out in the filed numbers.
Concerns
Revenue shrinking over 5 years (−14% a year)
Profit shrinking over 5 years (−39% a year)
Erratic profits — up in only 2 of the last 5 years
EPS grew slower than profit — the share count rose (bonus or dilution)

Charts

How has the market priced it — with filings on the timeline?

Price

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▲ positive · ▼ negative · ● neutral filings · teal = economic event · numbered = multiple that day (click to pick). Times IST.

Peers

How does it stack up on valuation, returns and growth?

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Financials

Quarterly & annual P&L, balance sheet, cash flow, ratios and segments.

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Ownership

Who owns it — and is the promoter stake clean?

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Common questions

Answered from INDIA HOME LOAN LTD.'s filed financials and exchange disclosures

What does INDIA HOME LOAN LTD. do?

INDIA HOME LOAN LTD. is a Finance company listed on BSE.

Is INDIA HOME LOAN LTD. profitable?

Yes. Over the trailing twelve months INDIA HOME LOAN LTD. reported a net profit of ₹0.15 Cr on revenue of ₹13 Cr.

Does INDIA HOME LOAN LTD. pay a dividend?

Not in the latest reported year — INDIA HOME LOAN LTD.'s dividend payout for FY26 was nil.

Is INDIA HOME LOAN LTD. expensive compared with its peers?

On trailing P/E, INDIA HOME LOAN LTD. ranks 17 of 17 in Housing Finance Company — cheaper than 0% of them, against an industry median of 10.1×. This is a position, not a valuation judgement.

How much does the INDIA HOME LOAN LTD. share price move in a day?

On a typical session INDIA HOME LOAN LTD. moves 1.51% — that is the median absolute close-to-close move across its last 268 trading days. MarketPing measures each filing's price reaction against it.

Where can I track INDIA HOME LOAN LTD.'s announcements?

Every NSE and BSE filing by INDIA HOME LOAN LTD. appears on this page, AI-summarised, alongside the price reaction that followed it. Follow the company to get each new filing on WhatsApp within minutes.

Figures are as last reported and may lag the latest filing. Not investment advice.