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. AR · MarketPing reader · 2026-08-02
Revenue streams, as the annual report describes them. Interest income on housing loans. Small, stressed housing finance company with very thin margins and a heavy interest burden relative to revenue
| ₹ crore · consolidated | FY22 | FY23 | FY24 | FY25 | FY26 |
|---|---|---|---|---|---|
| Revenue | 30 | 22 | 12 | 14 | 15 |
| EBITDA (ex other income) | 21 | 13 | 6 | 8 | 8 |
| margin % | 68.5 | 59.9 | 52.4 | 60.1 | 51.8 |
| Owners' profit | 2 | 1 | (3) | 0 | 0 |
| EPS, as reported (₹) | 1.36 | 0.43 | (2.41) | 0.19 | 0.07 |
| ROE % · ROCE % | 4.4 · — | 1.4 · — | (8.4) · — | 0.7 · — | 0.2 · — |
| Debt / equity (x) | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Cash from operations | 41 | 35 | 28 | 12 | 4 |
| Capex | (1) | (0) | (0) | (0) | (0) |
| ₹ crore | Q2 FY25 | Q3 FY25 | Q4 FY25 | Q1 FY26 | Q2 FY26 | Q3 FY26 | Q4 FY26 | Q1 FY27 |
|---|---|---|---|---|---|---|---|---|
| Revenue | 3 | 3 | 4 | 4 | 4 | 3 | 4 | 2 |
| Profit before tax | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Net profit | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| EPS (₹) | 0.04 | 0.06 | 0.01 | 0.01 | 0.05 | 0.01 | 0.03 | 0.04 |
| Company | M.cap ₹ cr | P/E | P/B | EV/EBITDA | ROE % | ROCE % | Rev CAGR 5y % | EBITDA m. % |
|---|---|---|---|---|---|---|---|---|
| BAJAJ HOUSING FINANCE LTD | 70,078 | 34.6 | 3.11 | — | 11.4 | — | — | 92.4 |
| LIC HOUSING FINANCE LTD | 30,982 | 5.4 | 0.75 | 1.1 | 13.5 | — | 7.7 | 97.1 |
| PNB HOUSING FIN LTD. | 30,721 | 13.3 | 1.60 | 3.5 | 11.9 | — | 2.3 | 91.6 |
| AADHAR HOUSING FINANCE L | 19,978 | 17.4 | 2.65 | 6.9 | 14.5 | — | — | 75.4 |
| Date · filing | Category | Importance | 1-day % | 5-day % |
|---|---|---|---|---|
| 11 Sept 2026 · India Home Loan 36th AGM held - 5 resolutions tabled for voting | board shareholder meetings | low | — | — |
| 19 Aug 2026 · Newspaper notice on dispatch of 36th AGM notice and FY26 annual report | compliance | minimal | — | — |
| 18 Aug 2026 · 36th AGM notice on 11 Sep 2026 and FY26 annual report link | board shareholder meetings | low | — | — |
| 18 Aug 2026 · Notice of 36th AGM and Annual Report FY 2025-26 | board shareholder meetings | medium | — | — |
| 18 Aug 2026 · India Home Loan 36th AGM on Sep 11, 2026; notice and annual report sent | board shareholder meetings | low | — | — |
| 17 Aug 2026 · Newspaper notice for 36th AGM to be held on September 11, 2026 | compliance | minimal | — | — |
| 14 Aug 2026 · Newspaper publication of Q1 FY27 financial results | compliance | minimal | — | — |
| 13 Aug 2026 · Company Secretary Mr. Akash Das resigns from India Home Loan | management changes | high | — | — |
| 7 Aug 2026 · India Home Loan board to consider Q1 FY27 results on Aug 12 | results | low | — | — |
| 25 Jul 2026 · Credit rating reaffirmed at IVR D, removed from Issuer Not Cooperating | credit debt | medium | — | — |
| Where a broker report shows | This document shows | Why |
|---|---|---|
| A rating (BUY / ADD / REDUCE / SELL) | A state: the latest filed quarter and the measured reactions |
| SAMMAAN CAPITAL LIMITED |
| 17,203 |
| — |
| 0.91 |
| — |
| (37.6) |
| — |
| (3.8) |
| 101.8 |
| HOME FIRST FIN CO IND LTD | 12,386 | 21.2 | 2.84 | — | 12.4 | — | — | 78.3 |
| APTUS VALUE HSG FIN I LTD | 12,360 | 12.5 | 2.44 | 6.3 | 18.6 | — | — | 83.7 |
| CAN FIN HOMES LTD | 10,400 | 9.2 | 1.74 | — | 18.2 | — | — | 91.3 |
| Metric | Company | Group median | Rank | Better than |
|---|---|---|---|---|
| P/E (TTM) | 244.2 | 13.3 | 17 of 17 | 0% |
| P/B | 1.1 | 1.4 | 8 of 16 | 53% |
| ROE | 0.2 | 11.6 | 17 of 20 | 16% |
| Debt / Equity | 0.0 | 0.0 | 3 of 20 | 0% |
| EBITDA margin | 51.0 | 74.7 | 15 of 19 | 22% |
| Revenue growth | (42.1) | 9.0 | 18 of 19 | 6% |
| Profit growth | 560.6 | 19.3 | 1 of 20 | 100% |
| Market cap | 45 | 7130 | 16 of 19 | 17% |
| an event is a fact; a rating is an opinion that requires SEBI RA registration |
| A target price and upside | The current price and the multiples against the group | a target is a forecast; a multiple is a measurement |
| Estimate years marked E | More audited years; no estimates | MarketPing publishes no forecasts — your own model lives on the Models page |
This document is a statistical summary of publicly filed information and market data, prepared by software from primary sources: SEBI results XBRL filed with BSE and NSE, LODR disclosures, shareholding patterns, exchange price data. It contains no research recommendation, no price target and no opinion on the merits of any security, and is not a research report within the meaning of the SEBI (Research Analysts) Regulations, 2014, Regulation 2(1)(w)(vii). Financial statements are as filed (consolidated where the company files consolidated results). Ratios are computed over filed lines. Where a figure is unavailable the table shows a dash rather than an estimate. The business brief is written by MarketPing's reader from the annual report and checked against it; no figure in a table was generated by a model. Nothing here constitutes investment advice, an offer or a solicitation; readers should consult a SEBI-registered adviser before acting. MarketPing is not a SEBI-registered intermediary.
