India Home Loans Ltd

INDIAHOME

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Market Cap

₹ 52 Cr

P/E

260.64

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Performance

UNDER PERFORMER

Valuation

REASONABLE

Growth

SLUGGISH

Profitability

MODERATE MARGIN

Technicals

Bearish

Risk

MODERATE RISK

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Price

PE Ratio

Price

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Overview

Detailed Summary

India Home Loans Limited is a housing finance company registered with National Housing Bank of India. It focuses on retail home loans for affordable housing, aiding customers in purchasing, constructing, or extending homes.

The company has transitioned its name from Manoj Housing Finance Company Limited to India Home Loans Limited, indicating a refreshed brand identity.

Operating under regulatory oversight of the National Housing Bank, the company aligns with India's goals for increasing affordable housing availability.

As a niche player in home finance, the company's strategy focuses on capturing demand in the lower-income segment of the housing market.

The merger with the Reserve Bank of India positions the company under robust regulatory frameworks, enhancing operational stability and credibility.

Sector

Finance

Industry

Finance - Housing - Medium / Small

Market Cap

52 Cr

Volatility

Low Risk

P/E Ratio

260.6

Industry P/E

16.8

PEG Ratio

2.4

P/B Ratio

1.3

52W High

47.54

52W Low

27.00

Sales CAGR

13.14%

-23.22%

-15.91%

10Y

14.09%

Profit CAGR

107.85%

-47.78%

-37.26%

10Y

-11.98%

ROE

TTM

0.48%

-2.02%

0.22%

10Y

2.70%

ROCE

TTM

8.92%

8.61%

9.96%

10Y

10.02%

Technicals

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Forecasts

Peers

Symbol	Price	Market Cap	P/E	P/B	Div Yield (%)	ROE (%)	ROCE (%)	ROA (%)
STARHFL	12.04	165 Cr	20.24	0.93	0.48	5.59	11.56	1.48
CORALFINAC	39.92	159 Cr	12.24	0.74	1.01	6.07	7.12	5.67
RHFL	3.02	148 Cr	—	0.00	0.00	7.65	25.35	1529.75
INDIAHOME	36.48	52 Cr	260.64	1.26	0.00	0.48	8.92	0.20
INDBNK	37.75	37 Cr	—	0.00	0.00	0.20	-1.26	-1.18
SAHARAHOUS	41.65	31 Cr	62.60	0.58	0.00	0.93	3.34	0.64
MANRAJH	47.90	24 Cr	—	0.00	0.00	70.85	-2.37	-2.35

Financial Statements

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Standalone Quarterly Results (in ₹ Crores)

Total Figures

QoQ Changes

Total Figures

	Jun 2023	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025
Revenue	3.74	3.00	2.95	2.33	3.28	3.28	3.31	3.73	4.28	3.50
Expenses	1.36	0.31	1.95	2.11	1.24	1.29	1.26	1.64	2.30	1.51
Interest	2.68	2.50	2.16	2.23	1.96	1.92	1.91	1.89	1.87	1.87
Financing Profit	-0.30	0.19	-1.16	-2.01	0.08	0.07	0.14	0.20	0.11	0.12
Financing Margin %	-8.02	6.33	-39.32	-86.27	2.44	2.13	4.23	5.36	2.57	3.43
Other Income	0.06	0.02	0.01	0.01	0.06	0.01	0.01	0.01	0.00	0.00
Depreciation	0.07	0.05	0.03	0.03	0.01	0.03	0.07	0.12	0.06	0.07
Profit Before Tax	-0.30	0.15	-1.18	-2.04	0.13	0.05	0.08	0.09	0.05	0.05
Tax %	10.00	40.00	2.54	-3.43	23.08	-20.00	0.00	88.89	80.00	-40.00
Net Profit	-0.27	0.09	-1.15	-2.11	0.10	0.06	0.08	0.01	0.01	0.07
EPS in Rs	-0.19	0.06	-0.81	-1.48	0.07	0.04	0.06	0.01	0.01	0.05
Gross NPA %	4.78	2.81	3.32	3.63	3.55	2.84	0.00	0.00	0.00	0.00
Net NPA %	3.45	2.01	2.39	2.61	2.55	2.04	0.00	0.00	0.00	0.00

Standalone Profit Loss (in ₹ Crores)

Total Figures

YoY Changes

Total Figures

	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	TTM
Revenue	5.52	16	31	32	31	30	22	12	14	15
Expenses	2.65	5.42	6.82	7.30	9.16	9.46	8.75	5.78	5.47	6.49
Interest	1.74	6.92	22	22	20	17	13	9.51	7.64	7.59
Financing Profit	1.13	4.05	2.83	3.48	1.72	4.06	0.70	-3.28	0.49	0.52
Financing Margin %	20.50	24.70	9.02	10.75	5.52	13.51	3.15	-27.26	3.60	3.56
Other Income	0.34	0.31	0.44	0.60	0.00	0.44	0.84	0.09	0.09	NaN
Depreciation	0.07	0.29	0.44	0.33	0.23	0.53	0.56	0.19	0.23	0.28
Profit Before Tax	1.40	4.06	2.83	3.75	1.48	3.96	0.99	-3.37	0.35	0.27
Tax %	341.51	369.84	281.47	397.16	409.61	193.49	259.20	-4,464.24	467.45	40.74
Net Profit	0.99	2.96	1.82	2.80	1.12	1.92	0.61	-3.44	0.27	0.16
EPS in Rs	0.74	2.08	1.33	1.81	0.77	1.34	0.42	-2.42	0.18	0.13
Dividend Payout %	800.00	1,040.00	640.00	1,180.00	790.00	—	—	—	—	—

Standalone Balance Sheet (in ₹ Crores)

Total Figures

YoY Changes

Total Figures

	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025
Equity Capital	11	14	14	14	14	14	14	14	14	14
Reserves	7.14	17	20	21	24	25	30	30	27	27
Borrowings	10	11	136	192	170	171	125	91	57	49
Other Liabilities	3.81	4.49	22	9.38	14	1.47	3.81	3.74	6.01	8.94
Total Liabilities	33	47	193	237	223	211	173	139	104	100
Fixed Assets	0.09	0.17	1.05	0.90	0.69	0.54	0.67	0.44	0.29	0.58
CWIP	0.05	0.13	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Investments	0.00	0.00	0.00	9.01	0.00	0.00	0.00	0.00	0.00	0.00
Other Assets	32	46	192	227	222	211	173	139	104	99
Total Assets	33	47	193	237	223	211	173	139	104	100

Standalone Cash Flows (in ₹ Crores)

Total Figures

YoY Changes

Total Figures

	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025
Cash from Operating Activity	-9.10	-9.42	-133	-55	11	7.67	41	35	31	12
Cash from Investing Activity	2.40	-2.41	-2.25	-6.36	9.18	-1.57	1.54	-0.32	3.24	-4.64
Cash from Financing Activity	6.45	13	141	59	-22	-5.12	-45	-35	-34	-7.54
Net Cash Flow	-0.24	0.79	6.19	-2.42	-2.08	0.98	-2.78	-0.15	0.13	0.11

Shareholdings

Shareholding History

Quarterly

Yearly

Quarterly

	Dec 2022	Mar 2023	Jun 2023	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025
Promoters	36.29%	36.38%	36.38%	36.55%	36.55%	36.55%	37.92%	38.97%	38.97%	38.99%	39.07%	26.66%
FIIs	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
DIIs	24.57%	24.57%	24.57%	24.57%	24.57%	24.57%	24.57%	24.57%	24.57%	24.57%	24.57%	0.07%
Public	39.14%	39.05%	39.05%	38.88%	38.88%	38.88%	37.51%	36.46%	36.46%	36.44%	36.36%	73.26%
Total Shareholders	2,835	2,719	2,735	2,960	3,236	3,500	3,649	3,678	3,820	3,833	3,822	3,773

Market Transactions

Date	Party	Category	Type	Avg Price (₹)	Total Value (₹)	Quantity	Percent Traded
Oct 07, 2025	Akarshika traders llp	Bulk	Sell	34.90	0.33 Cr	94,045	0.65
Oct 07, 2025	Akarshika traders llp	Bulk	Buy	37.00	0.01 Cr	2,985	0.02
Oct 03, 2025	Daksha ashokbhai patel	Insider - Promoter Group	Disposal	30.00	1.80 Cr	6,00,000	4.2
Oct 03, 2025	Ashok shanabhai patel	Insider - Promoter	Disposal	30.00	3.70 Cr	12,32,810	8.63
Sep 26, 2025	Mitesh pujara	Insider - Promoter & Director	Acquisition	41.43	0.10 Cr	25,000	0.17
Jun 12, 2024	Bhavin mahesh pujara	Bulk	Buy	31.50	0.46 Cr	1,47,074	1.02
Jun 12, 2024	Indira rameshchandra suchak	Bulk	Sell	31.50	0.32 Cr	1,02,074	0.71
Sep 14, 2023	Bhavin mahesh pujara	Insider - Promoter Group	Acquisition	26.06	0.07 Cr	25,000	0.17
Mar 29, 2023	Mahesh narshi pujara	Insider - Promoter & Director	Acquisition	34.32	0.01 Cr	2,350	0.01
Mar 24, 2023	Mahesh narshi pujara	Insider - Promoter & Director	Acquisition	37.48	0.00 Cr	1,000	0.00

Projection

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Action Type

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Announcements

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Documents

Presentations

Concalls

Reports

Presentations

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Financial Statements

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Standalone Quarterly Results (in ₹ Crores)

Total Figures

QoQ Changes

Total Figures

	Jun 2023	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025
Revenue	3.74	3.00	2.95	2.33	3.28	3.28	3.31	3.73	4.28	3.50
Expenses	1.36	0.31	1.95	2.11	1.24	1.29	1.26	1.64	2.30	1.51
Interest	2.68	2.50	2.16	2.23	1.96	1.92	1.91	1.89	1.87	1.87
Financing Profit	-0.30	0.19	-1.16	-2.01	0.08	0.07	0.14	0.20	0.11	0.12
Financing Margin %	-8.02	6.33	-39.32	-86.27	2.44	2.13	4.23	5.36	2.57	3.43
Other Income	0.06	0.02	0.01	0.01	0.06	0.01	0.01	0.01	0.00	0.00
Depreciation	0.07	0.05	0.03	0.03	0.01	0.03	0.07	0.12	0.06	0.07
Profit Before Tax	-0.30	0.15	-1.18	-2.04	0.13	0.05	0.08	0.09	0.05	0.05
Tax %	10.00	40.00	2.54	-3.43	23.08	-20.00	0.00	88.89	80.00	-40.00
Net Profit	-0.27	0.09	-1.15	-2.11	0.10	0.06	0.08	0.01	0.01	0.07
EPS in Rs	-0.19	0.06	-0.81	-1.48	0.07	0.04	0.06	0.01	0.01	0.05
Gross NPA %	4.78	2.81	3.32	3.63	3.55	2.84	0.00	0.00	0.00	0.00
Net NPA %	3.45	2.01	2.39	2.61	2.55	2.04	0.00	0.00	0.00	0.00

Standalone Profit Loss (in ₹ Crores)

Total Figures

YoY Changes

Total Figures

	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	TTM
Revenue	5.52	16	31	32	31	30	22	12	14	15
Expenses	2.65	5.42	6.82	7.30	9.16	9.46	8.75	5.78	5.47	6.49
Interest	1.74	6.92	22	22	20	17	13	9.51	7.64	7.59
Financing Profit	1.13	4.05	2.83	3.48	1.72	4.06	0.70	-3.28	0.49	0.52
Financing Margin %	20.50	24.70	9.02	10.75	5.52	13.51	3.15	-27.26	3.60	3.56
Other Income	0.34	0.31	0.44	0.60	0.00	0.44	0.84	0.09	0.09	NaN
Depreciation	0.07	0.29	0.44	0.33	0.23	0.53	0.56	0.19	0.23	0.28
Profit Before Tax	1.40	4.06	2.83	3.75	1.48	3.96	0.99	-3.37	0.35	0.27
Tax %	341.51	369.84	281.47	397.16	409.61	193.49	259.20	-4,464.24	467.45	40.74
Net Profit	0.99	2.96	1.82	2.80	1.12	1.92	0.61	-3.44	0.27	0.16
EPS in Rs	0.74	2.08	1.33	1.81	0.77	1.34	0.42	-2.42	0.18	0.13
Dividend Payout %	800.00	1,040.00	640.00	1,180.00	790.00	—	—	—	—	—

Standalone Balance Sheet (in ₹ Crores)

Total Figures

YoY Changes

Total Figures

	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025
Equity Capital	11	14	14	14	14	14	14	14	14	14
Reserves	7.14	17	20	21	24	25	30	30	27	27
Borrowings	10	11	136	192	170	171	125	91	57	49
Other Liabilities	3.81	4.49	22	9.38	14	1.47	3.81	3.74	6.01	8.94
Total Liabilities	33	47	193	237	223	211	173	139	104	100
Fixed Assets	0.09	0.17	1.05	0.90	0.69	0.54	0.67	0.44	0.29	0.58
CWIP	0.05	0.13	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Investments	0.00	0.00	0.00	9.01	0.00	0.00	0.00	0.00	0.00	0.00
Other Assets	32	46	192	227	222	211	173	139	104	99
Total Assets	33	47	193	237	223	211	173	139	104	100

Standalone Cash Flows (in ₹ Crores)

Total Figures

YoY Changes

Total Figures

	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025
Cash from Operating Activity	-9.10	-9.42	-133	-55	11	7.67	41	35	31	12
Cash from Investing Activity	2.40	-2.41	-2.25	-6.36	9.18	-1.57	1.54	-0.32	3.24	-4.64
Cash from Financing Activity	6.45	13	141	59	-22	-5.12	-45	-35	-34	-7.54
Net Cash Flow	-0.24	0.79	6.19	-2.42	-2.08	0.98	-2.78	-0.15	0.13	0.11

Oscillators

BearishNeutralBullish

Neutral

Bearish

Neutral

Bullish

Overall

BearishNeutralBullish

Bearish

Neutral

Bullish

Moving Averages

BearishNeutralBullish

Bearish

Neutral

Bullish

Overall

BearishNeutralBullish

Bearish

Neutral

Bullish

Peers

Symbol	Price	Market Cap	P/E	P/B	Div Yield (%)	ROE (%)	ROCE (%)	ROA (%)
STARHFL	12.04	165 Cr	20.24	0.93	0.48	5.59	11.56	1.48
CORALFINAC	39.92	159 Cr	12.24	0.74	1.01	6.07	7.12	5.67
RHFL	3.02	148 Cr	—	0.00	0.00	7.65	25.35	1529.75
INDIAHOME	36.48	52 Cr	260.64	1.26	0.00	0.48	8.92	0.20
INDBNK	37.75	37 Cr	—	0.00	0.00	0.20	-1.26	-1.18
SAHARAHOUS	41.65	31 Cr	62.60	0.58	0.00	0.93	3.34	0.64
MANRAJH	47.90	24 Cr	—	0.00	0.00	70.85	-2.37	-2.35

Overview

Detailed Summary

The company has transitioned its name from Manoj Housing Finance Company Limited to India Home Loans Limited, indicating a refreshed brand identity.

Operating under regulatory oversight of the National Housing Bank, the company aligns with India's goals for increasing affordable housing availability.

As a niche player in home finance, the company's strategy focuses on capturing demand in the lower-income segment of the housing market.

The merger with the Reserve Bank of India positions the company under robust regulatory frameworks, enhancing operational stability and credibility.

Sector

Finance

Industry

Finance - Housing - Medium / Small

Market Cap

52 Cr

Volatility

Low Risk

P/E Ratio

260.6

Industry P/E

16.8

PEG Ratio

2.4

P/B Ratio

1.3

52W High

47.54

52W Low

27.00

Sales CAGR

13.14%

-23.22%

-15.91%

10Y

14.09%

Profit CAGR

107.85%

-47.78%

-37.26%

10Y

-11.98%

ROE

TTM

0.48%

-2.02%

0.22%

10Y

2.70%

ROCE

TTM

8.92%

8.61%

9.96%

10Y

10.02%