Reliance Home Finance Ltd

RHFL

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Market Cap

₹ 148 Cr

P/E

—

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Performance

UNDER PERFORMER

Valuation

REASONABLE

Growth

STABLE

Profitability

HIGH MARGIN

Technicals

Bearish

Risk

MODERATE RISK

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Price

PE Ratio

Price

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Overview

Detailed Summary

Reliance Home Finance Limited (RHFL) is a housing finance company providing a range of home loans, loans against property, and construction finance. Initially a subsidiary of Reliance Capital Limited (RCap), RHFL operates under a different corporate relationship since 2020.

The company's asset under management (AUM) showed fluctuating growth, peaking at Rs 18868 crore in FY2019 before declining to Rs 14713 crore in FY2020, highlighting unstable growth.

Networth was Rs 1799.93 crore in FY2019 but fell to Rs 1444.58 crore by the end of FY2020, reflecting financial challenges.

Recently, RHFL's association with Reliance Capital Limited changed as RCap, under Corporate Insolvency Resolution Process, reduced its holdings in RHFL, influencing its corporate positioning significantly.

Sector

Finance

Industry

Finance - Housing - Medium / Small

Market Cap

148 Cr

Volatility

High Risk

P/E Ratio

—

Industry P/E

16.8

PEG Ratio

—

P/B Ratio

—

52W High

7.84

52W Low

2.84

Sales CAGR

33.39%

-37.79%

-25.11%

10Y

-1.22%

Profit CAGR

199.61%

—

100.48%

10Y

70.98%

ROE

TTM

7.65%

27.42%

80.02%

10Y

-57.91%

ROCE

TTM

25.35%

6.52%

6.86%

10Y

8.38%

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

	Dec 2022	Mar 2023	Jun 2023	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025
Revenue	141	76	0.12	0.16	0.16	0.18	0.18	0.02	0.02	0.00
Expenses	16	-9,060	-6.05	0.83	2.72	5.48	0.27	0.41	2.24	0.53
Interest	267	-759	0.00	0.00	0.00	1.45	0.34	0.29	0.11	0.16
Financing Profit	-142	9,894	6.17	-0.67	-2.56	-6.75	-0.43	-0.68	-2.33	-0.69
Financing Margin %	-100.95	13,105.15	5,141.67	-418.75	-1,600.00	-3,750.00	-238.89	-3,400.00	-11,650.00	—
Other Income	-0.05	-274	0.26	0.00	0.00	0.00	0.00	28	0.34	0.00
Depreciation	21	0.48	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Profit Before Tax	-163	9,620	6.43	-0.66	-2.56	-6.75	-0.44	27	-1.98	-0.69
Tax %	-52.52	37.92	0.00	0.00	0.00	0.00	0.00	0.00	3.54	0.00
Net Profit	-249	5,972	6.43	-0.66	-2.56	-6.75	-0.44	27	-1.92	-0.69
EPS in Rs	-5.14	123.14	0.13	-0.01	-0.05	-0.14	-0.01	0.56	-0.04	-0.01
Gross NPA %	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Net NPA %	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00

Standalone Profit Loss (in ₹ Crores)

Total Figures

YoY Changes

Total Figures

	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	TTM
Revenue	508	804	1,073	1,623	1,986	1,587	803	291	382	0.22
Expenses	90	142	251	373	575	831	1,921	6,803	-8,933	3.45
Interest	317	536	749	1,061	1,322	1,336	1,220	1,185	31	0.90
Financing Profit	102	127	73	188	88	-579	-2,337	-7,697	9,284	-4.13
Financing Margin %	19.99	15.74	6.84	11.61	4.45	-36.49	-290.99	-2,647.97	2,429.23	-1,877.27
Other Income	12	19	71	61	17	16	37	2.82	9.20	NaN
Depreciation	0.03	0.72	7.06	2.08	3.38	3.62	2.64	212	1.96	0.00
Profit Before Tax	106	137	138	247	102	-567	-2,303	-7,906	9,014	24
Tax %	287.44	273.67	-396.09	310.21	297.25	295.52	294.12	320.51	250.72	-0.25
Net Profit	69	87	173	167	67	-375	-1,520	-5,440	5,419	24
EPS in Rs	—	—	—	7.14	1.44	-7.70	-31.34	-112.16	111.73	0.50
Dividend Payout %	—	—	4,090.00	516.00	—	—	—	—	—	—

Standalone Balance Sheet (in ₹ Crores)

Total Figures

YoY Changes

Total Figures

	Mar 2014	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023
Equity Capital	66	66	66	116	485	485	485	485	485	485
Reserves	398	468	554	1,014	1,339	1,357	982	-538	-5,977	-559
Borrowings	2,377	3,639	5,387	8,281	13,136	15,699	13,235	12,976	12,714	87
Other Liabilities	904	1,385	1,686	1,936	447	585	1,027	1,975	2,922	22
Total Liabilities	3,745	5,557	7,694	11,347	15,408	18,125	15,729	14,898	10,144	35
Fixed Assets	0.09	39	44	68	260	261	257	255	43	0.00
CWIP	0.00	0.00	0.00	0.00	1.94	0.16	0.53	0.00	0.07	0.00
Investments	0.00	0.00	0.00	0.00	54	93	951	1,007	161	0.00
Other Assets	3,745	5,518	7,649	11,279	15,092	17,770	14,521	13,636	9,940	35
Total Assets	3,745	5,557	7,694	11,347	15,408	18,125	15,729	14,898	10,144	35

Standalone Cash Flows (in ₹ Crores)

Total Figures

YoY Changes

Total Figures

	Mar 2014	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023
Cash from Operating Activity	412	-179	433	-3,296	-3,507	-1,189	4,713	3,068	-597	4,103
Cash from Investing Activity	-282	293	-72	-355	496	-55	-856	-1,560	848	-105
Cash from Financing Activity	0.00	0.00	0.00	3,227	2,818	1,291	-3,927	-1,374	-367	-4,035
Net Cash Flow	130	114	362	-425	-194	47	-70	135	-116	-37

Shareholdings

Shareholding History

Quarterly

Yearly

Quarterly

	Jun 2022	Sep 2022	Dec 2022	Mar 2023	Jun 2023	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025
Promoters	48.78%	48.64%	48.64%	48.64%	43.61%	0.74%	0.74%	0.74%	0.74%	0.74%	0.74%	0.74%
FIIs	2.19%	2.19%	2.19%	2.19%	0.39%	0.39%	0.39%	0.39%	0.00%	0.00%	0.00%	0.00%
DIIs	1.57%	1.59%	1.57%	1.57%	1.57%	1.57%	1.57%	1.57%	1.57%	1.57%	1.56%	1.56%
Public	47.46%	47.58%	47.60%	47.60%	54.44%	97.31%	97.31%	97.31%	97.70%	97.70%	97.70%	97.70%
Total Shareholders	8,52,814	8,60,494	8,54,262	8,52,451	8,54,351	8,82,115	9,04,907	9,50,122	9,60,349	9,60,349	10,06,312	10,06,312

Market Transactions

Date	Party	Category	Type	Avg Price (₹)	Total Value (₹)	Quantity	Percent Traded
Jun 03, 2025	Meher enterprises	Bulk	Sell	5.60	2.97 Cr	52,99,000	1.09
May 30, 2025	Devi traders llp	Bulk	Sell	5.03	1.34 Cr	26,63,707	0.54
May 30, 2025	Ishaan tradefin llp	Bulk	Sell	5.01	1.35 Cr	27,00,326	0.55
May 30, 2025	Devi traders llp	Bulk	Buy	5.03	1.49 Cr	29,56,595	0.60
May 30, 2025	Ishaan tradefin llp	Bulk	Buy	4.93	1.11 Cr	22,50,326	0.46
May 30, 2025	Brescon ventures private limited	Bulk	Buy	4.99	1.25 Cr	25,00,000	0.51
Dec 05, 2024	Ramachandra reddy suma	Bulk	Sell	2.71	1.05 Cr	38,92,872	0.80
Sep 30, 2024	Multiplier share & stock advi...	Bulk	Sell	5.83	0.58 Cr	10,00,000	0.20
Sep 30, 2024	Multiplier share & stock advi...	Bulk	Buy	5.28	2.64 Cr	50,00,000	1.03
Sep 26, 2024	Multiplier share & stock advi...	Bulk	Sell	5.27	3.95 Cr	75,00,000	1.54

Projection

Actions

Action Type

‌
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Announcements

Last 7 days

Newest

Sentiment

Regulatory Filing

6 days ago

CIRP Update for Reliance Home Finance Limited

Reliance Home Finance Limited's Resolution Professional clarifies no communication from CBI regarding ongoing investigations amidst Corporate Insolvency Resolution Process.

Documents

Presentations

Concalls

Reports

Presentations

Investor Presentation

Q3 FY19

Investor Presentation

Q2 FY19

Investor Presentation

Q4 FY18

Investor Presentation

Q3 FY18

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Oscillators

BearishNeutralBullish

Neutral

Bearish

Neutral

Bullish

Overall

BearishNeutralBullish

Bearish

Neutral

Bullish

Moving Averages

BearishNeutralBullish

Bearish

Neutral

Bullish

Overall

BearishNeutralBullish

Bearish

Neutral

Bullish

Financial Statements

AI Powered Summary

Discover detailed, AI-driven financial summaries that break down key metrics, trends, and insights—empowering you to make smarter investment decisions.

AI Mode

Standalone Quarterly Results (in ₹ Crores)

Total Figures

QoQ Changes

Total Figures

	Dec 2022	Mar 2023	Jun 2023	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025
Revenue	141	76	0.12	0.16	0.16	0.18	0.18	0.02	0.02	0.00
Expenses	16	-9,060	-6.05	0.83	2.72	5.48	0.27	0.41	2.24	0.53
Interest	267	-759	0.00	0.00	0.00	1.45	0.34	0.29	0.11	0.16
Financing Profit	-142	9,894	6.17	-0.67	-2.56	-6.75	-0.43	-0.68	-2.33	-0.69
Financing Margin %	-100.95	13,105.15	5,141.67	-418.75	-1,600.00	-3,750.00	-238.89	-3,400.00	-11,650.00	—
Other Income	-0.05	-274	0.26	0.00	0.00	0.00	0.00	28	0.34	0.00
Depreciation	21	0.48	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Profit Before Tax	-163	9,620	6.43	-0.66	-2.56	-6.75	-0.44	27	-1.98	-0.69
Tax %	-52.52	37.92	0.00	0.00	0.00	0.00	0.00	0.00	3.54	0.00
Net Profit	-249	5,972	6.43	-0.66	-2.56	-6.75	-0.44	27	-1.92	-0.69
EPS in Rs	-5.14	123.14	0.13	-0.01	-0.05	-0.14	-0.01	0.56	-0.04	-0.01
Gross NPA %	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Net NPA %	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00

Standalone Profit Loss (in ₹ Crores)

Total Figures

YoY Changes

Total Figures

	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	TTM
Revenue	508	804	1,073	1,623	1,986	1,587	803	291	382	0.22
Expenses	90	142	251	373	575	831	1,921	6,803	-8,933	3.45
Interest	317	536	749	1,061	1,322	1,336	1,220	1,185	31	0.90
Financing Profit	102	127	73	188	88	-579	-2,337	-7,697	9,284	-4.13
Financing Margin %	19.99	15.74	6.84	11.61	4.45	-36.49	-290.99	-2,647.97	2,429.23	-1,877.27
Other Income	12	19	71	61	17	16	37	2.82	9.20	NaN
Depreciation	0.03	0.72	7.06	2.08	3.38	3.62	2.64	212	1.96	0.00
Profit Before Tax	106	137	138	247	102	-567	-2,303	-7,906	9,014	24
Tax %	287.44	273.67	-396.09	310.21	297.25	295.52	294.12	320.51	250.72	-0.25
Net Profit	69	87	173	167	67	-375	-1,520	-5,440	5,419	24
EPS in Rs	—	—	—	7.14	1.44	-7.70	-31.34	-112.16	111.73	0.50
Dividend Payout %	—	—	4,090.00	516.00	—	—	—	—	—	—

Standalone Balance Sheet (in ₹ Crores)

Total Figures

YoY Changes

Total Figures

	Mar 2014	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023
Equity Capital	66	66	66	116	485	485	485	485	485	485
Reserves	398	468	554	1,014	1,339	1,357	982	-538	-5,977	-559
Borrowings	2,377	3,639	5,387	8,281	13,136	15,699	13,235	12,976	12,714	87
Other Liabilities	904	1,385	1,686	1,936	447	585	1,027	1,975	2,922	22
Total Liabilities	3,745	5,557	7,694	11,347	15,408	18,125	15,729	14,898	10,144	35
Fixed Assets	0.09	39	44	68	260	261	257	255	43	0.00
CWIP	0.00	0.00	0.00	0.00	1.94	0.16	0.53	0.00	0.07	0.00
Investments	0.00	0.00	0.00	0.00	54	93	951	1,007	161	0.00
Other Assets	3,745	5,518	7,649	11,279	15,092	17,770	14,521	13,636	9,940	35
Total Assets	3,745	5,557	7,694	11,347	15,408	18,125	15,729	14,898	10,144	35

Standalone Cash Flows (in ₹ Crores)

Total Figures

YoY Changes

Total Figures

	Mar 2014	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023
Cash from Operating Activity	412	-179	433	-3,296	-3,507	-1,189	4,713	3,068	-597	4,103
Cash from Investing Activity	-282	293	-72	-355	496	-55	-856	-1,560	848	-105
Cash from Financing Activity	0.00	0.00	0.00	3,227	2,818	1,291	-3,927	-1,374	-367	-4,035
Net Cash Flow	130	114	362	-425	-194	47	-70	135	-116	-37

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's asset under management (AUM) showed fluctuating growth, peaking at Rs 18868 crore in FY2019 before declining to Rs 14713 crore in FY2020, highlighting unstable growth.

Networth was Rs 1799.93 crore in FY2019 but fell to Rs 1444.58 crore by the end of FY2020, reflecting financial challenges.

Sector

Finance

Industry

Finance - Housing - Medium / Small

Market Cap

148 Cr

Volatility

High Risk

P/E Ratio

—

Industry P/E

16.8

PEG Ratio

—

P/B Ratio

—

52W High

7.84

52W Low

2.84

Sales CAGR

33.39%

-37.79%

-25.11%

10Y

-1.22%

Profit CAGR

199.61%

—

100.48%

10Y

70.98%

ROE

TTM

7.65%

27.42%

80.02%

10Y

-57.91%

ROCE

TTM

25.35%

6.52%

6.86%

10Y

8.38%