Sahara Housing Fina Corporation Ltd

SAHARAHOUS

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Market Cap

₹ 31 Cr

P/E

62.60

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Investment Checklist

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Performance

UNDER PERFORMER

Valuation

REASONABLE

Growth

SLUGGISH

Profitability

MODERATE MARGIN

Technicals

Bearish

Risk

HIGH RISK

Investment Checklist

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Price

PE Ratio

Price

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Overview

Detailed Summary

Sahara Housingfina Corporation Limited is a housing finance company, established in 1991, focused on providing housing loans to individuals and families.

The company caters to a wide clientele by offering attractive home loan schemes, including products designed for self-employed individuals lacking formal income proofs.

Sahara Housingfina is part of the Sahara India Pariwar group and regulated by RBI and supervised by the National Housing Bank, indicating compliance with stringent financial norms.

The company operates in major Indian regions, boosting its reach with branches in cities like Kolkata, Hyderabad, and Mumbai.

Sahara Housingfina aims to expand its business by increasing the number of outlets, fulfilling the growing demand for housing finance in India.

Sector

Finance

Industry

Finance - Housing - Medium / Small

Market Cap

31 Cr

Volatility

Low Risk

P/E Ratio

62.6

Industry P/E

16.8

PEG Ratio

—

P/B Ratio

0.6

52W High

64.82

52W Low

32.76

Sales CAGR

-18.91%

-11.44%

-7.77%

10Y

-4.29%

Profit CAGR

-53.57%

-28.65%

-20.77%

10Y

-11.18%

ROE

TTM

0.93%

2.25%

2.94%

10Y

4.15%

ROCE

TTM

3.34%

5.75%

6.21%

10Y

6.59%

Technicals

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Forecasts

Peers

Symbol	Price	Market Cap	P/E	P/B	Div Yield (%)	ROE (%)	ROCE (%)	ROA (%)
STARHFL	11.74	165 Cr	20.24	0.93	0.48	5.59	11.56	1.48
CORALFINAC	39.53	159 Cr	12.24	0.74	1.01	6.07	7.12	5.67
RHFL	3.03	148 Cr	—	0.00	0.00	7.65	25.35	1529.75
INDIAHOME	36.98	52 Cr	260.64	1.26	0.00	0.48	8.92	0.20
INDBNK	37.27	37 Cr	—	0.00	0.00	0.20	-1.26	-1.18
SAHARAHOUS	43.82	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	2.72	2.72	2.47	2.70	2.28	2.11	2.08	2.14	1.75	1.82
Expenses	1.18	1.21	1.10	1.16	1.09	1.18	1.28	1.21	1.01	1.39
Interest	0.94	0.95	0.90	0.88	0.86	0.66	0.59	0.57	0.40	0.41
Financing Profit	0.60	0.56	0.47	0.66	0.33	0.27	0.21	0.36	0.34	0.02
Financing Margin %	22.06	20.59	19.03	24.44	14.47	12.80	10.10	16.82	19.43	1.10
Other Income	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.01	0.00	0.00
Depreciation	0.12	0.12	0.12	0.10	0.09	0.09	0.10	0.10	0.09	0.08
Profit Before Tax	0.48	0.45	0.35	0.57	0.24	0.18	0.11	0.27	0.25	-0.05
Tax %	22.92	20.00	37.14	21.05	4.17	44.44	0.00	25.93	16.00	40.00
Net Profit	0.38	0.36	0.22	0.45	0.23	0.10	0.11	0.20	0.21	-0.03
EPS in Rs	0.54	0.52	0.32	0.64	0.33	0.15	0.16	0.29	0.30	-0.04
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 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	TTM
Revenue	12	13	13	13	13	12	11	11	8.61	8.08
Expenses	5.33	5.45	4.76	5.01	5.17	5.12	4.11	4.66	4.78	4.68
Interest	5.27	5.06	7.69	6.21	5.15	4.88	4.52	3.67	2.67	2.22
Financing Profit	1.73	2.06	0.98	1.69	2.38	2.40	2.56	2.28	1.17	1.18
Financing Margin %	14.01	16.39	7.33	13.05	18.76	19.35	22.91	21.49	13.58	14.60
Other Income	1.27	1.07	2.92	1.65	0.71	0.27	0.01	0.01	0.01	NaN
Depreciation	0.05	0.06	0.51	0.55	0.52	0.49	0.49	0.44	0.38	0.38
Profit Before Tax	2.95	3.07	3.39	2.79	2.58	2.18	2.09	1.85	0.80	0.81
Tax %	302.59	617.64	433.69	393.28	532.87	551.53	311.03	415.62	526.86	23.46
Net Profit	1.98	2.57	2.61	2.08	2.09	1.78	1.42	1.40	0.65	0.62
EPS in Rs	2.82	3.68	3.72	2.97	2.99	2.55	2.02	2.02	0.93	0.71
Dividend Payout %	—	—	—	—	—	—	—	—	—	—

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	7.00	7.00	7.00	7.00	7.00	7.00	7.00	7.00	7.00	7.00
Reserves	27	29	31	36	38	40	42	43	45	45
Borrowings	107	104	97	88	74	63	60	49	45	22
Other Liabilities	3.97	4.14	2.96	11	5.11	2.40	2.09	1.46	1.08	0.93
Total Liabilities	144	143	138	142	124	112	111	101	98	76
Fixed Assets	0.54	0.50	1.02	2.20	2.18	1.96	1.65	1.40	1.04	0.92
CWIP	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Investments	0.00	0.00	0.00	0.02	0.01	0.02	0.02	0.03	0.03	0.03
Other Assets	144	143	137	140	121	110	109	99	97	75
Total Assets	144	143	138	142	124	112	111	101	98	76

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	13	1.47	-2.17	-6.07	30	6.86	3.10	10	3.83	24
Cash from Investing Activity	3.15	-0.64	13	-0.13	-0.00	-0.01	-0.14	-0.28	-0.09	-0.26
Cash from Financing Activity	-18	-3.09	-7.00	-0.44	-24	-10	-4.10	-11	-4.15	-23
Net Cash Flow	-2.15	-2.26	3.68	-6.64	5.49	-3.63	-1.14	-0.98	-0.40	0.57

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	71.35%	71.35%	71.35%	71.35%	71.35%	71.35%	71.35%	71.35%	71.35%	71.35%	71.35%	71.35%
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	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Public	28.65%	28.65%	28.65%	28.65%	28.65%	28.65%	28.65%	28.65%	28.65%	28.65%	28.65%	28.65%
Total Shareholders	6,005	5,955	5,874	6,074	6,090	6,101	6,410	6,708	6,753	6,690	6,623	6,628

Projection

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Bearish

Neutral

Bullish

Overall

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Bearish

Neutral

Bullish

Moving Averages

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Financial Statements

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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

	Jun 2023	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025
Revenue	2.72	2.72	2.47	2.70	2.28	2.11	2.08	2.14	1.75	1.82
Expenses	1.18	1.21	1.10	1.16	1.09	1.18	1.28	1.21	1.01	1.39
Interest	0.94	0.95	0.90	0.88	0.86	0.66	0.59	0.57	0.40	0.41
Financing Profit	0.60	0.56	0.47	0.66	0.33	0.27	0.21	0.36	0.34	0.02
Financing Margin %	22.06	20.59	19.03	24.44	14.47	12.80	10.10	16.82	19.43	1.10
Other Income	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.01	0.00	0.00
Depreciation	0.12	0.12	0.12	0.10	0.09	0.09	0.10	0.10	0.09	0.08
Profit Before Tax	0.48	0.45	0.35	0.57	0.24	0.18	0.11	0.27	0.25	-0.05
Tax %	22.92	20.00	37.14	21.05	4.17	44.44	0.00	25.93	16.00	40.00
Net Profit	0.38	0.36	0.22	0.45	0.23	0.10	0.11	0.20	0.21	-0.03
EPS in Rs	0.54	0.52	0.32	0.64	0.33	0.15	0.16	0.29	0.30	-0.04
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 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	TTM
Revenue	12	13	13	13	13	12	11	11	8.61	8.08
Expenses	5.33	5.45	4.76	5.01	5.17	5.12	4.11	4.66	4.78	4.68
Interest	5.27	5.06	7.69	6.21	5.15	4.88	4.52	3.67	2.67	2.22
Financing Profit	1.73	2.06	0.98	1.69	2.38	2.40	2.56	2.28	1.17	1.18
Financing Margin %	14.01	16.39	7.33	13.05	18.76	19.35	22.91	21.49	13.58	14.60
Other Income	1.27	1.07	2.92	1.65	0.71	0.27	0.01	0.01	0.01	NaN
Depreciation	0.05	0.06	0.51	0.55	0.52	0.49	0.49	0.44	0.38	0.38
Profit Before Tax	2.95	3.07	3.39	2.79	2.58	2.18	2.09	1.85	0.80	0.81
Tax %	302.59	617.64	433.69	393.28	532.87	551.53	311.03	415.62	526.86	23.46
Net Profit	1.98	2.57	2.61	2.08	2.09	1.78	1.42	1.40	0.65	0.62
EPS in Rs	2.82	3.68	3.72	2.97	2.99	2.55	2.02	2.02	0.93	0.71
Dividend Payout %	—	—	—	—	—	—	—	—	—	—

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	7.00	7.00	7.00	7.00	7.00	7.00	7.00	7.00	7.00	7.00
Reserves	27	29	31	36	38	40	42	43	45	45
Borrowings	107	104	97	88	74	63	60	49	45	22
Other Liabilities	3.97	4.14	2.96	11	5.11	2.40	2.09	1.46	1.08	0.93
Total Liabilities	144	143	138	142	124	112	111	101	98	76
Fixed Assets	0.54	0.50	1.02	2.20	2.18	1.96	1.65	1.40	1.04	0.92
CWIP	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Investments	0.00	0.00	0.00	0.02	0.01	0.02	0.02	0.03	0.03	0.03
Other Assets	144	143	137	140	121	110	109	99	97	75
Total Assets	144	143	138	142	124	112	111	101	98	76

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	13	1.47	-2.17	-6.07	30	6.86	3.10	10	3.83	24
Cash from Investing Activity	3.15	-0.64	13	-0.13	-0.00	-0.01	-0.14	-0.28	-0.09	-0.26
Cash from Financing Activity	-18	-3.09	-7.00	-0.44	-24	-10	-4.10	-11	-4.15	-23
Net Cash Flow	-2.15	-2.26	3.68	-6.64	5.49	-3.63	-1.14	-0.98	-0.40	0.57

Peers

Symbol	Price	Market Cap	P/E	P/B	Div Yield (%)	ROE (%)	ROCE (%)	ROA (%)
STARHFL	11.74	165 Cr	20.24	0.93	0.48	5.59	11.56	1.48
CORALFINAC	39.53	159 Cr	12.24	0.74	1.01	6.07	7.12	5.67
RHFL	3.03	148 Cr	—	0.00	0.00	7.65	25.35	1529.75
INDIAHOME	36.98	52 Cr	260.64	1.26	0.00	0.48	8.92	0.20
INDBNK	37.27	37 Cr	—	0.00	0.00	0.20	-1.26	-1.18
SAHARAHOUS	43.82	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

Sahara Housingfina Corporation Limited is a housing finance company, established in 1991, focused on providing housing loans to individuals and families.

The company caters to a wide clientele by offering attractive home loan schemes, including products designed for self-employed individuals lacking formal income proofs.

Sahara Housingfina is part of the Sahara India Pariwar group and regulated by RBI and supervised by the National Housing Bank, indicating compliance with stringent financial norms.

The company operates in major Indian regions, boosting its reach with branches in cities like Kolkata, Hyderabad, and Mumbai.

Sahara Housingfina aims to expand its business by increasing the number of outlets, fulfilling the growing demand for housing finance in India.

Sector

Finance

Industry

Finance - Housing - Medium / Small

Market Cap

31 Cr

Volatility

Low Risk

P/E Ratio

62.6

Industry P/E

16.8

PEG Ratio

—

P/B Ratio

0.6

52W High

64.82

52W Low

32.76

Sales CAGR

-18.91%

-11.44%

-7.77%

10Y

-4.29%

Profit CAGR

-53.57%

-28.65%

-20.77%

10Y

-11.18%

ROE

TTM

0.93%

2.25%

2.94%

10Y

4.15%

ROCE

TTM

3.34%

5.75%

6.21%

10Y

6.59%