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Star Housing Finance Limited is an affordable housing finance company focused on EWS/LIG/MIG home loans, operating from a Mumbai corporate office with 35+ points of presence across six states; as of Dec 31, 2025 AUM stood at Rs.569.86 crore with 5,500+ live accounts and an average loan size around Rs.10 lakh.
The company has undergone a clear professionalisation since 2019: migration from BSE SME to Main Board, relocation of corporate office to Mumbai, expansion to a 250+ employee base, induction of ex‑NHB/LIC/IDBI professionals on the board and cumulative net worth strengthening to ~Rs.147 crore through capital infusion and PAT accretion.
Asset quality shows resilience for a fast‑growing affordable housing lender: GNPA at 1.84% and NNPA at 1.49% as of Dec 31, 2025, with management stating provisions and write‑offs provide full coverage on GNPA. Historical GNPA improved from near 3% in FY21-22 to current levels, indicating underwriting stability during scale‑up.
Funding and profitability metrics reflect growth phase dynamics: borrowings increased to ~Rs.400 crore with a diversified lender base including NHB and SBI, net interest income at Rs.31.25 crore for 9M FY25‑26 and PBT of Rs.4.84 crore for 9M FY25‑26; margin and finance cost pressures are evident as finance cost rose year‑on‑year.
Concentration and product mix remain notable: retail lending accounts for 99% of portfolio, 95% of loans are up to Rs.25 lakh and Maharashtra constitutes 70% of AUM; while this focus supports deep expertise in target segments, it represents regional concentration risk that management needs to mitigate as scale continues.
Finance
Housing Finance Company
69 Cr
Low Risk
10.3
18.9
0.1
0.5
38.04
3.67
Sales CAGR
Profit CAGR
ROE
ROCE
Discovery themes featuring this stockStar Housing Finance Ltd (STARHFL) is currently trading at 8.69 per share. Stock prices fluctuate during market hours on NSE and BSE based on demand, company updates, and overall market conditions. Refer to the live price chart above for the most recent price movement.
Star Housing Finance Limited is an affordable housing finance company focused on EWS/LIG/MIG home loans, operating from a Mumbai corporate office with 35+ points of presence across six states; as of Dec 31, 2025 AUM stood at Rs.569.86 crore with 5,500+ live accounts and an average loan size around Rs.10 lakh. The company has undergone a clear professionalisation since 2019: migration from BSE SME to Main Board, relocation of corporate office to Mumbai, expansion to a 250+ employee base, induction of ex‑NHB/LIC/IDBI professionals on the board and cumulative net worth strengthening to ~Rs.147 crore through capital infusion and PAT accretion. Asset quality shows resilience for a fast‑growing affordable housing lender: GNPA at 1.84% and NNPA at 1.49% as of Dec 31, 2025, with management stating provisions and write‑offs provide full coverage on GNPA. Historical GNPA improved from near 3% in FY21-22 to current levels, indicating underwriting stability during scale‑up. Funding and profitability metrics reflect growth phase dynamics: borrowings increased to ~Rs.400 crore with a diversified lender base including NHB and SBI, net interest income at Rs.31.25 crore for 9M FY25‑26 and PBT of Rs.4.84 crore for 9M FY25‑26; margin and finance cost pressures are evident as finance cost rose year‑on‑year. Concentration and product mix remain notable: retail lending accounts for 99% of portfolio, 95% of loans are up to Rs.25 lakh and Maharashtra constitutes 70% of AUM; while this focus supports deep expertise in target segments, it represents regional concentration risk that management needs to mitigate as scale continues.
Over the past 52 weeks, Star Housing Finance Ltd has traded between a low of ₹3.67 and a high of ₹38.04. The 52-week high and low indicate the stock’s price range over the last year and help investors understand its volatility and recent trading levels.
Star Housing Finance Ltd has a market capitalization of approximately 68.62. Market capitalization represents the total value of a company’s outstanding shares and helps investors understand its size, stability, and relative risk compared to other listed companies.
Star Housing Finance Ltd’s investment profile depends on its business fundamentals, valuation, and long-term outlook. The stock currently trades at a PE ratio of 10.33 and operates in the its sector sector. Investors typically assess financial performance, growth prospects, and individual risk tolerance before making investment decisions.
Based on its market capitalization of 68.62 Cr, Star Housing Finance Ltd is classified as a Small Cap stock. Large-cap stocks are generally more stable, while mid-cap and small-cap stocks tend to offer higher growth potential along with higher price volatility.
Star Housing Finance Ltd operates in the its sector sector. Sector classification matters because companies in the same sector are often affected by similar economic conditions, regulatory changes, and competitive dynamics, which can influence overall stock performance.
The Price-to-Earnings (PE) ratio of Star Housing Finance Ltd is 10.33. The PE ratio compares a company’s share price to its earnings and is commonly used to assess valuation. Comparing the PE ratio with sector peers and historical levels provides better context.
The board met to discuss and formulate a response to a critical snap audit report received from the National Housing Bank (NHB), the sector's primary regulator.
CARE Ratings downgraded the outlook primarily due to the company's persistent inability to raise substantial equity capital, which has constrained its operational growth, scalability, and put pressure on its financial metrics.
The downgrade was primarily due to the company's significant difficulties in raising equity capital, which has slowed down its operational growth and loan disbursements.
| Symbol | Watchlist | Price | Market Cap | P/E | P/B | Div Yield (%) | ROE (%) | ROCE (%) | ROA (%) |
2.33 | 98 Cr | 4.03 | 0.00 | 0.00 | 7.65 | 25.35 | 1529.75 | ||
8.30 | 69 Cr | 10.33 | 0.47 | 1.15 | 5.59 | 11.56 | 1.20 | ||
40.99 | 50 Cr | -556.11 | 0.00 | 0.00 | 0.07 | -0.46 | -0.46 | ||
32.74 | 44 Cr | 340.31 | 1.07 | 0.00 | 0.48 | 8.92 | 0.13 | ||
41.00 | 29 Cr | 61.06 | 0.55 | 0.00 | 0.93 | 3.34 | 0.61 | ||
34.08 | 19 Cr | -39.62 | 0.00 | 0.00 | 67.24 | -2.42 | -2.41 | ||
— | 0 Cr | 0.04 | 0.00 | 0.00 | 3.34 | 4.20 | 2.78 | ||
| Median: 7 Co. | — | 33.41 | 44 Cr | 4.03 | 0.00 | 0.00 | 3.34 | 4.20 | 0.61 |
Audit review update
Star Housing Finance shortlisted Parikh & Associates for an external audit of the NHB Snap Audit report, but the board has put the appointment on hold; matter remains at suspicion stage and irregularities are unsubstantiated.
Audit appointment update
Star Housing Finance says it shortlisted Parikh & Associates for an external audit of the NHB snap-audit report but the appointment is currently on hold; review remains at suspicion stage and no irregularities have been substantiated.
Forensic audit
National Housing Bank will commence a forensic and transactional audit of Star Housing Finance from April 30, 2026, appointing M/s. Ravi Rajan & Co. LLP (Partner Sachien Agrrawal) to conduct the audit.
Put-Option Notice
Star Housing Finance missed payment under a put option on NCDs (ISIN INE526R07017) due 27 Apr 2026; the company has requested a 14-working-day extension pending a new investor infusion and the debenture trustee has convened a holders' meeting on 22 May 2026 to consider enforcement of security and signing an Inter-Creditor Agreement.
Put option notice
Star Housing Finance received a put notice for INR 20 crore NCDs (ISIN INE526R07017) with payment due 27‑Apr‑2026; the company sought a 14 working‑day extension while onboarding a prospective investor and the trustee convened a holders' meeting on 22‑May‑2026 to consider enforcement/ICA.
