Flash Finance

India Home Loan Ltd530979Bank / NBFC

Housing Finance Company Latest results: Jun 2026 14 quarters of data
₹31.37
MCap ₹45 Cr · P/E 315.2
India Home Loan Ltd — Stock analysis & AI research India Home Loan Ltd — Live exchange announcements
AI-assisted data: figures and text on this page are extracted from public quarterly filings with AI assistance, checked automatically and overseen by our editorial team (human in the loop). They may still contain errors or omissions. Verify critical numbers against official company / SEBI / NSE / BSE filings before making any decision. Educational information only, not financial advice.
₹2 Cr
Interest Earned · Jun 2026
-42.2% YoY
₹-0 Cr
Operating Profit · Jun 2026
₹0 Cr
Net Profit · Jun 2026
+521.0% YoY
₹0.04
EPS · Jun 2026
+300.0% YoY
—
Gross NPA % · Jun 2026
—
Net NPA % · Jun 2026

📝 India Home Loan Ltd — results explained

Quarter ended June 2026 (Q1 FY27)

India Home Loan Ltd reported total income of ₹2 crore for the quarter ended June 2026 (Q1 FY27), down 42.1% from ₹4 crore in the same quarter last year, and down 33.2% sequentially over the March 2026 quarter.

Of this, interest earned contributed ₹2 crore and other income ₹0 crore. Net interest income (interest earned minus interest expended of ₹1 crore) worked out to ₹1 crore.

Net profit rose 521.0% year-on-year to ₹0 crore, from ₹0 crore. Earnings per share (EPS) came in at ₹0.04.

Full year and trailing twelve months

For the full year FY26, India Home Loan Ltd posted total income of ₹15 crore, a growth of 8.1% over FY25, with a net profit of ₹0 crore (down 67.9% year-on-year).

On a trailing-twelve-month (TTM) basis, total income stands at ₹13 crore with a net profit of ₹0 crore.

Valuation snapshot

At the current price of ₹31.37, 530979 has a market capitalisation of ₹45 crore and a trailing P/E of about 315.2.

Within the Housing Finance Company industry, it is the 3rd-largest of the 5 companies we track by market value.

Shareholding pattern

As of Mar 2026, promoters held 26.92%, domestic institutional investors (DIIs) 0.07%, public shareholders 73.01% of India Home Loan Ltd.

Promoter holding rose from 26.76% to 26.92% over the latest period.

📈 Share price & events

📊 Quarterly trend

₹ crore

🎯 Key metrics

price-linked ratios use the latest close
Valuation
Market Cap ?
₹45 Cr
Current Price ?
₹31.4
P/E ?
315.25above ind
Industry P/E ?
55.50
P/B ?
1.08
P/S ?
3.45
P/FCF ?
11.01
Enterprise Value ?
N/A
EV/EBITDA ?
N/A
PEG ?
N/A
Earnings Yield ?
0.3%
Dividend Yield ?
0.00%
Profitability & Returns
Total Income (TTM) ?
₹13 Cr
OPM ?
N/A
Profit after tax (TTM) ?
₹0 Cr
EPS (TTM) ?
₹0.10
ROCE ?
N/A
ROE ?
0.3%
ROA ?
0.1%
Gross NPA % ?
N/A
Net NPA % ?
N/A
Growth
Total Income — latest qtr ?
₹2 Cr
PAT — latest qtr ?
₹0 Cr
YoY qtr sales growth ?
-42.1%
YoY qtr profit growth ?
521.0%
Sales growth (3y) ?
-13%
Sales growth (5y) ?
-14%
Profit growth (3y) ?
-45%
Profit growth (5y) ?
-38%
Financial Health
Debt ?
N/A
Debt to Equity ?
N/A
Interest Coverage ?
N/A
Current Ratio ?
N/A
Ownership
Promoter holding ?
26.92%
Change in promoter holding ?
-12.15%
Pledged percentage ?
N/A
Market
Return 3 months ?
-0.3%
Return 6 months ?
-8.5%

🗓️ Quarterly results (14 quarters · ₹ Cr)

same fiscal quarter as Jun bestweakest per row · for costs (interest, NPAs) low is best
Metric Mar 2023Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026 YoY % QoQ %
Interest Earned 64332333444342 -42.2% -33.2%
Other Income 00000000000000 — -64.0%
Total Income 64332333444342 -42.1% -33.2%
Interest Expended 33222222222221 -36.4% -31.6%
Operating Profit —————————————-0 — —
Provisions —————————————-0 — —
Profit Before Tax 0-00-1-2000000000 -29.0% +18.3%
Net Profit 0-00-1-2000000000 +521.0% —
EPS 0.00-0.190.06-0.81-1.480.070.040.060.030.010.050.010.000.04 +300.0% —
Gross NPA % 4.60% 4.78% 2.81% 3.32% 3.63% 3.55% 2.84% 2.90% 3.22% 3.34% 2.94% 2.71% 2.69% — — —
Net NPA % 4.22% 3.45% 2.01% 2.39% 2.61% 2.55% 2.04% 2.08% 2.31% 2.40% 2.11% 1.94% 1.93% — — —
Capital Adequacy Ratio — — — — — — — — — — — — — — — —

📆 Annual results (₹ Cr, FY = Apr–Mar)

Metric FY25 FY26 TTM YoY %
Interest Earned ₹14 Cr ₹15 Cr ₹13 Cr +8.8%
Other Income ₹0 Cr ₹0 Cr ₹0 Cr -88.9%
Total Income ₹14 Cr ₹15 Cr ₹13 Cr +8.1%
Interest Expended ₹8 Cr ₹7 Cr ₹7 Cr -5.2%
Net Interest Income ₹6 Cr ₹8 Cr ₹6 Cr +26.9%
Operating Profit — — ₹-0 Cr —
Provisions — — ₹-0 Cr —
Profit Before Tax ₹0 Cr ₹0 Cr ₹0 Cr -54.3%
Tax — — ₹-0 Cr —
Net Profit ₹0 Cr ₹0 Cr ₹0 Cr -67.9%
EPS ₹0.20 ₹0.07 ₹0.10 -65.0%

🏛️ Balance Sheet (latest 4 periods)

Metric Mar 2023Mar 2024Mar 2025Mar 2026 % Chg
Equity Capital 14.2814.2814.2814.28 +0.0%
Reserves 30.3326.9227.1627.17 +0.0%
Borrowing 91.0056.8649.6243.35 -12.6%
Other Liabilities 3.565.948.5612.50 +46.0%
Total Liabilities 139.17104.0099.6297.30 -2.3%
Fixed Assets 0.440.290.580.38 -34.5%
CWIP 0.000.000.000.00 —
Investments 0.000.000.000.00 —
Other Assets 138.73103.7199.0496.92 -2.1%
Total Assets 139.17104.0099.6297.30 -2.3%

💧 Cash Flow (latest 4 periods)

Metric Mar 2023Mar 2024Mar 2025Mar 2026 % Chg
Cash from Operating Activity 34.8230.9412.304.14 -66.3%
Cash from Investing Activity -0.323.24-4.641.51 +132.5%
Cash from Financing Activity -34.65-34.05-7.54-6.11 +19.0%
Net Cash Flow -0.150.130.11-0.46 -518.2%
Free Cash Flow 34.4830.9111.784.07 -65.4%
CFO/OP 256%494%153%54% -64.7%

➗ Ratios (latest 4 periods)

Metric Mar 2023Mar 2024Mar 2025Mar 2026 % Chg
ROE % 1.38%-7.97%0.61%0.24% -60.7%

👥 Shareholding (latest 4 periods)

Metric Jun 2025Sep 2025Dec 2025Mar 2026 % Chg
Promoters 39.07%26.66%26.76%26.92% +0.6%
DIIs 24.57%0.07%0.07%0.07% +0.0%
Public 36.36%73.27%73.16%73.01% -0.2%
No. of Shareholders 3,8223,7733,8123,804 -0.2%

⚖️ Peer comparison

Industry: Housing Finance Company · 5 companies · full page →
# Company CMP MCap (Cr) P/E Total Inc TTM NP TTM OPM% NPM% Inc YoY% NP YoY% Qtr Rev Δ% Qtr NP Δ%
1 523465 Ind Bank ₹64.44 50 10.4 — 4 — — — 70.0% — 68.5%
2 539017 539017 — 46 — 101 7 0.0% 6.6% -23.4% -67.0% 10.0% -76.0%
3 530979 India Home ₹33.43 45 345.3 13 0 -1.8% 1.1% 8.1% -67.9% -42.1% 521.0%
4 511533 Sahara Housingfina ₹42.12 27 98.0 7 0 30.6% 4.2% -17.1% -46.9% -5.4% -21.0%
5 530537 Manraj Housing ₹35.59 17 — — -0 — — — -238.2% — 88.0%
❓ Frequently asked questions
What was India Home Loan Ltd's total income in Q1 FY27?
India Home Loan Ltd reported total income of ₹2 crore for the quarter ended June 2026 (Q1 FY27), down 42.1% from ₹4 crore in the same quarter last year, and down 33.2% sequentially over the March 2026 quarter.
What was India Home Loan Ltd's net profit in Q1 FY27?
Net profit rose 521.0% year-on-year to ₹0 crore, from ₹0 crore. Earnings per share (EPS) came in at ₹0.04.
What is 530979's market capitalisation and P/E ratio?
At the current price of ₹31.37, 530979 has a market capitalisation of ₹45 crore and a trailing P/E of about 315.2.
Who owns India Home Loan Ltd? (shareholding pattern)
As of Mar 2026, promoters held 26.92%, domestic institutional investors (DIIs) 0.07%, public shareholders 73.01% of India Home Loan Ltd.
TTM ends 2026-06-30. Amounts are ₹ crore unless stated otherwise. Figures are extracted by AI from public quarterly filings; gaps are filled from public market data. Live price refreshed about twice a day from exchange data. Educational information only — not financial advice.
⚠️ How this site is made: Market data pages are computed automatically from NSE/BSE publications and company filings; news articles and announcement analyses are written with AI assistance, with a human in the loop: our editors review what the AI produces. Both can contain errors. Verify with the original sources before any investment decision. Not investment advice; Flash Finance is not SEBI-registered. How we use AI