India Home Loans
BSE: INDIAHOME · Housing Finance Company
Limited coverage
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Snapshot
Unlock India Home Loans's vital signs
Growth · Profitability · Valuation · Strength · Conviction
Company Overview
Business
India Home Loans Limited is a Mumbai-based non-banking financial company specialising in the affordable housing segment. It provides home loans and loans against property, primarily targeting lower and middle-income groups in semi-urban and urban areas.
Business Model
The company generates revenue through interest income on home loans and loans against property. It employs a personalised underwriting process to serve self-employed individuals and informal income categories who often lack access to traditional banking credit.
Growth Outlook
Growth is driven by the increasing demand for affordable housing in Western India and the company's focus on financial inclusion for credit-starved segments. The firm continues to expand its local branch network to facilitate loan origination.
Key Risks
- Credit Risk. The focus on informal income categories and self-employed borrowers increases the probability of loan defaults and non-performing assets.
- Interest Rate Risk. Fluctuations in interest rates can impact the company's net interest margins and the affordability of loans for its target customer base.
- Geographic Concentration. The company's heavy reliance on Maharashtra and Gujarat makes it vulnerable to regional economic downturns or local real estate market volatility.
- Regulatory Risk. As a non-banking financial company, it is subject to evolving regulations from the National Housing Bank which could impact operational costs and lending norms.
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Key Metrics
REVENUE
₹15 Cr
TTM · standalone
NET PROFIT
₹0.09 Cr
TTM · standalone
EPS
₹0.10
TTM · standalone
RETURN ON EQUITY
0.2%
TTM · standalone
P/E
311.2x
Q4 FY26 · standalone
EBITDA MARGIN
51.9%
TTM · standalone
NET PROFIT MARGIN
0.0%
Q4 FY26 · standalone
Peers · Housing Finance Company
| Company | Mkt Cap | P/E | EV/EBITDA | Rev Gr YoY | EBITDA Mgn | ROE | ROCE | 1Y Return |
|---|---|---|---|---|---|---|---|---|
India Home LoansINDIAHOME | ₹45 Cr | 314.90 | — | 8.2% | 51.9% | 0.2% | 11.8% | -12.5% |
Aavas Financiers Ltd.AAVAS | ₹10,113 Cr | 14.71 | — | 13.3% | 73.9% | 14.6% | — | -16.1% |
India Shelter Finance Corporation LimitedINDIASHLTR | ₹7,069 Cr | 13.34 | — | 25.7% | 72.3% | 17.9% | — | -31.0% |
Repco Home Finance LimitedREPCOHOME | ₹2,287 Cr | 4.74 | — | 6.2% | 88.7% | 12.9% | 10.3% | +5.4% |
GIC Housing Finance LimitedGICHSGFIN | ₹759 Cr | 4.82 | — | 1.2% | 82.7% | 7.7% | 8.6% | -18.1% |
SRG Housing Finance LimitedSRGHFL | ₹400 Cr | 11.71 | — | 31.3% | 63.4% | 12.2% | 20.5% | -18.7% |
As of Q4 FY26
Financials
India Home Loans
BSE: INDIAHOME · Housing Finance Company
Limited coverage
We are not actively covering this company or have limited coverage today. Click to request coverage.
Snapshot
Unlock India Home Loans's vital signs
Growth · Profitability · Valuation · Strength · Conviction
Company Overview
Business
India Home Loans Limited is a Mumbai-based non-banking financial company specialising in the affordable housing segment. It provides home loans and loans against property, primarily targeting lower and middle-income groups in semi-urban and urban areas.
Business Model
The company generates revenue through interest income on home loans and loans against property. It employs a personalised underwriting process to serve self-employed individuals and informal income categories who often lack access to traditional banking credit.
Growth Outlook
Growth is driven by the increasing demand for affordable housing in Western India and the company's focus on financial inclusion for credit-starved segments. The firm continues to expand its local branch network to facilitate loan origination.
Key Risks
- Credit Risk. The focus on informal income categories and self-employed borrowers increases the probability of loan defaults and non-performing assets.
- Interest Rate Risk. Fluctuations in interest rates can impact the company's net interest margins and the affordability of loans for its target customer base.
- Geographic Concentration. The company's heavy reliance on Maharashtra and Gujarat makes it vulnerable to regional economic downturns or local real estate market volatility.
- Regulatory Risk. As a non-banking financial company, it is subject to evolving regulations from the National Housing Bank which could impact operational costs and lending norms.
Start your research today
Unlock AI insights, financials, peers and live data on India Home Loans and 5,000+ companies — free.
Key Metrics
REVENUE
₹15 Cr
TTM · standalone
NET PROFIT
₹0.09 Cr
TTM · standalone
EPS
₹0.10
TTM · standalone
RETURN ON EQUITY
0.2%
TTM · standalone
P/E
311.2x
Q4 FY26 · standalone
EBITDA MARGIN
51.9%
TTM · standalone
NET PROFIT MARGIN
0.0%
Q4 FY26 · standalone
Peers · Housing Finance Company
As of Q4 FY26