Manraj Housing Finance Ltd.
BSE: MANRAJH · Housing Finance Company
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Snapshot
Unlock Manraj Housing Finance Ltd.'s vital signs
Growth · Profitability · Valuation · Strength · Conviction
Company Overview
Business
Manraj Housing Finance Limited is a non-banking financial company based in Maharashtra that provides long-term housing loans for the purchase, construction, and renovation of residential properties. The company focuses on serving middle and lower-income segments, particularly within semi-urban and rural regions.
Business Model
The company generates revenue primarily through interest income earned on mortgage loans extended to individuals and groups. It operates as a niche lender, targeting underserved populations in semi-urban and rural markets.
Growth Outlook
Growth is expected to be driven by increasing demand for formal credit in semi-urban and rural areas for residential development. The company continues to operate under the regulatory framework of the National Housing Bank to expand its lending footprint.
Key Risks
- Credit Risk. The company faces potential defaults from its target demographic of middle and lower-income borrowers who may have volatile income streams.
- Interest Rate Risk. Fluctuations in interest rates can impact the company's net interest margins and the affordability of loans for its customers.
- Regulatory Risk. As a housing finance company, it is subject to stringent oversight by the Reserve Bank of India and the National Housing Bank, which may impact operational flexibility.
- Geographic Concentration. The company's localized operations in Maharashtra expose it to regional economic downturns or localized real estate market fluctuations.
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Peers · Housing Finance Company
| Company | Mkt Cap | P/E | EV/EBITDA | Rev Gr YoY | EBITDA Mgn | ROE | ROCE | 1Y Return |
|---|---|---|---|---|---|---|---|---|
Manraj Housing Finance Ltd.MANRAJH | ₹17 Cr | — | — | — | — | — | — | — |
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 Mar 2026
Financials
Manraj Housing Finance Ltd.
BSE: MANRAJH · Housing Finance Company
Limited coverage
We are not actively covering this company or have limited coverage today. Click to request coverage.
Snapshot
Unlock Manraj Housing Finance Ltd.'s vital signs
Growth · Profitability · Valuation · Strength · Conviction
Company Overview
Business
Manraj Housing Finance Limited is a non-banking financial company based in Maharashtra that provides long-term housing loans for the purchase, construction, and renovation of residential properties. The company focuses on serving middle and lower-income segments, particularly within semi-urban and rural regions.
Business Model
The company generates revenue primarily through interest income earned on mortgage loans extended to individuals and groups. It operates as a niche lender, targeting underserved populations in semi-urban and rural markets.
Growth Outlook
Growth is expected to be driven by increasing demand for formal credit in semi-urban and rural areas for residential development. The company continues to operate under the regulatory framework of the National Housing Bank to expand its lending footprint.
Key Risks
- Credit Risk. The company faces potential defaults from its target demographic of middle and lower-income borrowers who may have volatile income streams.
- Interest Rate Risk. Fluctuations in interest rates can impact the company's net interest margins and the affordability of loans for its customers.
- Regulatory Risk. As a housing finance company, it is subject to stringent oversight by the Reserve Bank of India and the National Housing Bank, which may impact operational flexibility.
- Geographic Concentration. The company's localized operations in Maharashtra expose it to regional economic downturns or localized real estate market fluctuations.
Start your research today
Unlock AI insights, financials, peers and live data on Manraj Housing Finance Ltd. and 5,000+ companies — free.
Peers · Housing Finance Company
As of Mar 2026