India Home Loan Ltd Stock Analysis

BSE: 530979 | NSE: | Finance - Housing | Small Cap

BSE Share Price 29-Mar-2023 18:02
35.32 1.45 (4.28%)

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India Home Loan Price Chart

P/E Ratio ( SA) :
Market Cap :
50.4 Cr.
52-wk low :
52-wk high :
Bole Toh?

1. Is India Home Loan Ltd a good quality company?

Past 10 year’s financial track record analysis by Moneyworks4me indicates that India Home Loan Ltd is a below average quality company.

2. Is India Home Loan Ltd undervalued or overvalued?

The key valuation ratios of India Home Loan Ltd's currently when compared to its past seem to suggest it is in the Somewhat Undervalued zone.

3. Is India Home Loan Ltd a good buy now?

The Price Trend analysis by MoneyWorks4Me indicates it is Weak which suggest that the price of India Home Loan Ltd is likely to Fall in the short term. However, please check the rating on Quality and Valuation before investing.

10 Year X-Ray of India Home Loan:

Analysis of Financial Track Record

Data adjusted to bonus, split, extra-ordinary income, rights issue and change in financial year end
Data adjusted to bonus, split, extra-ordinary income, rights issue and change in financial year end

Data adjusted to bonus, split, extra-ordinary income, rights issue and change in financial year end.

Financial track record gives insight into the company's performance on key parameters over the past ten years. MoneyWorks4me’s proprietary colour codes make it easy for retail investors to gauge the company’s past performance.
India Home Loan Ltd has not performed well majority of the past ten years indicating its past ten year financial track record is not good
Operating Income (₹ Cr.)1.622.54.25.516.431.432.331.130.111
YoY Gr. Rt. %-30.1%21.2%68.7%33%196.9%91.6%3%-3.7%-3.5%-
Adj EPS (₹ )
YoY Gr. Rt. %-44.7%-7.3%49%-9.2%201.5%-38.5%53.1%-59.7%69.6%-
BVPS (₹ )9.810.315.516.321.923.722.824.627.430.831.2
YoY Gr. Rt. %-5.6%50.5%4.9%34.5%8.4%-3.8%7.6%11.5%12.3%-
To view Net Profit/Total Funds (%) Colour Rating Guide click here
Net Profit/Total Funds (%)3.23.933.


CAGR Colour Code Guide
9 Years 5 Years 3 Years 1 Years
Net Interest Income38.9%40.3%-1.5%-3.5%
Adj EPS15%14.2%1.5%69.6%
Share Price -4.6% -18.2% 0.5% 7.8%

Key Financial Ratios

RATIOS \ YEARSMar'13Mar'14Mar'15Mar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22TTM
Asset Quality Ratio To view Asset Quality Ratio Colour Rating Guide click here
Net NPA to Net Advances (%)0000000000-
Capitalization Ratio To view Capitalization Ratio Colour Rating Guide click here
Capital Adequacy Ratio (%) 0000000000-
Net Profit Margin (%)26.629.623.420.717.918.
Performance Ratios To view Performance Ratios Colour Rating Guide click here
Return on Equity (%)45.544.849.15.58.334.62.8

Recent Performance Summary

Net Profit has increased 1.54 CAGR in last 3 years

Total income growth is good in last 4 quarters

Return on Equity has declined versus last 3 years average to 2.80%

Total Income has declined -14.54 CAGR in last 3 years

Latest Financials - India Home Loan Ltd.

Standalone Consolidated
TTM EPS (₹) 0.9 -
TTM Sales (₹ Cr.) 11.1 -
BVPS (₹.) 31.2 -
Reserves (₹ Cr.) 30 -
P/BV 1.13 -
PE 40.88 -
From the Market
52 Week Low / High (₹) 26.10 / 40.73
All Time Low / High (₹) 0.50 / 161.00
Market Cap (₹ Cr.) 50.4
Equity (₹ Cr.) 14.3
Face Value (₹) 10
Industry PE 23.2

Management X-Ray of India Home Loan :

Shareholding Pattern

Promoter's Holding & Share Pledging

Pledged *
* Pledged shares as % of Promoter's holding (%)

Event Update

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Analyst's Notes

Key Ratios of India Home Loan

Adj EPS (Rs.)
Total Income (Cr.)
ROE (%)
BVPS (Rs.)


India Home Loan Ltd FAQs

Company share prices are keep on changing according to the market conditions. The closing price of India Home Loan on 29-Mar-2023 18:02 is : 35.32.
Market capitalization or market cap is determined by multiplying the current market price of a company's shares with the total number of shares outstanding. As of 29-Mar-2023 18:02 the market cap of India Home Loan stood at ₹ 50.44.
The latest PE ratio of India Home Loan as of 29-Mar-2023 18:02 is 40.88.
The latest PB ratio of India Home Loan as of 29-Mar-2023 18:02 is 1.13
The 52-week high of India Home Loan is ₹ 40.73 and the 52-week low is ₹ 26.10.
The TTM revenue is Trailing Twelve Months sales. The TTM revenue / sales of India Home Loan is ₹ 11.09 ( Cr.) .

About India Home Loan Ltd

India Home Loan was incorporated in the name and style of Manoj Housing Finance Company on December 19, 1990 under the Companies Act, 1956 in the State of Maharashtra as a public limited company and received the certificate of commencement of business from Registrar of Companies, Maharashtra on January 11, 1991. The name of the company was changed from Manoj Housing Finance to India Home Loan with effect from February 11, 2009.

The company is registered with National Housing Bank (NHB), wholly owned by the Reserve bank of India (RBI), for carrying on the business of housing finance institution, without accepting public deposit vide NHB Certificate of Registration dated December 31, 2002.

The company came out with the public issue in the year 1995 to augment its long term resources to meet the needs of the business of housing finance and enhance its borrowing capacity by improving its net worth.

On June 29, 2010, the company opened a branch office at Ahmedabad in Gujarat for the expansion of business activities and for better administrative and managerial convenience.

The registered office of the company is situated at 107, Vardhaman Chambers, Cawasji Patel Street, Fort, Mumbai-400 001.

Business area of the company

The company is engaged in providing housing finance for the purchase and construction of house and apartments.

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