Reliance Home Finance Ltd.

•

reliancehomefinance.comBSE: 540709NSE: RHFL

Market Cap₹ 92 Cr.

Current Price

High / Low₹ 5 / 2

Stock P/E3.8

Book Value₹ -1

Price to Book-1.56

Dividend Yield0.00 %

ROCE250.0 %

ROE0.0 %

Face Value₹ 10

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ABOUT

AI Sector View

AI GENERATED

Financial Services

Buy

Financials remain one of the clearest macro beneficiaries. Loan growth was 18.3% (Aug/26) versus deposit growth 14.7% (Aug/26), SCB credit growth was 17.5% YoY (2026-07), UPI transactions rose 22.0% YoY (2026-07), and M3 money supply grew 15.0% YoY (2026-07). Sector flows have also turned meaningfully supportive, with INR 13171 crore net FPI inflow over 3 months to 2026-08-31 after INR -114652 crore in the prior 3 months.

Confidence

84%

View full sector analysis →

PROS

Company has delivered good profit growth of 100.5% CAGR over last 5 years
Company has a healthy return on capital (ROCE) of 58.5%
Asset quality is healthy - gross NPA of just 0.0%
Operating margins have improved to 2439.9% from 48.7%
Company generates healthy free cash flow

CONS

Net worth is negative - accumulated losses have eroded equity
Capital adequacy is tight at 0.0% - limited headroom to grow
Company has a low return on equity of -72.9% over last 3 years
A large part of profit comes from other income (100.5% of PBT)
Company's sales have been declining over the last five years

* The pros and cons are machine generated based on quantitative rules.

Peer comparison

Financial ServicesFinanceFinance - Housing

Part ofNIFTY 50 NIFTY 500 NIFTY LARGEMIDCAP 250 NIFTY 100 NIFTY 200

S.No.	Name
1.	BAJAJHFL	84.16	673.24	70124.93	0.00	715.28	22.63	3063.02	17.79	8.83	92.39
2.	PIRAMALFIN	2256.30	31.65	53390.90	0.49	460.98	—	3368.27	33.52	7.74	64.47
3.	HUDCO	172.70	8.12	34572.81	3.50	851.11	35.05	3717.17	27.10	8.41	97.08
4.	LICHSGFIN	562.55	5.39	30943.79	1.78	1499.03	9.90	7082.59	-1.16	8.59	97.06
5.	PNBHOUSING	1175.00	13.24	30644.46	0.68	557.34	4.47	2263.44	9.02	9.41	91.52
6.	AADHARHFC	456.35	17.53	19997.56	0.00	282.36	19.00	992.89	17.06	11.31	75.02
7.	SAMMAANCAP	147.45	0.00	17171.39	0.00	243.30	-27.22	1651.93	-31.18	-4.70	99.91
8.	APTUS	249.30	12.68	12485.70	1.81	260.94	19.01	600.29	15.38	15.45	81.94
9.	HOMEFIRST	1184.65	21.31	12386.64	0.44	159.85	34.45	538.01	18.97	11.13	77.98
10.	CANFINHOME	781.05	9.21	10400.04	1.92	267.82	19.63	1096.15	7.43	9.14	91.29
11.	AAVAS	1275.10	20.61	10110.82	0.00	142.48	12.34	546.02	21.42	9.97	74.58
12.	RHFL	1.89	3.79	91.68	0.00	-0.69	89.78	0.00	-100.00	250.03	—

Detailed Comparison with:

Quarterly Results

Consolidated Figures in Rs. Crores / View Standalone

	Mar 2022	Jun 2022	Sep 2022	Dec 2022	Mar 2023	Jun 2023	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025
	15	94	72	141	76	0	0	0	0	0	0	0	0
	6,068	45	45	16	-9,060	-6	1	3	5	0	0	2	1
Operating Profit	-6,052	49	27	125	8,581	7	-1	-3	-5	-0	42	-2	-1
OPM %	-39529.00%	52.19%	37.86%	88.59%	11365.09%	5575.00%	-388.24%	-1600.00%	-2944.44%	-50.00%	210500.00%	-10550.00%	—
Other Income	0	0	6	-0	3	0	0	0	0	0	7	0	0
Interest	311	252	272	267	-759	0	0	0	1	0	0	0	0
Depreciation	210	1	0	21	0	0	0	0	0	0	0	0	0
	-6,573	-203	-239	-163	9,620	6	-1	-3	-7	-0	27	-2	-1
Tax %	31.20%	31.20%	31.20%	-52.53%	37.92%	0.00%	-0.00%	-0.00%	-0.00%	-0.00%	0.00%	3.54%	-0.00%
Net Profit	-4,522	-140	-165	-249	5,972	6	-1	-3	-7	-0	27	-2	-1
	-93	-3	-3	-5	123	0	-0	-0	-0	-0	1	-0	-0

Profit & Loss

Consolidated Figures in Rs. Crores / View Standalone

	Mar 2014	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	TTM
	427	501	804	1,073	1,623	1,986	1,587	803	291	382	0
	90	90	149	461	373	575	830	1,921	6,802	118	3
Operating Profit	337	411	655	613	1,250	1,411	758	-1,118	-6,512	264	-3
OPM %	78.85%	82.10%	81.41%	57.07%	77.04%	71.05%	47.72%	-139.13%	-2240.19%	69.02%	-1468.18%
	7	12	19	281	61	17	16	37	3	8,783	28
Interest	277	317	536	749	1,062	1,323	1,337	1,220	1,185	32	1
Depreciation	0	0	1	7	2	3	4	3	212	2	0
Profit before Tax	66	106	137	138	247	102	-567	-2,303	-7,906	9,014	24
Tax %	34.30%	34.79%	36.53%	-25.25%	32.24%	33.64%	33.84%	34.00%	31.20%	39.89%	-0.29%
Net Profit	43	69	87	173	167	67	-375	-1,520	-5,440	5,419	24
EPS	0.00	0.00	0.00	0.00	0.00	0.00	-7.74	-31.33	-112.15	111.72	—
Dividend Payout %	0.00%	0.00%	0.00%	3.36%	28.99%	0.00%	0.00%	0.00%	0.00%	0.00%	—

COMPOUNDED SALES GROWTH

10 Years:: 1%
5 Years:: -25%
3 Years:: -38%

COMPOUNDED PROFIT GROWTH

10 Years:: 70%
5 Years:: 100%
3 Years:: —

STOCK PRICE CAGR

10 Years:: —
5 Years:: -15%
3 Years:: -1%
1 Year:: -60%

RETURN ON EQUITY

10 Years:: -17%
5 Years:: -48%
3 Years:: -73%
Last Year:: 0%

Balance Sheet

Consolidated Figures in Rs. Crores / View Standalone

	Mar 2014	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023
Equity Capital	66	66	66	116	485	485	485	485	485	485
	398	468	554	983	1,337	1,345	970	-550	-5,989	-564
	2,549	4,130	5,746	8,486	13,138	15,699	13,235	12,976	12,714	87
Trade Payables	1	2	2	5	4	6	0	1	1	0
	730	972	1,459	1,635	289	434	693	857	-651	38
Total Liabilities	3,745	5,639	7,826	11,224	15,253	17,970	15,384	13,770	6,561	46
	0	39	44	68	260	261	257	255	43	0
	320	0	80	508	59	98	955	1,012	161	0
Cash & Bank	201	355	720	252	125	593	510	1,310	2,961	18
	3,224	5,244	6,981	10,396	14,810	17,018	13,661	11,193	3,395	29
Total Assets	3,745	5,639	7,826	11,224	15,253	17,970	15,384	13,770	6,561	46

Cash Flows

Consolidated Figures in Rs. Crores / View Standalone

	Mar 2014	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023
	671	136	933	-2,723	-3,479	-1,159	4,732	3,069	-607	4,044
Cash from Investing	-282	293	-72	-355	496	-55	-856	-1,560	848	103
Cash from Financing	0	0	0	3,227	2,818	1,291	-3,927	-1,374	-367	-4,035
	130	114	362	-425	-194	47	-70	135	-116	171

Ratios

Consolidated Figures in Rs. Crores / View Standalone

	Mar 2014	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023

Shareholding Pattern

Numbers in percentages

Jun 2023	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025
43.61	0.74	0.74	0.74	0.74	0.74	0.74	0.74
0.39	0.39	0.39	0.39	0.00	0.00	0.00	0.00
1.55	1.55	1.55	1.55	1.55	1.55	1.54	1.54
0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01
54.44	97.31	97.31	97.30	97.70	97.70	97.70	97.70

Documents

Corporate disclosures, annual reports, credit ratings, and concall transcripts

2026-08-10

Corporate Insolvency Resolution Process

2026-08-10 - Reliance Home Finance Limited has informed the Exchange about that the 13th Meeting of the Committee of Creditors ( CoC ), of Reliance Home Finance Limited (In CIRP) was duly held on Thursday, August 06, 2026, at 03:00 P.M. (IST) through Video Conferencing

2026-08-04

Corporate Insolvency Resolution Process

2026-08-04 - Reliance Home Finance Limited has informed the Exchange that 13th Meeting of the Committee of Creditors ("CoC") of the Corporate Debtor, Will be held as under: Date: Wednesday, August 05, 2026 Time: 03:00 P.M. (IST) Mode: Video Conferencing

2026-07-17

Corporate Insolvency Resolution Process

2026-07-17 - Reliance Home Finance Limited has informed the Exchange about the 12th Meeting of the Committee of Creditors ( CoC ), of Reliance Home Finance Limited (In CIRP) originally scheduled to be held on Thursday, July 02, 2026 at 11:30 A.M. (IST) through Video Conferencing, was rescheduled and duly held on Tuesday, July 14, 2026 at 11:30 A.M. (IST) through Video Conferencing.

2026-07-13

Corporate Insolvency Resolution Process

2026-07-13 - Reliance Home Finance Limited has informed the Exchange about that the 12th Meeting of the Committee of Creditors ("CoC") of the Corporate Debtor, which was originally scheduled to be held on Thursday, July 02, 2026 at 11:30 A.M. (IST) through Video Conferencing and was subsequently postponed, shall now be held as under:Date: Tuesday, July 14, 2026 Time: 11:30 A.M. (IST) Mode: Video Conferencing

2026-07-09

Disclosure under SEBI Takeover Regulations

2026-07-09 - Reliance Interactive Advisors Private Limited has Submitted to the Exchange a copy of Disclosure under Regulation 31(4) of the Securities and Exchange Board of India (Substantial Acquisition of Shares and Takeovers) Regulations, 2011.

2026-06-24

Corporate Insolvency Resolution Process

2026-06-24 - Reliance Home Finance Limited has informed the Exchange about that the 11th Meeting of the Committee of Creditors ( CoC ), of Reliance Home Finance Limited (In CIRP) originally scheduled to be held on Monday, June 15, 2026 at 03:00 P.M. (IST) through Video Conferencing, was rescheduled and duly held on Wednesday, June 24, 2026 at 11:00 A.M. (IST) through Video Conferencing.

2026-06-18

Corporate Insolvency Resolution Process

2026-06-18 - Reliance Home Finance Limited has informed that pursuant to Regulation 30 of the SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015 read with sub-clause 16(g) of Para A of Part A of Schedule III thereto, we had informed that the 11th (Eleventh) Meeting of the Committee of Creditors (CoC) of the Company was scheduled to be held on Monday, June 15, 2026 at 03:00 P.M. (IST) through Video Conferencing.We wish to inform you that the aforesaid Meeting of the Committee of Creditors (CoC) has been rescheduled and will now be held as under:Date: Wednesday, June 24, 2026Time: 11:00 A.M. (IST)Mode: Video Conferencing

2026-06-15

Corporate Insolvency Resolution Process

2026-06-15 - Reliance Home Finance Limited has informed that the 11th Meeting of the Committee of Creditors of the Corporate Debtor will be held as under:Date: Monday, June 15, 2026 Time: 03:00 P.M. (IST) Mode: Video Conferencing

2026-06-09

Corporate Insolvency Resolution Process

2026-06-09 - Reliance Home Finance Limited has informed the Exchange about that the 10th Meeting of the Committee of Creditors ( CoC ), of Reliance Home Finance Limited (In CIRP) scheduled to be held on Tuesday, June 09, 2026 at 03:00 P.M. (IST) through Video Conferencing and was duly held on Tuesday, June 09, 2026, at 03:00 P.M. (IST) through Video Conferencing.

News

Recent coverage and analyst commentary for RHFL

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Reliance Home Finance Ltd.

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Free 5nance Account

Name

BAJAJHFL

84.16

673.24

70124.93

0.00

715.28

22.63

3063.02

17.79

8.83

92.39

PIRAMALFIN

2256.30

31.65

53390.90

0.49

460.98

—

3368.27

33.52

7.74

64.47

HUDCO

172.70

8.12

34572.81

3.50

851.11

35.05

3717.17

27.10

8.41

97.08

LICHSGFIN

562.55

5.39

30943.79

1.78

1499.03

9.90

7082.59

-1.16

8.59

97.06

PNBHOUSING

1175.00

13.24

30644.46

0.68

557.34

4.47

2263.44

9.02

9.41

91.52

AADHARHFC

456.35

17.53

19997.56

0.00

282.36

19.00

992.89

17.06

11.31

75.02

SAMMAANCAP

147.45

0.00

17171.39

0.00

243.30

-27.22

1651.93

-31.18

-4.70

99.91

APTUS

249.30

12.68

12485.70

1.81

260.94

19.01

600.29

15.38

15.45

81.94

HOMEFIRST

1184.65

21.31

12386.64

0.44

159.85

34.45

538.01

18.97

11.13

77.98

CANFINHOME

781.05

9.21

10400.04

1.92

267.82

19.63

1096.15

7.43

9.14

91.29

AAVAS

1275.10

20.61

10110.82

0.00

142.48

12.34

546.02

21.42

9.97

74.58

RHFL

1.89

3.79

91.68

0.00

-0.69

89.78

0.00

-100.00

250.03

—

Mar 2022

Jun 2022

Sep 2022

Dec 2022

Mar 2023

Jun 2023

Sep 2023

Dec 2023

Mar 2024

Jun 2024

Sep 2024

Dec 2024

Mar 2025

141

6,068

-9,060

-6

Operating Profit

-6,052

125

8,581

-1

-3

-5

-0

-2

-1

OPM %

-39529.00%

52.19%

37.86%

88.59%

11365.09%

5575.00%

-388.24%

-1600.00%

-2944.44%

-50.00%

210500.00%

-10550.00%

—

Other Income

-0

Interest

311

252

272

267

-759

Depreciation

210

-6,573

-203

-239

-163

9,620

-1

-3

-7

-0

-2

-1

Tax %

31.20%

-52.53%

37.92%

0.00%

-0.00%

0.00%

3.54%

-0.00%

Net Profit

-4,522

-140

-165

-249

5,972

-1

-3

-7

-0

-2

-1

-93

-3

-5

123

-0

Mar 2014

Mar 2015

Mar 2016

Mar 2017

Mar 2018

Mar 2019

Mar 2020

Mar 2021

Mar 2022

Mar 2023

TTM

427

501

804

1,073

1,623

1,986

1,587

803

291

382

149

461

373

575

830

1,921

6,802

118

Operating Profit

337

411

655

613

1,250

1,411

758

-1,118

-6,512

264

-3

OPM %

78.85%

82.10%

81.41%

57.07%

77.04%

71.05%

47.72%

-139.13%

-2240.19%

69.02%

-1468.18%

281

8,783

Interest

277

317

536

749

1,062

1,323

1,337

1,220

1,185

Depreciation

212

Profit before Tax

106

137

138

247

102

-567

-2,303

-7,906

9,014

Tax %

34.30%

34.79%

36.53%

-25.25%

32.24%

33.64%

33.84%

34.00%

31.20%

39.89%

-0.29%

Net Profit

173

167

-375

-1,520

-5,440

5,419

EPS

0.00

-7.74

-31.33

-112.15

111.72

—

Dividend Payout %

0.00%

3.36%

28.99%

0.00%

—

Mar 2014

Mar 2015

Mar 2016

Mar 2017

Mar 2018

Mar 2019

Mar 2020

Mar 2021

Mar 2022

Mar 2023

Equity Capital

116

485

398

468

554

983

1,337

1,345

970

-550

-5,989

-564

2,549

4,130

5,746

8,486

13,138

15,699

13,235

12,976

12,714

Trade Payables

730

972

1,459

1,635

289

434

693

857

-651

Total Liabilities

3,745

5,639

7,826

11,224

15,253

17,970

15,384

13,770

6,561

260

261

257

255

320

508

955

1,012

161

Cash & Bank

201

355

720

252

125

593

510

1,310

2,961

3,224

5,244

6,981

10,396

14,810

17,018

13,661

11,193

3,395

Total Assets

3,745

5,639

7,826

11,224

15,253

17,970

15,384

13,770

6,561

Mar 2014

Mar 2015

Mar 2016

Mar 2017

Mar 2018

Mar 2019

Mar 2020

Mar 2021

Mar 2022

Mar 2023

671

136

933

-2,723

-3,479

-1,159

4,732

3,069

-607

4,044

Cash from Investing

-282

293

-72

-355

496

-55

-856

-1,560

848

103

Cash from Financing

3,227

2,818

1,291

-3,927

-1,374

-367

-4,035

130

114

362

-425

-194

-70

135

-116

171

Mar 2014

Mar 2015

Mar 2016

Mar 2017

Mar 2018

Mar 2019

Mar 2020

Mar 2021

Mar 2022

Mar 2023

Jun 2023

Sep 2023

Dec 2023

Mar 2024

Jun 2024

Sep 2024

Dec 2024

Mar 2025

43.61

0.74

0.39

0.00

1.55

1.54

0.01

54.44

97.31

97.30

97.70

Reliance Home Finance Ltd.

AI Sector View

Peer comparison

Quarterly Results

Profit & Loss

Balance Sheet

Corporate actions

Cash Flows

Ratios

Shareholding Pattern

Documents

News

Sign in to Chat with AI

Reliance Home Finance Ltd.

AI Sector View

Peer comparison

Quarterly Results

Profit & Loss

Balance Sheet

Corporate actions

Cash Flows

Ratios

Shareholding Pattern

Documents

News

Sign in to Chat with AI