India Home Loan Ltd Stock Price Today (NSE: INDIAHOME)
Fundamental Score
India Home Loan Ltd Share Price — Live NSE/BSE Price, Fundamentals & Analysis
India Home Loan Ltd share price today is ₹26.23, down 3.32% on NSE/BSE as of 30 March 2026. India Home Loan Ltd (INDIAHOME) is a Small-cap company in the Housing Finance Company sector with a market capitalisation of ₹54.26 (Cr). The 52-week high for INDIAHOME share price is ₹47.54 and the 52-week low is ₹27.00. At a P/E ratio of 271.29x, INDIAHOME is currently trading above its industry average P/E of 18.03x. The company has a Return on Equity (ROE) of 0.61% and a debt-to-equity ratio of 1.11.
India Home Loan Ltd Share Price Chart — NSE/BSE Historical Performance
Returns & Performance
ROE
ROCE
OPM (5Y)
Div Yield
India Home Loan Ltd Valuation Check
P/E Ratio
Industry P/E
Market Cap
Growth Engine
Profit Growth (Q)
Sales Growth (Q)
Sales Growth (5Y)
EPS Growth (5Y)
Profit Growth (5Y)
Balance Sheet Health
Debt to Equity
Int. Coverage
Free Cash Flow (5Y)
Shareholding
Promoter
FII
DII
Pledged
Institutional Deep-Dive
Bull Run Research Hub
Home Loan Share Price: A Quant Analysis of ROCE Efficiency
The housing finance sector is currently experiencing a period of intense competition, with digital disruption and evolving customer preferences demanding greater operational efficiency. Assessing the financial health of companies like India Home Loan Ltd is crucial for understanding their ability to navigate this dynamic landscape. This analysis examines India Home Loan Ltd, focusing specifically on its Return on Capital Employed (ROCE) and its impact on its competitive positioning. Currently, the Home Loan share price stands at ₹33.709999, accompanied by a Price-to-Earnings (PE) ratio of 271.29 and a ROCE of 8.42%.
A high PE ratio, as seen with India Home Loan Ltd, can suggest investor expectations of future earnings growth. However, the ROCE provides a more tangible measure of how effectively the company is using its capital to generate profits. An 8.42% ROCE indicates that for every ₹100 of capital employed, India Home Loan generates ₹8.42 in earnings. While this figure provides a baseline, its significance is best understood in relation to its peers, such as
GIC Housing Finance Ltd.Comparing India Home Loan Ltd's ROCE to its peers reveals its relative efficiency in capital utilization. While a direct comparative analysis requires specific financial data for GIC Housing Finance Ltd, India Shelter Finance Corporation Limited, and Srg Housing Finance Ltd, a higher ROCE generally signifies superior operational efficiency. Investors should scrutinize management quality and strategies to understand why differences in ROCE exist. For example,
GIC Housing Finance Ltd may exhibit differences in ROCE due to variations in asset allocation or operating expenses stemming from management quality.The 8.42% ROCE also has implications for India Home Loan Ltd's economic moat. A higher ROCE can contribute to a wider moat, allowing the company to reinvest profits at a higher rate of return, fueling further growth and potentially deterring competitors. However, an ROCE in isolation doesn't guarantee a strong moat. Factors like brand reputation, customer loyalty, and regulatory advantages also play critical roles. Further investigation is necessary to determine the sustainability of this ROCE and its long-term impact on the company's competitive advantage. This analysis forms part of a broader 80-parameter fundamental audit, verified by Sweta Mishra, providing a comprehensive view of India Home Loan Ltd's financial standing. This is an observational analysis and does not constitute a recommendation to buy or sell.
Labels (e.g., "Excellent", "Good") are peer-based vs industry/sector averages — data-only, not advice
India Home Loan Ltd Fundamental Analysis & Valuation Benchmarking
Educational evaluation of INDIAHOME across key market metrics for learning purposes.
Positive Indicators
3 factors identified
Strong Operating Margins (64.63%)
Observation: Healthy 5-year operating margins indicate pricing power and cost control.
Analysis: OPM >15% suggests operational efficiency and competitive advantages.
Strong Cash Generation (₹124.77 Cr over 5Y)
Observation: Healthy free cash flow generation supports growth and returns.
Analysis: Strong FCF provides flexibility for dividends, debt reduction, and growth investments.
Zero Share Pledging Risk
Observation: No promoter shares pledged as collateral.
Analysis: Absence of share pledging eliminates potential forced-selling pressure.
Risk Factors
11 factors identified
Below-Average Return on Equity (0.61%)
Observation: Returns on equity are below industry benchmarks.
Analysis: ROE <10% may indicate inefficient capital utilization. Consider monitoring for operational improvements and management effectiveness.
Suboptimal ROCE (8.42%)
Observation: Returns on capital employed are below expectations.
Analysis: ROCE <10% suggests potential inefficiencies in capital allocation.
Premium Valuation Risk (P/E: 271.29x)
Observation: High valuation multiples may limit upside potential.
Analysis: Elevated P/E ratios require strong growth execution to justify current valuations.
Limited Growth History (-16.03% CAGR)
Observation: Below-average 5-year sales growth trajectory.
Analysis: Low sales CAGR may indicate mature markets or limited growth opportunities.
Weak Earnings Growth (-38.27% CAGR)
Observation: Below-average 5-year EPS growth performance.
Analysis: Low EPS growth may not keep pace with inflation.
Stagnant Profit Growth (-38.27% CAGR)
Observation: Limited 5-year profit growth trajectory.
Analysis: Low profit growth may indicate scalability challenges or market maturity.
Elevated Debt Levels (D/E: 1.11)
Observation: High leverage increases financial risk and interest burden.
Analysis: High debt-to-equity ratios require monitoring of debt servicing capability.
Weak Interest Coverage (1.03x)
Observation: Limited ability to service debt obligations from earnings.
Analysis: Low interest coverage raises concerns about financial stability.
Low Promoter Commitment (26.66%)
Observation: Reduced promoter stake may indicate limited confidence.
Analysis: Low promoter holding may raise questions about management commitment.
Limited Institutional Interest (FII+DII: 0.07%)
Observation: Low institutional participation may affect liquidity.
Analysis: Limited institutional interest may indicate size constraints or visibility issues.
No Dividend Distribution
Observation: Company does not currently pay dividends to shareholders.
Analysis: Zero dividend yield may indicate growth reinvestment focus or cash flow constraints.
India Home Loan Ltd Financial Statements
Comprehensive financial data for India Home Loan Ltd including income statement, balance sheet and cash flow
About INDIAHOME (India Home Loan Ltd)
India Home Loan Ltd is a financial institution dedicated to providing accessible home financing solutions across India. Specializing in empowering individuals and families to reali...ze their dreams of homeownership, the company offers a diverse range of loan products tailored to meet varied needs. From facilitating the purchase of new homes to supporting the construction of personalized residences, INDIAHOME strives to be a reliable partner in the home-building journey. The company extends its services to include loans for expanding existing living spaces, renovating properties to enhance their appeal, and undertaking necessary improvements to ensure comfort and safety. Beyond individual homebuyers, INDIAHOME recognizes the importance of fostering holistic community development. To that end, they provide financial backing for real estate projects, contributing to the creation of vibrant residential areas. By providing project finance, INDIAHOME actively participates in shaping the urban landscape and supporting the growth of the housing sector. The company focuses on providing financial assistance to those who are looking to buy a house of their dreams or building an estate for investment purposes. Originally established as Manoj Housing Finance Company Ltd., the institution underwent a transformative rebranding in 2009, adopting the name India Home Loan Limited to better reflect its nationwide aspirations. With its headquarters strategically located in Mumbai, the financial hub of India, INDIAHOME leverages its experience and resources to serve a broad spectrum of customers. Since its incorporation in 1990, INDIAHOME has remained committed to ethical lending practices, transparent operations, and a customer-centric approach, solidifying its position as a trusted player in the Indian housing finance market.
Company Details
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INDIAHOME Share Price: Frequently Asked Questions
What is the current share price of India Home Loan Ltd (INDIAHOME)?
As of 30 Mar 2026, 12:07 pm IST, India Home Loan Ltd share price is ₹26.23. The INDIAHOME stock has a market capitalisation of ₹54.26 (Cr) on NSE/BSE.
Is INDIAHOME share price Overvalued or Undervalued?
INDIAHOME share price is currently trading at a P/E ratio of 271.29x, compared to the industry average of 18.03x. Based on this relative valuation, the India Home Loan Ltd stock appears to be Overvalued against its sector peers.
What is the 52-week high and low of INDIAHOME share price?
The 52-week high of INDIAHOME share price is ₹47.54 and the 52-week low is ₹27.00. These values are updated daily from NSE/BSE price data.
What factors affect the India Home Loan Ltd share price?
Key factors influencing INDIAHOME share price include quarterly earnings growth (Sales Growth: 6.71%), raw material costs, government infrastructure spending, and institutional flows (FII/DII holding).
Is India Home Loan Ltd a good stock for long-term investment?
India Home Loan Ltd shows a 5-year Profit Growth of -38.27% and an ROE of 0.61%. Long-term investors should consider these fundamentals alongside the debt-to-equity ratio of 1.11 before investing in INDIAHOME shares.
How does India Home Loan Ltd compare with its industry peers?
India Home Loan Ltd competes with major peers in the Housing Finance Company. Investors should compare INDIAHOME share price P/E of 271.29x and ROE of 0.61% against the industry averages to determine competitive standing.
What is the P/E ratio of INDIAHOME and what does it mean?
INDIAHOME share price has a P/E ratio of 271.29x compared to the industry average of 18.03x. Investors pay ₹271 for every ₹1 of annual earnings.
How is INDIAHOME performing according to Bull Run's analysis?
INDIAHOME has a Bull Run fundamental score of N/A/100, indicating concerns requiring careful analysis. This comprehensive rating is based on 15+ financial parameters.
What sector and industry does INDIAHOME belong to?
INDIAHOME operates in the Housing Finance Company industry. This classification helps understand the competitive landscape and sector-specific trends affecting India Home Loan Ltd share price.
What is Return on Equity (ROE) and why is it important for INDIAHOME?
INDIAHOME has an ROE of 0.61%, which suggests challenges in generating returns from shareholders equity. ROE measures how efficiently India Home Loan Ltd generates profits from shareholders capital.
How is INDIAHOME debt-to-equity ratio and what does it indicate?
INDIAHOME has a debt-to-equity ratio of 1.11, which indicates high leverage that increases financial risk.
What is INDIAHOME dividend yield and is it a good dividend stock?
INDIAHOME offers a dividend yield of 0.00%, meaning you receive ₹0.00 annual dividend for every ₹100 invested in India Home Loan Ltd shares.
How has INDIAHOME share price grown over the past 5 years?
INDIAHOME has achieved 5-year growth rates of: Sales Growth -16.03%, Profit Growth -38.27%, and EPS Growth -38.27%.
What is the promoter holding in INDIAHOME and why does it matter?
Promoters hold 26.66% of INDIAHOME shares, with 0.00% pledged. High promoter holding often indicates strong management confidence in India Home Loan Ltd.
What is INDIAHOME market capitalisation category?
INDIAHOME has a market capitalisation of ₹54 crores, placing it in the Small-cap category.
How volatile is INDIAHOME stock?
INDIAHOME has a beta of N/A. A beta > 1 suggests the India Home Loan Ltd stock is more volatile than the market, while a beta < 1 suggests it is less volatile.
What is INDIAHOME operating profit margin trend?
INDIAHOME has a 5-year average Operating Profit Margin (OPM) of 64.63%, indicating the company's operational efficiency.
How is INDIAHOME quarterly performance?
Recent quarterly performance shows India Home Loan Ltd YoY Sales Growth of 6.71% and YoY Profit Growth of 16.67%.
What is the institutional holding pattern in INDIAHOME?
INDIAHOME has FII holding of 0.00% and DII holding of 0.07%. Significant institutional holding often suggests professional confidence in the India Home Loan Ltd stock.