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    Finance/Rental/Leasing
Reliance Home Finance Ltd.

Reliance Home Finance Ltd.

1.34
INR
-0.05
(-3.60%)
-0.09EPS
6.56P/E
1.63BMarket Cap
Reliance Home Finance Ltd.
NSE:RHFL
(National Stock Exchange of India)

Recent

price

1.34

P/E

ratio

6.56

div

yld

- -

ROIC.AI

2014
2015
2016
2017
2018
2019
2020
2021
2022
2023
2024
2025
TTM
INR
8.72
10.33
16.41
22.13
49.01
39.98
31.68
15.97
4.05
7.87
0.01
- -
- -
Revenue per Share
0.89
1.42
1.79
3.56
5.16
1.39
-7.74
-31.33
-112.14
111.71
-0.07
0.5
0.51
Basic EPS, GAAP
8.49
-4.51
8.94
-67.98
-108.35
-24.61
97.16
63.24
-12.32
84.58
-0.43
0.19
- -
Free Cash Flow per Basic Share
- -
- -
- -
- -
0.22
1.21
- -
- -
- -
- -
- -
- -
- -
Dividend per Share
9.57
11
12.78
21.4
36.97
37.97
30.24
-1.09
-113.23
-1.52
-1.59
-1.09
-1.09
Book Value per Share
9.57
10.99
12.78
20.74
32.6
33.57
25.86
-5.46
-113.26
-1.52
-1.59
-1.09
-1.09
Tangible Book Value per Share
485
485
485
485
324
485
485
485
485
485
507
485
472
Basic Weighted Avg Shares
4,228
5,009
7,960
10,733
15,888
19,391
15,367
7,746
1,967
3,820
6
2
2
Sales/Revenue/Turnover
17.22
23.57
23.01
19.53
19.46
16.93
-26.97
-302.62
-657.22
60.29
-616.21
-1,852.2
-1,852.2
Operating Margin (%)
2
- -
7
71
21
34
36
26
2,121
20
- -
- -
- -
Depreciation Expense
434
691
868
1,726
1,673
674
-3,753
-15,199
-54,396
54,186
-35
242
242
Net Income, GAAP
34.3
34.79
36.54
- -
32.24
33.64
- -
- -
- -
38.7
- -
- -
- -
Effective Tax Rate (%)
10.26
13.79
10.9
16.08
10.53
3.48
-24.42
-196.22
-2,765.71
1,418.59
-574.15
10,859.57
10,859.61
Profit Margin (%)
-555
-10,523
-7,816
-10,535
-1,579
43,817
-17,439
-76,317
-83,034
-738
273
7
7
Working Capital
21,692
28,240
46,190
72,798
104,845
110,129
67,600
45,434
36,925
- -
914
403
403
LT Debt
4,643
5,334
6,201
10,379
18,245
18,420
14,668
-530
-54,924
-738
-772
-530
-530
Total Equity
- -
2.11
2.24
- -
0.82
0.28
- -
- -
- -
- -
- -
- -
- -
Return on Invested Capital (%)
- -
2.32
2.47
- -
1.31
0.43
- -
- -
- -
170.66
- -
- -
- -
Return on Capital (%)
- -
13.85
15.04
20.82
11.82
3.71
-22.69
- -
- -
- -
- -
- -
- -
Return on Common Equity (%)

Capital Structure

INR

•

in mil. unless spec.
Sep'25
Dec'25
Mar'25
ST Debt
- -
- -
- -
LT Borrowings
383
- -
403
LT Finance Leases
- -
- -
- -
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
485
485
485
Market Capitalization
2,561
1,935
1,630

Working Capital

INR

•

in mil. unless spec.
Sep'25
Dec'25
Mar'25
Total Current Assets
7
- -
7
Cash, Cash Equivalents & STI
7
- -
7
Accounts Receivable, Net
- -
- -
- -
Inventories
- -
- -
- -
Total Current Liabilities
- -
- -
- -
Payables & Accruals
- -
- -
- -
ST Debt
- -
- -
- -
Deferred Revenue
- -
- -
- -

Growth Rates

INR

•

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
1,018.18%
2,008.36%
-31.32%
Free Cash Flow
-289.57%
-236.5%
-141.27%
Net Income, GAAP
-111.29%
-103.6%
-781.17%
Sales/Revenue/Turnover
-5.08%
-38.76%
-63.99%
Total Cash Common Dividend
- -
- -
- -

Quarterly Revenue

INR

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2023
936
723
1,406
-728
3,820
2024
1
2
2
2
6
2025
2
- -
- -
- -
2

Quarterly Earnings Per Share

INR

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2023
-2.88
-3.39
-5.14
123.13
111.71
2024
0.13
-0.01
-0.05
-0.14
-0.07
2025
-0.01
0.56
-0.04
-0.01
0.5

Quarterly Dividends Per Share

INR

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2023
- -
- -
- -
- -
- -
2024
- -
- -
- -
- -
- -
2025
- -
- -
- -
- -
- -
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Business
Reliance Home Finance Limited (RHFL.NS) operates as a housing finance company registered with the National Housing Bank in India, focusing on mortgage-based lending without accepting public deposits. The company provides a range of housing finance solutions, including home loans, affordable housing loans, loans against property, and construction finance; it also offers related property services and property valuation services. Incorporated in 2008 and headquartered in Mumbai, Maharashtra, RHFL previously conducted operations across India through over 90 locations and 1,750 distributors serving more than 33,300 customers via a hub-and-spoke model, targeting individual borrowers and affordable housing segments in Tier-II cities. As a former 100% subsidiary of Reliance Capital Limited--part of the Anil Dhirubhai Ambani Group--it ceased to be a subsidiary in March 2020 and became an associate amid financial distress, with promoter holding now at 0.74%. In recent developments, RHFL entered the Corporate Insolvency Resolution Process (CIRP) in September 2025 following a tribunal order under the Insolvency and Bankruptcy Code, with the first Committee of Creditors meeting held on October 15, 2025, and creditor claims of approximately Rs 103 crore admitted; the company has substantially discontinued housing finance activities after transferring its portfolio, reduced debt significantly, and faces ongoing regulatory scrutiny including SEBI demands for fund diversion repayment and exchange clarifications on forensic audits.