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Reliance Home Finance

RHFL
Micro Cap
(%) 1D
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1D1W1M3M6M1YMAX

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Reliance Home Finance Share price and Fundamental Analysis

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Reliance Home Finance Limited (RHFL) is a subsidiary of Reliance Capital Limited (Rcap). RHFL was incorporated on June 5, 2008. The company is registered with the National Housing Bank as a Housing Finance Company. RHFL provides home loans, including affordable housing loans, loans against property and construction finance loans.
Company Incorporation2008
ChairmanNA
Head QuartersNA
Previous NameNA

Key Metrics

Market Cap (Cr)
380.29
PE Ratio
0
Industry P/E
24.25
PEG Ratio
0
ROE
7.65%
ROCE
25.35%
ROA
1,529.75%
Total Debt (Cr)
Debt to Equity
Dividend Yield
0%
EPS
0
Book Value & P/B
-1.09 x 0
Face Value
10
Outstanding Shares(Cr)
48.51
Current Ratio
EV to Sales
1,908.42

Stock Returns

1 Week+21.37%
1 Month+136.47%
6 Months+116.11%
1 Year+83.06%
3 Years+146.98%
5 Years+320.54%

CAGR

1 Year CAGR

Revenue Growth

+31.47%

Net Profit Growth

-199.61%

Financing Profit Growth

-221.05%

Dividend Growth

N/A

Stock Returns CAGR

+87.02%
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Smart Score

2.4
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Mar 25

Promoters : 0.74%

FIIs : 0.01%

DIIs : 1.55%

Public : 97.71%

Promoter
FII/FPI
DII
Public
Promoter Pledge stands at 0.0% of holding in March 2025 Qtr

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ROE

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ROCE

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ROA

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NPM

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Dividend History

Reliance Home Finance Competitors

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Reliance Home Finance Management and History

Company Management

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Company History

Reliance Home Finance Limited (RHFL) is a subsidiary of Reliance Capital Limited (Rcap). RHFL was incorporated on June 5, 2008. The company is registered with the National Housing Bank as a Housing Finance Company. RHFL provides home loans, including affordable housing loans, loans against property and construction finance loans.

The company is ceased to be a subsidiary of Reliance Capital Ltd with effect from 05 March 2020 and RHFL is now an associate of Rcap.

Durng the FY2017,the company's gross income increased to Rs 1144.68 crore as against Rs 815.03 crore in the previous year,registered a growth of 40%. The company's Asset Under Management(AUM) stood at Rs 11174 crore as at 31 March 2017 as against Rs 7358 crore in the previous year.

During the year,the scheme of arrangement for demerger of credit business of India Debt Management Pvt Ltd into the company has been approved by NCLT.The scheme was made effective from 21 April 2017 with the appointed date being 31 March 2016. Pursuant to the scheme,the company had issued and allotted 31035980 8% Cumulative non-convertible redeemable preference shares to the shareholders of IDMPL on 09 August 2017.

During the year,the Board of Directors had approved the scheme of arrangement for demerger of Real Estate Lending Business of holding company Reliance Capital Ltd into the company.The scheme became effective 05 September 2017.The appointed date for the scheme being 01 April 2017.Pursuant to the scheme had issued and allotted 252689630 equity shares to the shareholders of Reliance Capital Ltd in the ratio of 1:1 on 07 September 2017.

During the year 2016-17,the company had made the public issue of NCDs.The company has allotted 26182741 secured NCDs and 4357093 unsecured NCDs of face value of Rs 1000 each aggregating to Rs 3053.98 crore on 03 January 2017.These NCDs have been listed on BSE Ltd and National Stock Exchange of India Ltd.

As on 31 March 2017,the total outstanding of commercial paper stood at Rs 953.68 crore.

During the year 2016-17,the company has allotted 50000000 equity shares of Rs 10 each at a premium of Rs 30 per share to Reliance Capital Ltd.

During the FY2018,the AUM increased to Rs 16379 crore as against Rs 11174 crore in the previous year,registered a growth of 47%. The total income also increased during the FY2018 to Rs 1671 crore as against Rs 1145 crore in the previous year,a growth of 46%. The networth of the company witnessed 69% growth at Rs 1744 crore as against Rs 1032 crore in the previous year.

During the FY2018,the company has allotted 116549188 equity shares of Rs 10 each at a premium of Rs 22 per share to Reliance Capital Ltd on rights basis.

The company has raised Rs 9844.42 crore during the FY2018 by issuance of commercial paper,NCDs and other money market instruments.

During the FY2019,the AUM increased to Rs 18868 crore as against Rs 16379 crore in the previous year,registered a growth of 15%. The total income also increased during the FY2018 to Rs 2002.59 crore as against Rs 1683.34 crore in the previous year,a growth of 19%. As on 31 March 2019,the networth of the company stood at Rs 1799.93 crore.

The company has raised Rs 3911.11 crore during the FY2019 by issuance of commercial paper and NCDs.

During the FY2020,the AUM increased to Rs 14713 crore as against Rs 18868 crore in the previous year, a decline of 28%. The total income during the end of FY2020 stood at Rs 1602.91 crore as against Rs 2002.59 crore in the previous year. As on 31 March 2020,the networth of the company stood at Rs 1444.58 crore.

The company has raised Rs 124 crore during the FY2019 by issuance of commercial paper. The lenders(Banks) of the company have entered into an ICA for arriving at the debt resolution plan ,accordingly,as directed by the lead bank,the debt servicing by the company is on a standstill leading to non-payment of interest / principal amount on NCDs,loans and other borrowings.

Reliance Home Finance Share Price

Reliance Home Finance share price reflects investor sentiment toward the company and is impacted by various factors such as financial performance, market trends, and economic conditions. Share price is an indicator which shows the current value of the company's shares at which buyers or sellers can transact.

Reliance Home Finance Market Cap

Market capitalization of Reliance Home Finance indicates the total value of its outstanding shares. Marketcap is calculated by multiplying share price and outstanding shares of the company. It is a helpful metric for assessing the company's size and market Valuation. It also helps investors understand how Reliance Home Finance is valued compared to its competitors.

Reliance Home Finance PE Ratio

Reliance Home Finance PE ratio helps investors understand what is the market value of each stock compared to Reliance Home Finance 's earnings. A PE ratio higher than the average industry PE could indicate an overvaluation of the stock, whereas a lower PE compared to the average industry PE could indicate an undervaluation.

Reliance Home Finance PEG Ratio

The PEG ratio of Reliance Home Finance evaluates its PE ratio in relation to its growth rate. A PEG ratio of 1 indicates a fair value, a PEG ratio of less than 1 indicates undervaluation, and a PEG ratio of more than 1 indicates overvaluation.

Reliance Home Finance ROE (Return on Equity)

Return on Equity (ROE) measures how effectively Reliance Home Finance generates profit from shareholders' equity. A higher ROE of more than 20% indicates better financial performance in terms of profitability.

Reliance Home Finance ROCE (Return on Capital Employed)

Return on Capital Employed (ROCE) evaluates the profitability of Reliance Home Finance in relation to its capital employed. In simple terms, ROCE provides insight to investors as to how well the company is utilizing the capital deployed. A high ROCE of more than 20% shows that the business is making profitable use of its capital.

Reliance Home Finance Total Debt

Total debt of Reliance Home Finance shows how much the company owes to either banks or individual creditors. In simple terms, this is the amount the company has to repay. Total debt can be a very useful metric to show the financial health of the company. Total debt more than equity is considered to be a bad sign.

Reliance Home Finance Debt to Equity Ratio

The Debt-to-Equity (DE) ratio of Reliance Home Finance compares its total debt to shareholders' equity. A higher Debt to Equity ratio could indicate higher financial risk, while a lower ratio suggests that the company is managing its debt efficiently.

Reliance Home Finance CAGR (Compound Annual Growth Rate)

CAGR shows the consistent growth rate of Reliance Home Finance over a specific period, whether it is over a month, a year, or 10 years. It is a key metric to evaluate the company’s long-term growth potential. Main metrics for which CAGR is calculated are net sales, net profit, operating profit, and stock returns.

Reliance Home Finance Technical Analysis

Technical analysis of Reliance Home Finance helps investors get an insight into when they can enter or exit the stock. Key components of Reliance Home Finance Technical Analysis include:

Support Levels (S1, S2, S3)

There are usually multiple support levels, but the main support levels for a stock are S1, S2, S3. Support levels indicate price points where stock might get support from buyers, helping the stock stop falling and rise.

Resistance Levels (R1, R2, R3)

There are usually multiple resistance levels, but the main resistance levels for a stock are R1, R2, R3. Resistance levels represent price points where Reliance Home Finance shares often struggle to rise above due to selling pressure.

Reliance Home Finance Dividends

Dividends refer to the portion of the company’s profits distributed to its shareholders. Dividends are typically paid out in cash and reflect Reliance Home Finance ’s financial health and profitability.

Reliance Home Finance Bonus Shares

Bonus shares are usually given by companies to make the stock more affordable, increase liquidity, boost investor confidence, and more.

Reliance Home Finance Stock Split

Stock split increases the number of its outstanding shares by dividing each existing share into multiple shares. When the company offers a stock split, the face value of the stock reduces in the same proportion as the split ratio.

Reliance Home Finance Financials

The financials of Reliance Home Finance provide a complete view to investors about its net sales, net profit, operating profits, expenses, and overall financial health. Investors can analyze financial data to assess the company’s stability and also understand how the company has been growing financially.

Reliance Home Finance Profit and Loss Statements

The profit and loss statement of Reliance Home Finance highlights its net sales, net profit, total expenditure, and operating profits in the current financial year. This Profit and Loss statement is crucial for evaluating the profitability and financial stability of Reliance Home Finance .

Reliance Home Finance Balance Sheet

The balance sheet presents a snapshot of Reliance Home Finance ’s assets, liabilities, and equity of shareholders, providing insights into the financials of the company.

Reliance Home Finance Cashflow Statements

Cashflow statements track the company's cash inflows and outflows over a period. It is an essential tool for understanding how well the company manages its liquidity and finances.

Reliance Home Finance Net Interest Margin (NIM)

Reliance Home Finance Net Interest Margin (NIM) tells about the profitability earned by all NBFCs and financial institutions. It represents the income generated by the bank from the difference between the interest earned on loans and the interest paid on public deposits. Net Interest Margin (NIM) is a metric that monitors the profitability generated from a bank's lending activities.

Reliance Home Finance Non-Performing Assets (NPA) Ratio

Non-Performing Assets (NPA) indicate the ratio of a bank's loans that are classified as non-performing. A lower NPA ratio reflects stronger asset quality and more effective risk management.

Reliance Home Finance Capital Adequacy Ratio (CAR)

Capital Adequacy Ratio (CAR) is a metric to measure the bank's ability to absorb losses and still remain financially stable. A higher CAR shows that the bank is financially sound and can absorb potential losses.

Reliance Home Finance Gross NPA

Gross NPA is the percentage of total non-performing loans before provisioning, while net NPA is the percentage after provisioning. Lower gross and net NPA ratios indicate better loan quality.

Reliance Home Finance Net NPA Ratio

Net NPA is the actual losses a bank has incurred due to NPA accounts. Lower the NPA, better the banks can maintain stable income from interest on loans.

Reliance Home Finance CASA Ratio

CASA ratio tells how much of a bank's total deposits are in both current and savings accounts.

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