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India Home Loans Ltd logo

India Home Loans Ltd

NSE: BSE: 530979

34.42

(-3.07%)

Fri, 20 Mar 2026, 10:22 am

India Home Loans Analysis

dividend

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Pros

  • Dividends paid are well covered by earnings (6.5x coverage).
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Cons

  • Dividend payments have increased, but India Home Loan only paid a dividend in the past 3 years.
  • Whilst dividend payments have been stable, India Home Loan has been paying a dividend for less than 10 years.
  • India Home Loan's pays a lower dividend yield than the bottom 25% of dividend payers in India (0.76%).
  • India Home Loan's dividend is below the markets top 25% of dividend payers in India (3.08%).

health

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Pros

  • India Home Loan's level of assets compared to its equity is low (i.e. an appropriate level of borrowing to fund lending).
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Cons

  • India Home Loan reports no customer deposits, loans are made up entirely of borrowed funds.

management

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Pros

  • The tenure for the India Home Loan board of directors is about average.
  • Mahesh's remuneration is about average for companies of similar size in India.
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Cons

  • Mahesh's compensation has increased by more than 20% whilst company earnings have fallen more than 20% in the past year.
  • The average tenure for the India Home Loan management team is less than 2 years, this suggests a new team.

misc

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Pros

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    Cons

    • India Home Loan is not covered by any analysts.
    • India Home Loan has significant price volatility in the past 3 months.

    past

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    Pros

    • India Home Loan has delivered over 20% year on year earnings growth in the past 5 years.
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    Cons

    • India Home Loan's 1-year earnings growth is negative, it can't be compared to the 5-year average.
    • India Home Loan used its assets less efficiently than the IN Mortgage industry average last year based on Return on Assets.
    • India Home Loan has not efficiently used shareholders’ funds last year (Return on Equity less than 20%).
    • India Home Loan's 1-year earnings growth is negative, it can't be compared to the IN Mortgage industry average.

    value

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    Pros

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      Cons

      • India Home Loan is overvalued based on assets compared to the IN Mortgage industry average.
      • India Home Loan is overvalued based on earnings compared to the IN Mortgage industry average.
      • India Home Loan is overvalued based on earnings compared to the India market.
      • 530979 underperformed the Mortgage industry which returned -26.3% over the past year.
      • 530979 underperformed the Market in India which returned -14.5% over the past year.
      • BSE:530979 is down -3.1% underperforming the Mortgage industry which returned 7.7% over the past month.
      • BSE:530979 is down -3.1% underperforming the market in India which returned 8% over the past month.

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      Pocketful Fintech Capital Private Limited (CIN U65999DL2021PTC390548) | The SEBI Registration No. allotted to us is INZ000313732. NSE Member Code: 90326 | BSE Member Code: 6808 | MCX Member Code: 57120 DP | CDSL: 12099800