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Stock Analysis

Description

Reliance Home Finance Limited (RHFL) is a housing finance company. It is currently undergoing Corporate Insolvency Resolution Process (CIRP) after being admitted to NCLT on September 16, 2025, due to a debt default.

Key Growth Triggers

Currently no data available for Key Growth Triggers.

Order Book

Currently no data available for Order Book.

Key Red Flags

Reliance Home Finance Limited is undergoing Corporate Insolvency Resolution Process (CIRP) due to a debt default. This signifies severe financial distress and an uncertain future, with creditors determining the resolution path.

Key Dates To Watch

Ongoing Committee of Creditors (CoC) meetings are critical for the resolution process under CIRP.

Corporate Announcements

13th Apr 26

Impact Rating: 7

An intimation has been issued for the 9th Meeting of the Committee of Creditors (CoC) for Reliance Home Finance Limited, scheduled for April 15, 2026, via video conference.

6th Apr 26

Impact Rating: 6

Reliance Home Finance Limited, currently undergoing its Corporate Insolvency Resolution Process (CIRP), conducted its 8th Committee of Creditors meeting on Friday, April 3, 2026, via video conference. The intimation was filed post-facto.

6th Apr 26

Impact Rating: 6

Reliance Home Finance Limited's Committee of Creditors convened its 8th meeting on April 03, 2026, via video conference. This meeting is part of the ongoing Corporate Insolvency Resolution Process (CIRP) for the company.

23rd Mar 26

Impact Rating: 6

Reliance Home Finance has re-issued Form G as part of its Corporate Insolvency Resolution Process, inviting expressions of interest from prospective resolution applicants with crucial deadlines extending to early June 2026.

16th Mar 26

Impact Rating: -

No description available.

Peer Comparision

S.No.	Name	Current Price (Rs.)	Price to Earning	Market Capitalization (Rs.Cr.)	Dividend yield (%)	Net Profit latest quarter (Rs.Cr.)	YOY Quarterly profit growth (%)	Sales latest quarter (Rs.Cr.)	YOY Quarterly sales growth (%)	Return on capital employed (%)	Sales (Rs.Cr.)	OPM (%)	Profit after tax (Rs.Cr.)	Profit after tax latest quarter (Rs.Cr.)	Price to book value	Return on assets (%)	Debt to equity
1.	Bajaj Housing	96.95	34.22	80781.98	0.00	642.96	17.84	2754.85	14.30	9.55	10327.38	90.96	2360.96	642.96	3.81	2.35	4.44
2.	Piramal Finance.	1811.30	66.15	41058.13	0.00	326.99	150.22	2871.55	21.42	7.73	10150.20	58.14	620.66	407.79	1.50	0.60	2.61
3.	LIC Housing Fin.	539.90	5.38	29697.90	1.85	1349.37	1.62	7179.25	3.48	8.93	28804.92	93.85	5521.36	1349.25	0.77	1.80	7.08
4.	PNB Housing	1007.85	11.95	26255.36	0.50	626.49	32.82	2167.91	16.08	9.46	8184.49	93.96	2196.76	626.49	1.46	2.52	3.62
5.	Aadhar Hsg. Fin.	499.70	21.94	21676.80	0.00	266.47	17.12	897.13	17.38	11.42	3375.53	76.35	987.93	266.47	3.14	4.31	2.55
6.	Aptus Value Hou.	287.10	17.05	14375.75	1.57	226.55	24.50	544.04	29.11	15.05	1998.39	84.25	843.33	226.55	3.09	7.42	1.57
7.	Can Fin Homes	949.80	13.73	12646.98	1.26	251.43	18.89	1049.45	9.04	9.34	4054.47	91.95	921.34	251.43	2.32	2.20	6.61
8.	Reliance Home	2.86	–	138.73	0.00	-0.69	89.78	0.00	-100.00	-432.21	0.22	-1463.64	-4.06	-0.69	–	-25.86	–
–	Median: 16 Co.	460.8	17.05	11966.9	0.42	195.24	24.75	605.53	14.98	9.82	2262.96	77.97	611.96	195.24	1.58	2.44	2.67

Quarterly Results

Standalone figures in ₹ crores

	Dec 2022	Dec 2023	Dec 2024	Jun 2022	Jun 2023	Jun 2024	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Sep 2022	Sep 2023	Sep 2024
Sales	140.77	0.16	0.02	93.63	0.12	0.18	15.88	75.50	0.18	0.00	72.27	0.16	0.02
Expenses	16.24	2.72	2.23	44.76	-6.05	0.28	6,067.77	-9,059.62	5.48	0.53	44.91	0.82	0.40
Operating Profit	124.53	-2.56	-2.21	48.87	6.17	-0.10	-6,051.89	9,135.12	-5.30	-0.53	27.36	-0.66	-0.38
Other Income	-0.05	0.00	0.34	0.13	0.26	0.00	0.47	-274.14	0.00	0.00	6.02	0.00	27.89
Profit before tax	-163.40	-2.56	-1.98	-203.28	6.43	-0.44	-6,572.95	9,619.77	-6.75	-0.69	-239.30	-0.66	27.22
Tax %	52.53%	0.00%	-3.54%	-31.20%	0.00%	0.00%	-31.20%	37.92%	0.00%	0.00%	-31.20%	0.00%	0.00%
Net Profit	-249.24	-2.56	-1.92	-139.86	6.43	-0.44	-4,522.19	5,972.31	-6.75	-0.69	-164.64	-0.66	27.22
EPS in Rs	-5.14	-0.05	-0.04	-2.88	0.13	-0.01	-93.23	123.13	-0.14	-0.01	-3.39	-0.01	0.56

Profit & Loss

Standalone Figures in ₹ Crores / Yearly

	Mar 2014	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025
Sales	429	512	815	1,114	1,683	2,000	1,600	840	293	391	1	0
Expenses	86	90	142	235	373	575	829	1,920	6,802	-8,933	3	3
Operating Profit	342	423	673	879	1,311	1,425	771	-1,081	-6,509	9,324	-2	-3
Other Income	1	0	0	15	0	2	2	0	0	-277	0	28
Interest	277	317	536	749	1,062	1,323	1,337	1,220	1,185	32	1	1
Depreciation	0	0	1	7	2	3	4	3	212	2	0	0
Profit before tax	66	106	137	138	247	102	-567	-2,303	-7,906	9,014	-4	24
Net Profit	43	69	87	173	167	67	-375	-1,520	-5,440	5,419	-4	24
EPS in Rs	6.59	10.49	13.18	14.90	3.45	1.39	-7.74	-31.33	-112.14	111.71	-0.07	0.50
Dividend Payout %	0%	0%	0%	3%	29%	0%	0%	0%	0%	0%	0%	0%

Balance Sheet

Standalone figures in ₹ crores

	Mar 2014	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025
Equity Capital	66	66	66	116	485	485	485	485	485	485	485	485
Reserves	398	468	554	1,014	1,339	1,357	982	-538	-5,977	-559	-562	-538
Borrowings	2,377	3,640	6,548	9,670	13,136	15,699	13,235	12,976	12,714	87	91	40
Other Liabilities	904	1,385	525	547	447	585	1,027	1,975	2,922	22	16	14
Total Liabilities	3,745	5,557	7,694	11,347	15,408	18,125	15,729	14,898	10,144	35	30	2
Fixed Assets	0	39	44	68	264	266	262	259	48	-0	-0	-0
Gross Block	0.89	40.29	45.86	76.24	271.72	276.48	275.83	272.34	62.34	0.00	–	–
Accumulated Depreciation	0.81	0.84	1.55	8.56	7.31	10.69	14.04	13.01	14.64	0.00	–	–
CWIP	-0	-0	-0	-0	2	0	1	-0	0	-0	-0	-0
Investments	320	-0	80	508	54	93	951	1,007	161	-0	-0	-0
Other Assets	3,425	5,518	7,569	10,771	15,087	17,766	14,516	13,631	9,936	35	30	2
Total Assets	3,745	5,557	7,694	11,347	15,408	18,125	15,729	14,898	10,144	35	30	2

Cash Flows

Standalone Figures in ₹ Crores / Yearly

	Mar 2014	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025
Cash from Operating Activity	412	-179	433	-3,296	-3,507	-1,189	4,713	3,068	-597	4,103	-22	9
Cash from Investing Activity	-282	293	-72	-355	496	-55	-856	-1,560	848	-105	1	0
Cash from Financing Activity	-0	-0	-0	3,227	2,818	1,291	-3,927	-1,374	-367	-4,035	4	-9
Net Cash Flow	130	114	362	-425	-194	47	-70	135	-116	-37	-17	0

Ratios

Standalone Figures in ₹ Crores / Yearly

	Mar 2014	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025
Debtor Days	-0	-0	-0	-0	-0	-0	-0	-0	-0	-0	-0	-0
Inventory Days	–	–	–	–	–	–	–	–	–	–	–	–
Days Payable	–	–	–	–	–	–	–	–	–	–	–	–
Cash Conversion Cycle	-0	-0	-0	-0	-0	-0	-0	-0	-0	-0	-0	-0
Working Capital Days	-491	-1,002	-705	-590	-138	-94	-253	-682	-3,301	-4	224	-23,675
ROCE %	13%	12%	12%	10%	10%	9%	5%	-8%	-67%	258%	-17%	-432%

Shareholding Pattern

Numbers in percentages

	Jun 2022	Sep 2022	Dec 2022	Mar 2023	Jun 2023	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025
Promoters	48.78%	48.64%	48.64%	48.64%	43.61%	0.74%	0.74%	0.74%	0.74%	0.74%	0.74%	0.74%
FIIs	2.19%	2.19%	2.19%	2.19%	0.39%	0.39%	0.39%	0.39%	0.00%	0.00%	0.00%	0.00%
DIIs	1.56%	1.55%	1.55%	1.55%	1.55%	1.55%	1.55%	1.55%	1.55%	1.55%	1.54%	1.54%
Public	47.46%	47.60%	47.61%	47.60%	54.44%	97.30%	97.31%	97.32%	97.69%	97.69%	97.70%	97.70%

BSE Announcements AI Summary

Direct from BSE filings, auto-summarised

Reliance Home Finance Ltd: 9th Creditors Committee Meeting Scheduled

14th April 2026, 12:17 am

Reliance Home Finance: 8th Committee of Creditors Meeting Held

6th April 2026, 6:05 pm

Reliance Home Finance: Committee of Creditors Meeting Held on April 03, 2026

6th April 2026, 6:00 pm

Reliance Home Finance Publishes Re-issued Form G for Insolvency Resolution

23rd March 2026, 9:29 pm

Geopolitical Tensions Trigger Market Sell-off, Ambani Scion Questioned in Rs 228 Cr Fraud Case

16th March 2026, 9:06 pm

Published by Other Websites

External media mentions & references

Supreme Court Raps Agencies on Ambani Probe, Demands Action

23rd March 2026, 4:58 pm

ED Seizes ₹581 Cr More Assets from Anil Ambani's Reliance Group

12th March 2026, 10:51 pm

ADAG Group: ED Seizes ₹581 Cr Assets, CBI Files ₹1085 Cr Fraud Case

12th March 2026, 8:18 pm

ED Raids Reliance Power Offices in Ambani Money Laundering Probe

6th March 2026, 10:31 am

ED Summons Tina Ambani; Rs 40,000 Cr ADAG Fraud Probe Intensifies

10th February 2026, 10:08 am

News Articles

Editorial & research coverage

ADAG Faces ₹40K Crore Fraud Probe; SC Mandates 'Fair' Investigation

9th February 2026, 9:02 pm

India Inc. Diverges: Regulators Tighten Grip as Growth Powers Ahead

29th January 2026, 7:48 am

Delhi HC Questions Union Bank Notice to Anil Ambani's Son Over Fraud Claim

12th January 2026, 3:44 pm

ED grills Anil Ambani's son Jai Anmol Ambani in Yes Bank ₹13,000 Crore loan scam probe!

19th December 2025, 8:22 pm

BIG WIN FOR AMBANI SCION: DELHI HIGH COURT OVERTURNS UNION BANK FRAUD TAG ON JAI ANMOL AMBANI LINKED ACCOUNT!

19th December 2025, 7:16 pm

Documents

Announcements

Corporate Insolvency Resolution Process (CIRP)-Intimation of meeting of Committee of Creditors

19 Dec - 4th CoC meeting for Reliance Home Finance CIRP on Dec 15, 2025, 4:00 PM IST (video conferencing).

Corporate Insolvency Resolution Process (CIRP)-Outcome of meeting of Committee of Creditors

19 Dec - Post-facto intimation: 4th Committee of Creditors meeting held Dec 15, 2025 at 4:00 PM.

Corporate Insolvency Resolution Process (CIRP)-Updates - Corporate Insolvency Resolution Process (CIRP)

10 Dec - RP denies receiving CBI notice on alleged Rs228 crore fraud; CIRP ongoing; correspondence updated (Dec 10, 2025).

Clarification sought from Reliance Home Finance Ltd

9 Dec - Exchange has sought clarification from Reliance Home Finance Ltd with reference to the media report appearing on https://www.freepressjournal.in dated December 09, 2025 (Link: https://www.freepressjournal.in/mumbai/cbi-registers-case-against-anil-ambanis-son-jai-anmol-reliance-home-finance-in-rs-228-crore-bank-fraud-case) titled …

Corporate Insolvency Resolution Process (CIRP)-Invitation of Resolution Plan

2 Dec 2025 - Extended Form G for Reliance Home Finance (in CIRP) published Dec 02, 2025 in Financial Express and Navshakti.