Indiabulls Housing Finance Ltd, incorporated in 2005, is registered with and regulated by National Housing Bank (NHB) and is engaged in the business of providing home loans and loan against property. It also provides corporate mortgage loan - lease rental discounting and residential construction finance.[1]
Offerings[1]1 Home Loans:The company offers home loans in the affordable housing segment with loan amounts ranging from Rs. 15-30 lakh and interest rates between 9.75% and 11.50% with an average tenure of 15 years and are available to salaried and self-employed customers.
| 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 | 95.90 | 33.85 | 79907.06 | 0.00 | 642.96 | 17.84 | 2754.85 | 14.30 | 9.55 | 10327.38 | 90.96 | 2360.96 | 642.96 | 3.79 | 2.35 | 4.44 |
| 2. | Piramal Finance. | 1854.00 | 67.77 | 42026.04 | 0.00 | 326.99 | 150.22 | 2871.55 | 21.42 | 7.73 | 10150.20 | 58.14 | 620.66 | 407.79 | 1.53 | 0.60 | 2.61 |
| 3. | LIC Housing Fin. | 537.25 | 5.36 | 29552.16 | 1.83 | 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 | 1005.50 | 11.89 | 26194.21 | 0.50 | 626.49 | 32.82 | 2167.91 | 16.08 | 9.46 | 8184.49 | 93.96 | 2196.76 | 626.49 | 1.47 | 2.52 | 3.62 |
| 5. | Aadhar Hsg. Fin. | 497.00 | 21.87 | 21559.69 | 0.00 | 266.47 | 17.12 | 897.13 | 17.38 | 11.42 | 3375.53 | 76.35 | 987.93 | 266.47 | 3.18 | 4.31 | 2.55 |
| 6. | Aptus Value Hou. | 287.50 | 17.05 | 14395.83 | 1.58 | 226.55 | 24.50 | 544.04 | 29.11 | 15.05 | 1998.39 | 84.25 | 843.33 | 226.55 | 2.99 | 7.42 | 1.57 |
| 7. | Sammaan Capital | 150.00 | 10.86 | 12429.96 | 0.00 | 275.45 | 149.25 | 2062.55 | -0.17 | 9.12 | 8036.80 | 75.24 | 1148.44 | 275.45 | 0.53 | 1.41 | 1.85 |
| – | Median: 16 Co. | 460.82 | 17.05 | 11984.69 | 0.42 | 195.24 | 24.75 | 605.53 | 14.98 | 9.82 | 2262.96 | 77.97 | 611.96 | 195.24 | 1.56 | 2.44 | 2.67 |
Standalone figures in ₹ crores
| Dec 2022 | Dec 2023 | Dec 2024 | Jun 2023 | Jun 2024 | Jun 2025 | Mar 2023 | Mar 2024 | Mar 2025 | Sep 2022 | Sep 2023 | Sep 2024 | Sep 2025 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Sales | – | – | – | – | – | – | – | – | – | – | – | – | – |
Expenses | 393 | 318 | 390 | 226 | 376 | 638 | 355 | 479 | 506 | 220 | 308 | 777 | 456 |
Operating Profit | – | – | – | – | – | – | – | – | – | – | – | – | – |
Other Income | 3 | 71 | 3 | 18 | 31 | 8 | 4 | 52 | 25 | 4 | 18 | 2 | 7 |
Profit before tax | 312 | 304 | 386 | 304 | 339 | 412 | 298 | 354 | 405 | 293 | 333 | 144 | 373 |
Tax % | 26% | 26% | 27% | 21% | 24% | 28% | 28% | 22% | 27% | 24% | 26% | 23% | 26% |
Net Profit | 229 | 226 | 282 | 241 | 257 | 297 | 216 | 276 | 294 | 222 | 248 | 111 | 275 |
EPS in Rs | 3.24 | 3.06 | 3.81 | 3.41 | 5.17 | 3.59 | 3.06 | 3.73 | 3.54 | 3.14 | 3.44 | 1.53 | 3.33 |
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 | TTM | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Sales | – | – | – | – | – | – | – | – | – | – | – | – | – |
Expenses | 557 | 744 | 927 | 1,290 | 2,093 | 1,196 | 1,059 | 958 | 883 | 1,061 | 1,331 | 1,904 | 1,990 |
Operating Profit | – | – | – | – | – | – | – | – | – | – | – | – | – |
Other Income | 13 | 8 | 3 | 65 | 14 | 31 | 14 | 31 | 12 | 17 | 55 | 4 | 43 |
Interest | 3,232 | 3,844 | 4,842 | 6,315 | 7,711 | 9,057 | 7,710 | 6,308 | 5,865 | 5,131 | 4,833 | 4,410 | 4,435 |
Depreciation | 8 | 18 | 19 | 21 | 27 | 37 | 98 | 91 | 74 | 83 | 81 | 79 | 78 |
Profit before tax | 1,901 | 2,533 | 3,053 | 3,681 | 3,928 | 5,148 | 2,547 | 1,392 | 956 | 1,106 | 1,294 | 1,274 | 1,576 |
Net Profit | 1,510 | 1,978 | 2,294 | 2,842 | 3,185 | 3,729 | 2,160 | 1,058 | 696 | 819 | 990 | 943 | 1,148 |
EPS in Rs | 30.13 | 37.09 | 36.31 | 44.71 | 49.79 | 58.17 | 33.67 | 15.26 | 9.90 | 11.58 | 13.40 | 11.38 | 14.27 |
Dividend Payout % | 64% | 49% | 83% | 40% | 55% | 46% | 61% | 39% | 0% | 7% | 12% | 18% | – |
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 | Sep 2025 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Equity Capital | 67 | 71 | 84 | 85 | 85 | 85 | 86 | 92 | 94 | 94 | 115 | 166 | 166 |
Reserves | 5,400 | 6,421 | 10,420 | 11,785 | 15,470 | 17,173 | 14,844 | 15,430 | 15,559 | 15,935 | 17,941 | 22,627 | 23,119 |
Borrowings | – | – | – | – | – | – | – | – | – | – | – | – | – |
Other Liabilities | 3,121 | 3,094 | 3,918 | 5,909 | 7,127 | 6,639 | 4,682 | 4,878 | 3,529 | 4,639 | 4,176 | 4,888 | 2,744 |
Total Liabilities | 43,078 | 55,143 | 74,385 | 100,290 | 126,899 | 120,103 | 92,653 | 83,472 | 76,079 | 68,141 | 65,797 | 68,065 | 69,218 |
Fixed Assets | 46 | 52 | 65 | 84 | 97 | 141 | 376 | 229 | 263 | 365 | 284 | 327 | 299 |
Gross Block | 105.10 | 131.97 | 163.68 | 201.33 | 234.71 | 311.02 | 581.92 | 464.83 | 531.64 | 676.15 | 595.36 | 627.96 | – |
Accumulated Depreciation | 59.08 | 80.37 | 98.43 | 117.50 | 137.69 | 170.50 | 206.35 | 236.06 | 268.43 | 310.92 | 310.90 | 300.70 | – |
CWIP | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Investments | 3,491 | 6,731 | 11,248 | 14,165 | 17,927 | 25,926 | 16,167 | 10,018 | 10,223 | 9,913 | 9,945 | 16,752 | 17,298 |
Other Assets | 39,541 | 48,360 | 63,072 | 86,041 | 108,875 | 94,036 | 76,110 | 73,226 | 65,593 | 57,863 | 55,567 | 50,985 | 51,622 |
Total Assets | 43,078 | 55,143 | 74,385 | 100,290 | 126,899 | 120,103 | 92,653 | 83,472 | 76,079 | 68,141 | 65,797 | 68,065 | 69,218 |
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 | -1,362 | -8,459 | -12,384 | -16,307 | -20,009 | 27,426 | 14,080 | 7,601 | 1,448 | 1,767 | 30 | 6,692 |
Cash from Investing Activity | -671 | -2,092 | -4,968 | -2,146 | 510 | -7,446 | 9,726 | 2,581 | 1,284 | 2,583 | 2,000 | -5,320 |
Cash from Financing Activity | 1,964 | 10,210 | 16,080 | 21,030 | 18,467 | -10,506 | -25,672 | -10,428 | -6,371 | -9,118 | -2,593 | -1,120 |
Net Cash Flow | -69 | -341 | -1,272 | 2,577 | -1,032 | 9,474 | -1,865 | -246 | -3,640 | -4,768 | -563 | 252 |
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 | – | – | – | – | – | – | – | – | – | – | – | – |
Inventory Days | – | – | – | – | – | – | – | – | – | – | – | – |
Days Payable | – | – | – | – | – | – | – | – | – | – | – | – |
Cash Conversion Cycle | – | – | – | – | – | – | – | – | – | – | – | – |
Working Capital Days | – | – | – | – | – | – | – | – | – | – | – | – |
ROCE % | – | – | – | – | – | – | – | – | – | – | – | – |
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Stock Analysis
Sammaan Capital Limited (formerly Indiabulls Housing Finance) provides home loans and loan against property. It also offers corporate mortgage loans and lease rental discounting.
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