India Home Loan FY26 Results: Profit Declines Amid Revenue Growth

Net Profit after Tax: ₹0.0964 crore | Revenue from Operations: ₹14.80 crore

Reader Takeaway: Revenue grew, but profit dipped; auditors stress increasing revenue to improve performance.

What just happened

India Home Loan Limited has announced its audited financial results for the fiscal year ending March 31, 2026. The company reported a significant decrease in net profit after tax, which stood at ₹0.0964 crore (₹9.64 lakh), a 65% drop from ₹0.2728 crore (₹27.28 lakh) in FY 2025. Basic Earnings Per Share (EPS) also fell to ₹0.07 from ₹0.19.

However, the company saw its revenue from operations increase to ₹14.80 crore (₹1,479.65 lakh) in FY26, up from ₹13.60 crore (₹1,360.17 lakh) in the previous fiscal year.

Why this matters

The decline in profitability, despite revenue growth, is a key concern for investors. The auditor's emphasis on the need to increase revenue signals a challenge for the company's future earnings potential. While the company has a provision coverage ratio of 100%, its Gross NPA stands at 2.69% and Net NPA at 1.93%.

The backstory

India Home Loan Limited operates in the housing finance sector. The company had issued Non-Convertible Debentures (NCDs) in September 2020. As of March 31, 2026, it has repaid ₹3.38 crore against these NCDs.

What changes now

Investors will be closely watching management's strategies to boost revenue and improve the bottom line. The company's classification as a 'Large Corporate' as per SEBI criteria means increased compliance and reporting responsibilities.

Risks to watch

The primary risk highlighted by the auditors is the need for increased revenue to ensure sustainable profitability. Asset quality, indicated by NPA levels, will also be a critical factor to monitor.

Peer comparison

As of March 31, 2026, India Home Loan's Gross NPA stood at 2.69% and Net NPA at 1.93%. Other housing finance companies in India typically manage their NPAs within similar or lower ranges, depending on their risk appetite and operational efficiency.

Context metrics (as of March 31, 2026)

• Total Debt to Total Assets ratio was 44.33%.
• Gross NPA (Stage 3): 2.69%
• Net NPA (Stage 3): 1.93%
• Provision Coverage Ratio: 100.00%

What to track next

Shareholders should monitor quarterly results for improvements in profitability and revenue growth. The company's efforts to manage its debt obligations and maintain asset quality will also be crucial.