Reliance Home Finance Ltd logo

Reliance Home Finance Ltd

RHFL NSE

Key Fundamentals

MicrocapHousing FinanceFinancial Services
Market Cap
₹91.10 Cr
Volatility
Moderate
P/E Ratio
3.7
EBITDA
₹9,324 Cr
Return on Equity
-7,339.25%
Debt to Equity
0
Book Value
₹-1.09
52W High
₹5.19
52W Low
₹1.7

Insights

Beta

AI-extracted from concalls & annual reports · figures as reported, with sources

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33 extracted metrics + investor summaries across FY14–FY25.

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Tapetide Score

Data-driven rating, 0–100. How it works →

Technical Indicators

Key Insights

Strengths

1
  • Company has reduced debt.

Weaknesses

3
  • Company has low interest coverage ratio.
  • The company has delivered a poor sales growth of -83.1% over past five years.
  • Promoter holding is low: 0.74%

Growth Rate

Revenue Growth
33.36% ↗
Net Income Growth
-199.61% ↘
Cash Flow Change
786.84% ↗
ROE
-7510.39% ↘
ROCE
-67909.64% ↘
EBITDA Margin (Avg.)
-207.43% ↘

Quarterly Results

  Mar 2022Jun 2022Sep 2022Dec 2022Mar 2023Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025
Sales
15.88
93.63
72.27
141
75.5
0.12
0.16
0.16
0.18
0.18
0.02
0.02
0
Expenses
6,068
44.76
44.91
16.24
-9,060
-6.05
0.82
2.72
5.48
0.28
0.4
2.23
0.53
Operating Profit
-6,052
48.87
27.36
125
9,135
6.17
-0.66
-2.56
-5.3
-0.1
-0.38
-2.21
-0.53
OPM %
-38110.14%
52.19%
37.86%
88.46%
12099.5%
5141.67%
-412.5%
-1600%
-2944.44%
-55.56%
-1900%
-11050%
—
Other Income
0.47
0.13
6.02
-0.05
-274
0.26
0
0
0
0
27.89
0.34
0
Interest
311
252
272
267
-759
0
0
0
1.45
0.34
0.29
0.11
0.16
Depreciation
210
0.51
0.49
21.25
0.48
0
0
0
0
0
0
0
0
PBT
-6,573
-203
-239
-163
9,620
6.43
-0.66
-2.56
-6.75
-0.44
27.22
-1.98
-0.69
Tax %
-31.2%
-31.2%
-31.2%
52.53%
37.92%
0%
0%
0%
0%
0%
0%
-3.54%
0%
Net Profit
-4,522
-140
-165
-249
5,972
6.43
-0.66
-2.56
-6.75
-0.44
27.22
-1.92
-0.69
EPS in Rs
-93.23
-2.88
-3.39
-5.14
123
0.13
-0.01
-0.05
-0.14
-0.01
0.56
-0.04
-0.01
Figures in ₹ Crores

Profit & Loss

  Mar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 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
OPM %
80%
82%
83%
79%
78%
71%
48%
-129%
-2220%
2384%
-381%
-1464%
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
PBT
66
106
137
138
247
102
-567
-2,303
-7,906
9,014
-4
24
Tax %
34%
35%
37%
-25%
32%
34%
-34%
-34%
-31%
40%
0%
0%
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
14.9
3.45
1.39
-7.74
-31.33
-112
112
-0.07
0.5
Div. Payout %
0%
0%
0%
3%
29%
0%
0%
0%
0%
0%
0%
0%
Figures in ₹ Crores

Balance Sheet

  Mar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 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
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
Figures in ₹ Crores

Cash Flow

  Mar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025
Operating
412
-179
433
-3,296
-3,507
-1,189
4,713
3,068
-597
4,103
-22
9
Investing
-282
293
-72
-355
496
-55
-856
-1,560
848
-105
1
0
Financing
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
Free Cash Flow
412
-219
433
-3,294
-3,508
-1,194
4,714
3,072
-598
4,145
-22
9
CFO/OP
122
-37
69
-372
-265
-81
614
-284
9
44
997
-279
Figures in ₹ Crores

Ratios

  Mar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025
Debtor Days
0
0
0
0
0
0
0
0
0
0
0
0
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

As of Mar 2025
Public 88.97%
Others 8.74%
DIIs 1.55%
Promoters 0.74%
FIIs 0.01%
Government 0.01%
Total 100.02%
  Mar 2021Jun 2021Sep 2021Dec 2021Mar 2022Jun 2022Sep 2022Dec 2022Mar 2023Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025
Promoters
49.58%
49.58%
49.58%
49.58%
49.58%
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
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.39%
0.00%
0.39%
0.01%
0.01%
0.01%
0.01%
DIIs
1.76%
1.56%
1.56%
1.56%
1.56%
1.56%
1.58%
1.56%
1.56%
1.56%
1.56%
1.55%
1.56%
1.56%
1.56%
1.55%
1.55%
Government
0.01%
0.01%
0.01%
0.01%
0.01%
0.01%
0.01%
0.01%
0.01%
0.01%
0.01%
0.01%
0.01%
0.01%
0.01%
0.01%
0.01%
Public
41.42%
39.69%
42.83%
42.58%
42.50%
43.68%
42.70%
42.89%
43.22%
48.75%
89.09%
87.67%
87.67%
88.08%
88.08%
88.97%
88.97%
Others
7.23%
9.16%
6.02%
6.27%
6.36%
5.97%
7.08%
6.90%
6.58%
6.08%
8.22%
10.03%
9.64%
9.61%
9.61%
8.74%
8.74%
No. of Shareholders
0
8,35,236
8,43,772
8,44,905
8,47,948
8,53,215
8,52,814
8,60,494
8,54,262
8,54,351
8,82,115
9,04,907
9,50,122
9,60,349
9,60,349
10,06,310
10,06,310

Documents

1
Concall - Feb 2018 Feb 2018
2
Concall - Apr 2018 Apr 2018
3
Concall - Sep 2018 Sep 2018
4
Concall - Nov 2018 Nov 2018
5
Concall - Feb 2019 Feb 2019

Frequently Asked Questions about Reliance Home Finance Ltd

What does Reliance Home Finance Ltd do?
Incorporated in 2008, Reliance Home Finance Ltd is in housing finance business[1]
Where is Reliance Home Finance Ltd (RHFL) listed?
Reliance Home Finance Ltd is listed on the Indian stock exchanges. It is listed on NSE: RHFL and BSE: 540709. You can view its live share price, financials, and ratios on Tapetide.
Which sector does Reliance Home Finance Ltd belong to?
Reliance Home Finance Ltd operates in the Financial Services sector within the Housing Finance industry. Sector classification helps investors compare companies affected by similar economic conditions and regulatory changes.
What is the market capitalisation of Reliance Home Finance Ltd?
Reliance Home Finance Ltd has a market capitalisation of approximately ₹91.10 Cr. Based on this, it is classified as a Small Cap stock.
What is the PE ratio of Reliance Home Finance Ltd?
The Price-to-Earnings (PE) ratio of Reliance Home Finance Ltd is 3.70. The PE ratio compares a company's share price to its earnings per share and is commonly used to assess whether a stock is overvalued or undervalued relative to its peers.
What is the 52-week high and low of Reliance Home Finance Ltd?
Over the past 52 weeks, Reliance Home Finance Ltd has traded between a low of ₹1.7 and a high of ₹5.19. This range helps investors understand the stock's price volatility and recent trading levels.
What is the Return on Equity (ROE) of Reliance Home Finance Ltd?
Reliance Home Finance Ltd has a Return on Equity (ROE) of -7339.25%. ROE measures how effectively a company uses shareholders' equity to generate profits. A higher ROE generally indicates better capital efficiency.
How can I research Reliance Home Finance Ltd on Tapetide?
On Tapetide, you can view Reliance Home Finance Ltd's live share price, quarterly results, profit & loss statements, balance sheet, cash flow, key ratios, shareholding pattern, technical indicators, analyst ratings, and forecasts — all on a single page without needing to sign up.

Company Information

Incorporated in 2008, Reliance Home Finance Ltd is in housing finance business[1]

Website reliancehomefinance.com
CEO Mr. Aravind Panchapakesan
Listed 2017-09-22
Face Value ₹ 10
Issued Size 48,50,58,818

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