Reliance Home Finance
Financial Services
RHFL NSE
₹1.60 0.04 (2.56%)
Market Cap
₹77.53 Cr
P/E
3.20
Key Fundamentals
MicrocapHousing FinanceFinancial ServicesMarket Cap
₹77.53 Cr
P/E (TTM)
3.2
EBITDA
₹9,324 Cr
Return on Equity
-7,339.25%
Debt to Equity
0
Book Value
−₹1.09
EPS (TTM)
₹0.50
52W High
₹3.90
52W Low
₹1.53
Price-based figures as of 13 Oct 2026, 15:29 IST · TTM
Peer Comparison
Financial Services › Housing Finance › Housing Finance Company
| ₹82.68 | 25.60 | 68,892 Cr | 3.06 | 0.00% | 11.37% | 8.44% | 11,605 Cr | 2,692 Cr | |
| ₹1,224.80 | 13.57 | 31,943 Cr | 1.66 | 0.69% | 11.92% | 9.02% | 8,689 Cr | 2,350 Cr | |
| ₹564.00 | 5.41 | 31,024 Cr | 0.75 | 1.81% | 13.53% | 9.36% | 28,543 Cr | 5,739 Cr | |
| ₹445.50 | 16.98 | 19,530 Cr | 2.60 | 0.00% | 14.53% | 10.62% | 3,833 Cr | 1,140 Cr | |
| ₹134.90 | — | 15,669 Cr | 0.87 | 1.58% | -37.62% | -4.73% | 7,463 Cr | -7,236 Cr | |
| ₹1,090.00 | 19.52 | 11,397 Cr | 2.62 | 0.48% | 12.40% | 10.03% | 2,007 Cr | 581 Cr | |
| ₹224.90 | 11.43 | 11,264 Cr | 2.23 | 2.09% | 18.64% | 14.40% | 2,326 Cr | 985 Cr | |
| ₹736.90 | 8.69 | 9,812 Cr | 1.53 | 2.09% | 18.16% | 9.73% | 4,376 Cr | 1,130 Cr | |
| ₹1,210.00 | 13.96 | 9,595 Cr | 1.90 | 0.00% | 13.00% | 8.96% | 2,096 Cr | 687 Cr | |
| ₹628.00 | 13.53 | 6,856 Cr | 2.14 | 1.55% | 15.73% | 11.77% | 1,529 Cr | 503 Cr | |
| Reliance Home Finance (this company) | ₹1.60 | 3.20 | 78 Cr | — | 0.00% | -7,339.25% | 68,731.85% | 29 Cr | 24 Cr |
| Median 11 companies | ₹564.00 | 13.55 | 11,397 Cr | 2.02 | 0.69% | 13.00% | 9.73% | 3,833 Cr | 985 Cr |
Comparable companies in the same industry. Market cap, P/E and P/B use the live price; other metrics are as reported in filings. A dash means the figure is not published for that company.
Tapetide Score
Data-driven rating, 0–100. How it works →
As of 2026-10-12
v2.0.0
v2.0.0
40 Weak
Overall score
Data confidence 91/100
surveillance:GSM
Category scores
Quality Weak 37
Returns, margins, earnings quality 22%
Valuation Strong 79
Cheap vs sector & own history 24%
Growth Poor 15
Sales & profit trajectory 9%
Financial Health Strong 99
Solvency, leverage, coverage 9%
Momentum Poor 14
Trend strength, vol-adjusted 12%
Ownership Average 50
FII/DII/promoter flows 24%
Capped: a governance trigger overrides the
fundamentals here (surveillance:GSM ≤ 40).
The Tapetide Score is data analysis, not investment advice. Tapetide is not a SEBI-registered research analyst or investment adviser.
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%
Technical Indicators
Oscillators
Bullish
Bearish
2
Neutral
3
Bullish
4
Overall
Bearish
Bearish
12
Neutral
3
Bullish
4
Moving Averages
Bearish
Bearish
10
Neutral
0
Bullish
0
Growth Rate
Revenue Growth
33.36% higher than
3Y
change over 1 year
Net Income Growth
-200% lower than
3Y
change over 1 year
Cash Flow Change
787%
change over 1 year
EBITDA Margin Change
-207%
change over 1 year
Quarterly Results
| Particulars | Mar 2022 | Jun 2022 | Sep 2022 | Dec 2022 | Mar 2023 | Jun 2023 | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 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 (₹) | -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 |
Profit & Loss
| Particulars | 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 |
| 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 (₹) | 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% |
Balance Sheet
| Particulars | 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 |
| 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 Flow
| Particulars | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 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 |
Ratios
| Particulars | 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 | — |
| Cash Conversion Cycle | 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 | — |
| ROCE % | 13% | 12% | 12% | 10% | 10% | 9% | 5% | -8% | -67% | 258% | -17% | -432% |
Insights
BetaAI-extracted from concalls & annual reports · figures as reported, with sources
Log in to view Reliance Home Finance insights
55 extracted metrics + investor summaries across FY14–FY25.
Documents
1
Corporate Insolvency Resolution Process (CIRP)-Outcome of meeting of Committee of Creditors 17 Apr 2026
2
Corporate Insolvency Resolution Process (CIRP)-Intimation of meeting of Committee of Creditors 13 Apr 2026
3
Corporate Insolvency Resolution Process (CIRP)-Intimation of meeting of Committee of Creditors 6 Apr 2026
1
Corporate Insolvency Resolution Process (CIRP)-Outcome of meeting of Committee of Creditors 23 Sept 2026
General_Announcements
2
Corporate Insolvency Resolution Process (CIRP)-Intimation of meeting of Committee of Creditors 17 Sept 2026
General_Announcements
3
Corporate Insolvency Resolution Process (CIRP)-Outcome of meeting of Committee of Creditors 10 Aug 2026
General_Announcements
4
Corporate Insolvency Resolution Process (CIRP)-Intimation of meeting of Committee of Creditors 4 Aug 2026
General_Announcements
5
Corporate Insolvency Resolution Process (CIRP)-Outcome of meeting of Committee of Creditors 17 Jul 2026
General_Announcements
Frequently Asked Questions about Reliance Home Finance
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 trades as RHFL on the NSE and under code 540709 on the BSE.
Which sector does Reliance Home Finance Ltd belong to?
Reliance Home Finance Ltd is classified under the Financial Services sector, in the Housing Finance industry.
What is the market capitalisation of Reliance Home Finance Ltd?
Reliance Home Finance Ltd has a market capitalisation of ₹77.53 Cr as of 13 Oct 2026, which places it in the Small Cap band.
What is the PE ratio of Reliance Home Finance Ltd?
Reliance Home Finance Ltd trades at a PE ratio of 3.20 as of 13 Oct 2026, on earnings per share of ₹0.5, against a book value of ₹-1.09 per share.
What is the 52-week high and low of Reliance Home Finance Ltd?
Over the last 52 weeks Reliance Home Finance Ltd has traded between ₹1.53 and ₹3.9 as of 13 Oct 2026.
What is the Return on Equity (ROE) of Reliance Home Finance Ltd?
Reliance Home Finance Ltd reported a return on equity of -7339.25%. Its debt-to-equity ratio is 0.00.
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
Shares Outstanding 48,45,55,683
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