RHFLFinancial Services

Reliance Home Finance Limited

Housing Finance Company · ISIN INE217K01011 · BSE 540709 · NSE BZ · FV ₹10
Last price
₹2
-2.23%today
What this company does

Reliance Home Finance Limited operates in Housing Finance Company, part of the Financial Services sector. It booked ₹0.19 L of revenue in its latest quarter (Q4 FY25).

Equitytale Health Score
Insufficient data

We could measure only 45% of what this score needs, so we are not publishing a number for this company. What we could measure is below.

Measures financial condition, not whether to buy. Learn what this score means · How this is calculated

Price momentum
neutral
RSI (14)
39

At close. Not part of the score.

Cash quality53

Whether reported profit actually arrives as cash

Growth & consistency17

Whether sales and profit have grown, and how steadily

Governance & risk72

How much of the promoters' stake is pledged, and how much they hold

Not measurable for this company: profitability & returns, balance sheet, valuation. Those pillars are left out of the score rather than counted as zero.

Is this company doing well?
not investment advice
Some things to watch
Strengths
No promoter shares pledged
Virtually debt-free
Watch-outs
! Currently loss-making
! Sales down 99% vs last year

What if I invest in RHFL?

Set a growth rate and see what a monthly SIP would add up to. Your assumption, our arithmetic.

You would put in
₹12.00 lakh
120 instalments
At 10% a year, it would become
₹20.15 lakh

The starting rate is a round number, not a view on this company — this is your assumption, and the figure above is arithmetic on it. Returns are not steady year to year, and a real holding would not grow in a straight line. We do not publish price targets or predict returns.

Key ratios · latest quarter + price
₹2 -2.23%
latest close · 2026-09-17
1-year return
-50.0%
52-wk low ₹252-wk high ₹7
Is it financially safe?
How much it owes, and whether it can comfortably cover it.
Debt to equity-0.01Comfortable
LowModerateHigh ▸1
Current ratio0.02Tight
Tight ◂1HealthyAmple
More figures
Market cap
₹85 cr
Book value
₹-1
EPS
₹-0.01
latest quarter
Net debt
Enterprise value
EBITDA
EBIT
Operating margin
Return on assets
-174.0%
Earnings yield
P/S
11,169.12
Sales / share
₹0.0
Tax rate
Face value
₹10
Shares
48.5 cr
Working capital
₹-30 cr
Current assets
₹71.4 L
Current liabilities
₹31 cr
Delivery %
68.7%
Strong / safeFairWeak / riskyValuation — a level, not good/badBands are general rules of thumb, not advice.

P/E, ROE, ROCE and margins are annualised from the latest quarter; per-share and balance-sheet ratios use the most recent balance sheet on file · prices as of 2026-09-17.

Worth vs price · from the exchange filings
not investment advice
Hard to value confidentlyLow confidence
One year's profit is a one-off (far above the multi-year norm), so its recurring earnings power is unclear.
Models span ₹2₹3, midpoint ₹2

An educational model from the company's own filings, every assumption shown — not investment advice or a price target. Prices can stay above or below any model for years.

P&L · Q4 FY25 (consolidated)
Revenue from Operations₹0.19 L
Other Income₹0 cr
Total Income₹0.19 L
Cost of Materials₹0 cr
Purchases of Stock-in-Trade₹0 cr
Employee Benefit Expense₹3.8 L
Finance Costs₹16.1 L
Depreciation & Amortisation₹0 cr
Other Expenses₹49.1 L
Total Expenses₹69 L
Profit before Tax₹-68.8 L
Tax Expense₹0 cr
Net Profit₹-68.8 L
Where the money goes · Q4 FY25
% of total spend
Employee benefit expense₹3.8 L5.5%
Finance costs₹16.1 L23.4%
Other expenses₹49.1 L71.2%
Total income ₹0.19 L

The company made a net loss of ₹68.8 L this quarter — income covered only 0 of every ₹100 it spent on costs and tax.

Quarterly results · consolidated (₹ cr)
MetricQ2 FY25Q3 FY25Q4 FY25
Revenue2.3 L2 L0.19 L
Total income7 cr31.2 L0.19 L
Expenses69.5 L2 cr69 L
Profit before tax27 cr-2 cr-68.8 L
Tax0 cr-6.6 L0 cr
Net profit (owners' share)27 cr-2 cr-68.8 L
Net margin (owners' share, on revenue)
EPS (₹)0.56-0.04-0.01
YoY (latest quarter): total income -98.9% · net profit
Balance sheet & cash flow · as of Mar 2025
Debt-free
Total assets
₹2 cr
Shareholder equity
₹-53 cr
parent shareholders
Total debt
₹9 cr
Cash
₹50.4 L
Cash flow · H1 FY25
Operating
₹10 cr
Investing
₹0 cr
Financing
₹-10 cr
Peer comparison
Housing Finance Company · by market value
CompanyPriceMarket capP/E
Bajaj Housing Finance Limited₹83₹68,879 cr24.0
LIC Housing Finance Limited₹546₹30,046 cr5.0
PNB Housing Finance Limited₹1,104₹28,756 cr12.9
Aadhar Housing Finance Limited₹469₹20,527 cr18.1
Sammaan Capital Limited₹142₹16,308 cr16.7
Home First Finance Company India Limited₹1,173₹12,264 cr19.2
Aptus Value Housing Finance India Limited₹239₹11,977 cr11.5
Can Fin Homes Limited₹774₹10,312 cr9.6
Aavas Financiers Limited₹1,292₹10,223 cr17.9
Same industry · latest reported numbers · not a recommendation.
Corporate actions
Dividend yield
trailing 12 months
Dividend / share (TTM)
Last dividend
₹1
ex 12 Sep 2018
ActionDetailEx-date
Dividend₹1 / share12 Sep 2018
Who owns it · 2025-03-31
No pledge
Promoter
0.7%
FII / Foreign
0.0%
DII / Domestic
1.6%
Retail / others
97.7%
Promoter stake down 48.0% over the last 12 quarters.
Smart-money activity
Insider trades
SoldReliance Capital Limited · Promoters5.20 cr · ₹11.1 cr9 Aug 23
SoldReliance Capital Limited · Promoters6.42 cr · ₹13.4 cr9 Aug 23
SoldReliance Capital Limited · Promoters70.48 L · ₹1.9 cr4 Aug 23
Bulk / block deals
SoldSUSHMA SATISH SHAH · NSE28.70 L @ ₹2.318 May 26
SoldISHAAN TRADEFIN LLP · NSE27.00 L @ ₹5.0130 May 25
BoughtISHAAN TRADEFIN LLP · NSE22.50 L @ ₹4.9330 May 25
Stake changes
SoldReliance Capital Limited · promoter→ 0.00% · 11.62 cr10 Aug 23
SoldReliance Capital Limited · promoter→ 23.95% · 7.12 cr7 Aug 23
SoldReliance Capital Limited · promoter→ 38.64% · 1.69 cr3 Aug 23
Promoter pledges
InvokedTrustee Axis Trustee Services Ltd LendersDebentures Holders Franklin India Short Term Income Plan, Franklin India Low Duration Fund, Franklin India Credit Risk Fund, Franklin India Dynamic Accrual Fund, Franklin india Income Opportunities Fund2.08 cr · 7.74% held3 Mar 20
InvokedTrustee Axis Trustee Services Ltd Lenders/Debenture Holders Franklin india Short Term Income Plan, Frankin India Low Duration Fund, Franklin India Credit Risk Fund1.67 cr · 7.74% held3 Mar 20
InvokedTrustee Axis Trustee Services Ltd Lenders/Debenture Holders Franklin india Short Term Income Plan, Frankin India Low Duration Fund, Franklin India Credit Risk Fund, Franklin India Dynamic Accrual Fund, Franklin India Income Opportunities Fund5.76 L · 0.12% held3 Mar 20
Who controls this company, and what it pays them

Most Indian companies are controlled by a family or group — the promoters. The exchange requires them to be listed by name, including members who own no shares at all, and requires the company to disclose any business it does with them.

The promoter group — 12 named members
owning 0.7% between them · as of 2025-03-31
Reliance Infrastructure Consulting & Engineers Private Limited0.61%
Anil D. Ambani0.06%
Tina A Ambani0.05%
Jai Anmol A Ambani0.01%
CLE Private Limitedno shares
Jai Anshul A Ambanino shares
Kokila D. Ambanino shares
Reliance Capital Limitedno shares

Names and holdings from the company’s shareholding pattern filed with the exchange; transactions from the related-party note in its annual report. Every figure is as filed — these are legal, disclosed dealings, and what to make of them is your call.

How the stock has moved · adjusted for splits & bonuses
Data from primary exchange filings · analysis tool, not investment advice.