RHFL
Reliance Home Finance Limited
Housing finance company that has exited the business
Financial Services›Financial Services›Finance›Housing Finance Company
reliancehomefinance.com(opens the company website in a new tab)Key metrics
Price as of 2026-10-16
Stock price
₹1.52
Market cap
74 Cr
Latest results
Mar 2025 — none since
Full years shown; sign in free for the trailing twelve months. Learn about these metrics →
Price & valuation
Share price and valuation multiples (P/E, P/B and more) over time.
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Compare with peers
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What you need to know
Reliance Home Finance is a former housing finance company that no longer lends.
Company snapshot
14thBy market cap
Ranked among 14 companies in Housing Finance Company.
What we see
Positives
- ✓Net margin of 10859.6% — the business keeps a healthy share of every rupee it earns.
Concerns
- ✗Interest coverage of -3.6x — earnings barely cover interest payments, which is a warning sign.
1 more signal from the filings.Sign in free to see them all
Statement tables · Standalone
Switches quarterly, P&L, balance sheet, and cash flow. Key metrics and ratios stay on consolidated when available.
Standalone only
Amounts in ₹ Cr · tap + to expand rows
Quarterly results
Quarterly · ₹ Cr · tap + rows to expand
| Metric | Mar 2022 | Sept 2022 | Dec 2022 | Mar 2023 | Jun 2023 | Sept 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sept 2024 | Dec 2024 | Mar 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Net Interest Income | -298 Cr | -201 Cr | -127 Cr | 834 Cr | 0.12 Cr | 0.16 Cr | 0.16 Cr | — | — | — | — | — |
| Other income | 0.47 Cr | 6 Cr | 0 Cr | 3 Cr | 0 Cr | 0 Cr | 0 Cr | 0 Cr | 0 Cr | 7 Cr | 0.29 Cr | 0 Cr |
| Net operating income | -297 Cr | -195 Cr | -127 Cr | 837 Cr | 0.12 Cr | 0.16 Cr | 0.16 Cr | 0 Cr | 0 Cr | 7 Cr | 0.29 Cr | 0 Cr |
| Employee cost | 0.15 Cr | 4 Cr | 4 Cr | 2 Cr | 0.46 Cr | 0.61 Cr | 0.50 Cr | 1 Cr | 0.08 Cr | 0.06 Cr | 0.07 Cr | 0.04 Cr |
| Other expenses | 9 Cr | 30 Cr | 12 Cr | 51 Cr | -7 Cr | 0.22 Cr | 2 Cr | 4 Cr | 0.19 Cr | 0.34 Cr | 2 Cr | 0.49 Cr |
| Provisions & contingencies | — | — | — | — | — | — | — | — | — | — | — | — |
| Depreciation | 210 Cr | 0.49 Cr | 0.48 Cr | 0.48 Cr | 0 Cr | 0 Cr | 0 Cr | 0 Cr | 0 Cr | 0 Cr | 0 Cr | 0 Cr |
| Profit before tax | -6,573 Cr | -239 Cr | -163 Cr | 9,620 Cr | 6 Cr | -0.67 Cr | -3 Cr | -7 Cr | -0.44 Cr | 27 Cr | -2 Cr | -0.69 Cr |
| Tax % | 31.2% | 31.2% | -52.5% | 37.9% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 3.3% | 0.0% |
| Net profit | -4,522 Cr | -165 Cr | -249 Cr | 5,972 Cr | 6 Cr | -0.67 Cr | -3 Cr | -7 Cr | -0.44 Cr | 27 Cr | -2 Cr | -0.69 Cr |
| EPS (₹) | ₹-93.24 | ₹-3.39 | ₹-5.14 | ₹123.14 | ₹0.13 | ₹-0.01 | ₹-0.05 | ₹-0.14 | — | ₹0.56 | ₹-0.04 | ₹-0.01 |
Profit & loss (annual)
Annual · last column is TTM · ₹ Cr · tap + to expand
| Metric | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|
| Net Interest Income | — | — | — | 219 Cr | -431 Cr | -908 Cr | 346 Cr | — | — | Sign in free for the trailing twelve months |
| Other income | 71 Cr | 68 Cr | 17 Cr | 16 Cr | 37 Cr | 3 Cr | 9 Cr | 0 Cr | 0 Cr | Sign in free for the trailing twelve months |
| Net operating income | 71 Cr | 68 Cr | 17 Cr | 234 Cr | -394 Cr | -905 Cr | 355 Cr | 0 Cr | 0 Cr | Sign in free for the trailing twelve months |
| Employee cost | 94 Cr | 118 Cr | 125 Cr | 73 Cr | 36 Cr | 17 Cr | 14 Cr | 3 Cr | 0.25 Cr | Sign in free for the trailing twelve months |
| Other expenses | 158 Cr | 218 Cr | 450 Cr | 101 Cr | 69 Cr | 80 Cr | 105 Cr | 0.32 Cr | 3 Cr | Sign in free for the trailing twelve months |
| Provisions & contingencies | — | — | — | — | — | — | — | — | — | Sign in free for the trailing twelve months |
| Depreciation | 7 Cr | 26 Cr | 3 Cr | 4 Cr | 3 Cr | 212 Cr | 2 Cr | 0 Cr | 0 Cr | Sign in free for the trailing twelve months |
| Profit before tax | 138 Cr | 272 Cr | 102 Cr | -567 Cr | -2,303 Cr | -7,906 Cr | 9,014 Cr | -4 Cr | 24 Cr | Sign in free for the trailing twelve months |
| Tax % | -25.2% | 33.5% | 33.6% | 33.8% | 34.0% | 31.2% | 39.9% | 0.0% | -0.3% | Sign in free for the trailing twelve months |
| Net profit | 173 Cr | 181 Cr | 67 Cr | -375 Cr | -1,520 Cr | -5,440 Cr | 5,419 Cr | -4 Cr | 24 Cr | Sign in free for the trailing twelve months |
| EPS (₹) | ₹20.45 | ₹5.57 | ₹1.38 | ₹-7.74 | ₹-31.33 | ₹-112.15 | ₹111.72 | ₹-0.07 | ₹0.50 | Sign in free for the trailing twelve months |
| Dividend payout % | — | — | — | — | — | — | 0.0% | — | 0.0% | Sign in free for the trailing twelve months |
Sign in free for the trailing twelve months
The latest four quarters added up, next to each full year
Balance sheet
Annual · ₹ Cr · tap + rows to expand
| Metric | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|---|---|---|---|---|
| Equity capital | 116 Cr | 516 Cr | 485 Cr | 485 Cr | 485 Cr | 485 Cr | 485 Cr | 485 Cr | 485 Cr |
| Reserves | 1,014 Cr | 1,413 Cr | 1,357 Cr | — | — | — | -559 Cr | -562 Cr | -538 Cr |
| Borrowings | 8,281 Cr | 11,544 Cr | — | — | — | — | 87 Cr | — | 9 Cr |
| Other liabilities | 1,936 Cr | 2,211 Cr | 16,283 Cr | — | — | — | 22 Cr | 107 Cr | 45 Cr |
| Total liabilities | 11,347 Cr | 15,684 Cr | 18,125 Cr | — | — | — | 35 Cr | 30 Cr | 2 Cr |
| Fixed assets (net) | 42 Cr | 48 Cr | 48 Cr | — | — | — | 0 Cr | 0 Cr | 0 Cr |
| CWIP | — | — | — | — | — | — | 0 Cr | 0 Cr | 0 Cr |
| Investments | 508 Cr | 97 Cr | — | — | — | — | 0 Cr | 0 Cr | 0 Cr |
| Cash & bank | 252 Cr | 110 Cr | 106 Cr | — | — | — | 18 Cr | 0.46 Cr | 0.50 Cr |
| Other assets | 10,544 Cr | 15,429 Cr | 17,972 Cr | — | — | — | 17 Cr | 29 Cr | 1 Cr |
| Total assets | 11,347 Cr | 15,684 Cr | 18,125 Cr | — | — | — | 35 Cr | 30 Cr | 2 Cr |
Cash flows
Annual · ₹ Cr · tap + rows to expand · last column includes FCF
| Metric | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|---|---|---|---|---|
| Cash from operating activity | -3,296 Cr | -4,386 Cr | -1,189 Cr | — | 3,068 Cr | -597 Cr | 4,103 Cr | -21 Cr | 9 Cr |
| Cash from investing | -355 Cr | 476 Cr | -55 Cr | — | -1,560 Cr | 848 Cr | 103 Cr | 0 Cr | 0.22 Cr |
| Cash from financing | 3,227 Cr | 3,717 Cr | 1,291 Cr | — | -1,374 Cr | -367 Cr | -4,243 Cr | 4 Cr | -9 Cr |
| Net cash flow | -425 Cr | -194 Cr | 47 Cr | — | 135 Cr | -116 Cr | -37 Cr | -17 Cr | 0.04 Cr |
| Free cash flow (OCF − Capex) | -3,297 Cr | -4,390 Cr | -1,194 Cr | — | 3,067 Cr | -597 Cr | 4,103 Cr | -21 Cr | 9 Cr |
Ratios
| Metric | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|---|---|---|---|---|
| ROE % | 15.3% | 9.4% | 3.7% | — | — | — | — | — | — |
| Debt / equity | 7.33 | 5.98 | — | — | — | — | — | -0.01 | -0.0099 |