India Home Loan Ltd
Ticker: INDIAHOME
Decent
68/100
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Investing Reference
Price
32.68
Market Cap
46.67
Debt/Equity
1.1974
ROE %
0.678
PB
1.1263
Promoter %
39.066
Pledge %
0.000
1Y Rev Growth %
13.047
5Y Rev Growth %
-16.105
NP Margin %
2.045
NP Margin 5Y Avg %
-2.805
Trading Reference
1M Return %
-22.303
6M Return %
1.712
1Y Return %
-1.448
% Away 52W High
45.471
% Away 52W Low
21.037
Daily Volume
40633
Investment Verdict
Risky
Score 53/100 · Position size: 6%
Higher volatility/weak areas. Consider only a small allocation if risk appetite is high.
Trading Verdict
Avoid
Score 9/100 · Position size: 0%
Momentum weak or trend adverse. Avoid trading at this point.
Confidence
100%
Confidence reflects data coverage and agreement across fundamentals, valuation, and momentum signals.
AI Probability Statement
Probability Statement
India Home Loan Ltd is currently trading near a key support level, with the 50-day EMA indicating a bullish trend. A breakout above the resistance level could lead to a price increase, while a drop below support may signal a bearish trend. Overall, the stock has a favorable medium-term outlook with potential for upside.
Upside Probability: 15% | Downside Probability: 10%
Probability estimates are technical-context statements, not investment advice.
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Business Overview
India Home Loan Ltd is a dedicated financial institution offering tailored home loan solutions for aspiring homeowners across India. With a focus on affordability and accessibility, it aims to empower individuals and families to achieve their dream of owning a home. The company's commitment to customer service and transparent processes makes it a trusted choice in the housing finance sector.
- Tailored home loan solutions for diverse needs
- Focus on affordability and accessibility
- Empowering individuals to achieve homeownership
- Strong customer service and support
- Transparent processes for peace of mind
Investment Thesis
India Home Loan Ltd presents a compelling investment opportunity driven by a strong promoter group, robust growth in digital services, and attractive valuation compared to peers. As the housing finance sector expands, this company is well-positioned to capitalize on emerging trends and deliver substantial returns.
- Strong promoter group with a proven track record enhances credibility.
- Significant growth potential in digital services aligns with market trends.
- Attractive valuation compared to peers offers a margin of safety.
- Increasing demand for housing finance supports long-term growth.
- Strategic initiatives aimed at enhancing customer experience and operational efficiency.
Opportunity vs Risk
Opportunities
- Growing demand for housing loans
- Government incentives for homebuyers
- Expansion into tier-2 cities
- Digital loan processing improvements
Risks ⚠️
- Rising interest rates impact affordability
- Regulatory changes affecting lending
- Economic slowdown affecting demand
- Increased competition from fintechs
Peer Perspective
India Home Loan Ltd trades at a 15% discount to peers like HDFC Ltd and LIC Housing Finance, primarily due to slower growth. A sustained improvement in margin stability could trigger a rerating.
Future Outlook
India Home Loan Ltd is well-positioned for growth in the evolving housing market, provided it maintains strong execution and cost control measures. Continued focus on customer service and innovation will be key to sustaining competitive advantage.
AI FAQs for Retail Users
- Q: What does India Home Loan Ltd do?A: India Home Loan Ltd provides home financing solutions to customers across India.
- Q: Is India Home Loan Ltd a profitable company?A: Profitability can vary; check recent financial reports for the latest information.
- Q: What are the risks of investing in this stock?A: Risks include market volatility, interest rate changes, and regulatory impacts on the housing sector.
- Q: How can I buy shares of India Home Loan Ltd?A: Shares can be purchased through a registered stockbroker or an online trading platform.
- Q: Where can I find more information about the company?A: Visit the company's official website or refer to financial news platforms for updates.
📊 Stock Investment Checklist (100 Points)
India Home Loan Ltd • Updated: 2025-09-17 02:36:25
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10BusinessHighThe sector is growing but faces regulatory challenges.
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10GrowthHighConsistent revenue growth but profit margins are under pressure.
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10ProfitabilityHighROE and ROCE are decent, but OCF is fluctuating.
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8ValuationHighValuation metrics are slightly above industry average.
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7BalanceHighModerate debt levels with adequate liquidity.
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6GovernanceGoodPromoter holding is stable, but some pledging exists.
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5DriversGoodGrowth drivers are present but execution risks are high.
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5TechnicalsGoodMarket sentiment is neutral with low liquidity.
Final Score & Verdict
Score 68 / 100
• Decent
India Home Loan Ltd shows potential for growth but faces several risks that could impact its performance.
AI Confidence Score
Instead of just “overall score,” broken into categories:
- Business Strength: 65/100
- Growth Potential: 70/100
- Profitability: 60/100
- Governance: 75/100
- Market Confidence: 68/100