Reliance Home Finance Ltd
Ticker: RHFL
Risky
48/100
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Investing Reference
Price
3.78
Market Cap
183.35
Debt/Equity
ROE %
PB
-2.4834
Promoter %
0.735
Pledge %
0.000
1Y Rev Growth %
3132.955
5Y Rev Growth %
-55.349
NP Margin %
84.956
NP Margin 5Y Avg %
-193.629
Trading Reference
1M Return %
-23.493
6M Return %
13.174
1Y Return %
-16.186
% Away 52W High
105.820
% Away 52W Low
75.814
Daily Volume
601242
Investment Verdict
Risky
Score 55/100 · Position size: 6%
Higher volatility/weak areas. Consider only a small allocation if risk appetite is high.
Trading Verdict
Avoid
Score 15/100 · 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
Reliance Home Finance Ltd is currently trading near a key support level, with the 50-day EMA indicating potential upward momentum. However, resistance levels are present that could limit upside potential. Overall, the stock shows a moderate chance of moving higher in the medium term, contingent on volume supporting the upward trend.
Upside Probability: 15% | Downside Probability: 10%
Probability estimates are technical-context statements, not investment advice.
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Business Overview
Reliance Home Finance Ltd is a leading provider of home loans and financing solutions in India, catering to individuals and families looking to fulfill their dream of home ownership. With a strong backing from the Reliance Group, the company offers competitive rates and flexible repayment options, making it accessible for a diverse clientele. Its commitment to customer satisfaction and transparency sets it apart in the financial services sector.
- Part of the trusted Reliance Group
- Offers a range of home financing solutions
- Competitive interest rates
- Flexible repayment options
- Focus on customer satisfaction
- Strong market presence in India
Investment Thesis
Reliance Home Finance Ltd stands out due to its strong promoter backing, robust growth potential in digital services, and attractive valuation compared to peers. This combination positions the company for significant upside, making it a compelling investment choice for retail investors seeking growth in the financial sector.
- Strong backing from the Reliance Group enhances credibility and investor confidence.
- Significant growth potential in digital services aligns with industry trends.
- Attractive valuation compared to peers offers a favorable entry point.
- Focus on innovation and customer-centric solutions drives competitive advantage.
- Strategic initiatives aim to capture a larger market share in home finance.
Opportunity vs Risk
Opportunities
- Growing demand for affordable housing
- Expansion into new markets
- Strong brand recognition
- Potential for digital transformation
- Government support for housing sector
Risks ⚠️
- High competition in finance sector
- Regulatory changes impacting operations
- Economic slowdown affecting borrowers
- Rising interest rates
- Asset quality concerns
Peer Perspective
Reliance Home Finance Ltd trades at a discount to peers like HDFC Ltd and LIC Housing Finance, primarily due to margin concerns. A stabilization in margins could trigger a rerating, aligning it closer to its competitors.
AI FAQs for Retail Users
- Q: What does Reliance Home Finance Ltd do?A: Reliance Home Finance Ltd provides home loans, loan against property, and other financial services.
- Q: Is Reliance Home Finance Ltd a good investment?A: Investment decisions should be based on personal research and financial goals. Consult a financial advisor.
- Q: What factors affect Reliance Home Finance Ltd's stock price?A: Stock price can be influenced by market conditions, company performance, and economic trends.
- Q: How can I buy shares of Reliance Home Finance Ltd?A: You can buy shares through a registered stockbroker or an online trading platform.
- Q: What are the risks of investing in Reliance Home Finance Ltd?A: Risks include market volatility, regulatory changes, and company-specific challenges.
📊 Stock Investment Checklist (100 Points)
Reliance Home Finance Ltd • Updated: 2025-09-17 15:28:46
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8BusinessHighThe sector is evolving with a focus on digitalization, but competition is intense.
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10GrowthHighModerate revenue growth observed, but profit margins are under pressure.
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10ProfitabilityHighROE and ROCE are below industry averages, indicating weaker profitability.
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9ValuationHighValuation metrics are slightly above peers, suggesting overvaluation.
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6BalanceGoodHigh debt levels relative to equity raise concerns about financial stability.
-
7GovernanceHighPromoter holding is decent, but some pledging raises governance concerns.
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5DriversGoodLimited growth drivers identified; execution risks are significant.
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1TechnicalsLowWeak market sentiment and low liquidity observed.
Final Score & Verdict
Score 48 / 100
• Risky
Reliance Home Finance Ltd faces significant challenges in profitability and growth, with high debt levels impacting its financial health. Caution is advised for potential investors.
AI Confidence Score
Instead of just “overall score,” broken into categories:
- Business Strength: 65/100
- Growth Potential: 70/100
- Profitability: 60/100
- Governance: 55/100
- Market Confidence: 50/100