Reliance Home Finance Ltd.
Snapshot View

4.76 -0.15 ▼-3.1%

23 July 2021, 04:00:00 P.M.
Volume: 732,245

Overview View Details

Sector Finance Compare with Sector peers
Industry Finance - Housing Compare with Industry peers
Website http://www.reliancehomefinance.com
Financial Indicators
Market Cap 229.43 Cr.
Earnings per share (EPS) -31.33 Trailing Twelve Months Ending 2021-03
Price-Earning Ratio (PE) - Trailing Twelve Months Ending 2021-03
Industry PE 54.87 Trailing Twelve Months Ending 2021-03
Book Value / Share -1.09 Trailing Twelve Months Ending 2021-03
Price to Book Value -4.32 Calculated using Price: 4.73
Dividend Yield 0.00 Period Ending 2020-03
No. of Shares Subscribed 48.51 Cr. 485,058,818 Shares
FaceValue 10
Company Profile

Reliance Home Finance is a subsidiary of Reliance Capital Limited. The company is registered with National Housing Bank (NHB) as a housing finance company under the National Housing Bank Act, 1987.

The company provides wide range of solutions like Home loans, Affordable housing loans, Loan Against Property (LAP) and Construction Finance. The company also provides property solutions’ services that help customers find their dream homes / property, along with financing.

The company has a strong distribution network with more than 100 locations, through a ‘hub and spoke’ model, across the country, serving over 41,000 client accounts.

Business area of the company:

The company is engaged in providing housing finance. It provides housing loans, home improvement loan, home extension loan and reliance property solutions. It offers home loans to individuals and companies.

Products:

Home Loans:

• Affordable Home Loans: Provides funds for property purchases with loan amount less than or equal to 28 Lakhs extended for Construction or Purchase of Property or for Balance Transfer of existing loan.

• Loan Against Property: Customized housing loan offerings with true LTV (Loan To Value), for self-employed professionals to meet their financial needs.

• Real Estate Finance: Reliance Home Finance offers financial assistance to Developers and Builders in the Residential sectors. This product comes with customized offerings built around real estate developer's project acquisition and construction cost basis a detailed evaluation of the project.

• Reliance Property Services: It is a one-stop-shop for all the property needs - Buying, Selling or Leasing. It avails the services of experienced property personnel at their client’s service. The customers will have access to the largest property database, with extensive listings.

• Property Valuation Advisory Services: Enables customers to ascertain the true- value of their current or prospective property.

Loan Against Property:

• LRD (Lease Rental discounting) - Lease rental discounting is a great way to generate funds from owned assets, further helping clients to use them for further investments. It’s a mortgage loan offered in return for client’s rental receipts accumulated from corporate tenants once they are bounded in a contract with them. The loan in this case is accounted lower based on the discounted value of the rentals and the underlying property.

• BT+ top up - Avail top up facility on client’s existing property loans.

• Banking Surrogate - Gets client a mortgage loan amount based upon banking transactions.

• Existing customer top up - It is a top-up facility offered for an exciting customer with RHF.

• Land LAP - Lending against residential and commercial land is a type of one of their land loan against property services.

• DigiLAP+ - Get their client’s loans sanctioned within a day with this high paced LAP loan product.

• Vintage Plus - Gets their clientsa an additional loan amount with no additional paperwork. This kind of property against loan tracks client’s old records with bank and helps them expedite the process with minimal paperwork.

Delivery View Details

Delivered Qty
Traded Qty

Performance View Details

1 Day
-3.05%
1 Week
+4.39%
1 Month
-27.66%
3 Month
+83.78%
6 Month
+99.16%
1 Year
+95.08%
2 Year
-55.22%
5 Year
5 years 2016-03 2017-03 2018-03 2019-03 2020-03
Return on Equity (%) 15.63 21.67 11.79 3.69 -22.85
Return on Capital Employed (%) 11.14 9.94 10.19 8.76 4.77
Return on Assets (%) 1.29 1.81 1.26 0.41 -2.25

Balance Sheet View Details

Particulars 9 years 2012-03 Rs. Cr. 2013-03 Rs. Cr. 2014-03 Rs. Cr. 2015-03 Rs. Cr. 2016-03 Rs. Cr. 2017-03 Rs. Cr. 2018-03 Rs. Cr. 2019-03 Rs. Cr. 2020-03 Rs. Cr.
Shh. Funds 394 421 464 533 620 1,130 1,825 1,842 1,467
Non Curr. Liab. 1,856 1,933 2,191 2,942 4,661 7,264 11,892 11,144 10,008
Curr. Liab. 322 600 1,089 2,163 2,545 2,830 1,537 4,984 3,909
Minority Int.
Equity & Liab. 2,572 2,954 3,745 5,639 7,826 11,224 15,253 17,970 15,384
Non Curr. Assets 2,373 2,592 2,711 4,527 6,019 9,404 14,825 16,766 13,735
Curr. Assets 199 361 1,034 1,111 1,764 1,737 428 1,203 1,649
Misc. Exp. not W/O 43 83
Total Assets 2,572 2,954 3,745 5,639 7,826 11,224 15,253 17,970 15,384

Profit Loss View Details

Particulars 9 years 2012-03 Rs. Cr. 2013-03 Rs. Cr. 2014-03 Rs. Cr. 2015-03 Rs. Cr. 2016-03 Rs. Cr. 2017-03 Rs. Cr. 2018-03 Rs. Cr. 2019-03 Rs. Cr. 2020-03 Rs. Cr.
Net Sales 341 358 427 501 804 1,073 1,623 1,986 1,587
Other Income 0 6 7 12 19 281 61 17 16
Total Income 341 365 434 513 823 1,355 1,683 2,003 1,603
Total Expenditure -69 -68 -90 -90 -149 -461 -373 -575 -830
PBIDT 272 297 343 423 674 894 1,311 1,428 773
Interest -233 -254 -277 -317 -536 -749 -1,062 -1,323 -1,337
Depreciation 0 0 0 0 -1 -7 -2 -3 -4
Taxation -13 -15 -23 -37 -50 35 -80 -34 192
Exceptional Items
PAT 26 27 43 69 87 173 167 67 -375

Cash Flow View Details

Particulars 5 years 2016-03 Rs. Cr. 2017-03 Rs. Cr. 2018-03 Rs. Cr. 2019-03 Rs. Cr. 2020-03 Rs. Cr.
Cash Fr. Operatn. 433 -3,296 -3,507 -1,189 4,713
Cash Fr. Inv. -72 -355 496 -55 -856
Cash Fr. Finan. 3,227 2,818 1,291 -3,927
Net Change 362 -425 -194 47 -70
Cash & Cash Eqvt 677 252 59 106 36

Shareholding Pattern View Details

9 Qtrs 2019-03 (%) 2019-06 (%) 2019-09 (%) 2019-12 (%) 2020-03 (%) 2020-06 (%) 2020-09 (%) 2020-12 (%) 2021-03 (%)
Promoter 74.85 73.09 73.09 69.92 49.58 49.58 49.58 49.58 49.58
Public 25.15 26.91 26.91 30.08 50.42 50.42 50.42 50.42 50.42
Depository Receipts 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Promoter Holding Pledge (%) 31.80 30.16 30.16 24.61 0.00 0.00 0.00 0.00 0.00

Announcements View Details

Sat, 24 Jul 2021
Board Meeting Intimation for Unaudited Financial Results For The Quarter Ended June 30 2021
Reliance Home Finance Ltdhas informed BSE that the meeting of the Board of Directors of the Company is scheduled on 31/07/2021 inter alia to consider and approve Pursuant to Regulation 29 of the Securities and Exchange Board of India (Listing Obligations and Disclosure Requirements) Regulations 2015 read with the Uniform Listing Agreement entered into by the Company with the Stock Exchanges we wish to inform you that a meeting of the Board of Directors of the Company will be held on Saturday July 31 2021 inter-alia to consider and approve Companys Unaudited Financial Results for the quarter ended June 30 2021.
Fri, 23 Jul 2021
Compliances-Reg. 39 (3) - Details of Loss of Certificate / Duplicate Certificate
In terms of Regulation 39(3) of Chapter IV of the Securities and Exchange Board of India (Listing Obligations and Disclosure Requirements) Regulations 2015 we submit the details of share certificate/s reported to have been lost / misplaced by the shareholders as per Annexure - A enclosed herewith.
Sat, 17 Jul 2021
Statement Of Investor Complaints For The Quarter Ended June 2021
No.of Investor complaints pending at the beginning of the quarter No.of Investor complaints received during the quarter No.of Investor complaints disposed of during the quarter No.of Investor complaints unresolved at the end of the quarter
01351305
Name of the Signatory :- Parul Jain
Designation :- Company Secretary and Compliance Officer

Technical Scans View Details

Fri, 23 Jul 2021
Stock Outperforming Benchmark Index in both 1 Week and 3 Month Stock Outperforming Benchmark Index in both 1 Week and 3 Month
Stock Outperforming Sectoral Index in both 1 Week and 3 Month Stock Outperforming Sectoral Index in both 1 Week and 3 Month
Strongly Outperforming Benchmark Index Strongly Outperforming Benchmark Index
Strongly Outperforming Sectoral Index Strongly Outperforming Sectoral Index
Both SRS And ARS Above Zero Both SRS And ARS Above Zero

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