Sahara Housingfina Corporation Ltd.
Snapshot View

48.40 -2.55 ▼-5.0%

26 July 2021, 04:00:00 P.M.
Volume: 1,115

Overview View Details

Sector Finance Compare with Sector peers
Industry Finance - Housing Compare with Industry peers
Website http://www.saharahousingfina.com
Financial Indicators
Market Cap 33.88 Cr.
Earnings per share (EPS) 2.99 Trailing Twelve Months Ending 2021-03
Price-Earning Ratio (PE) 16.20 Trailing Twelve Months Ending 2021-03
Industry PE 54.87 Trailing Twelve Months Ending 2021-03
Book Value / Share 67.16 Trailing Twelve Months Ending 2021-03
Price to Book Value 0.72 Calculated using Price: 48.40
Dividend Yield 0.00 Period Ending 2020-03
No. of Shares Subscribed 0.70 Cr. 7,000,000 Shares
FaceValue 10
Company Profile

Sahara Housingfinas Corporation Limited (SHCL) was founded in August 2002 with its registered corporate office at Kolkata. A Sahara India Pariwar member, the company is engaged in providing different kinds of housing loans.

SHCL commenced retail-lending business in May 2004 with professionals from the industry and fully integrated on-line systems solution backed by strong procedures and underwriting standards. Today it operates from four regions viz. Kolkata, Lucknow, Hyderabad and Mumbai and has a branch each in Kolkata, Asansol, Siliguri, Lucknow, Gorakhpur, Pune, Hyderabad, Vijaywada and Mumbai. It serves its clientele through the attractive and competitive home loan schemes. Specially tailored schemes for the allotees of Sahara City Homes are also being worked out. The company is expanding its business by increasing the number of business outlets.

Sahara India Pariwar is a major entity on the corporate scene having diversified business interests that include finance, infrastructure & housing, media & entertainment, consumer products, manufacturing, services & trading.

With Sahara Home Loan, one can bring to life the house of his dreams. One could buy a self-contained flat in an existing or proposed co-operative society, in an apartment owner’s association or even an independent single-family or multi-family bungalow or row house as well as a house that he like anywhere in India (subject to local geo-limits of SHCL branches).

The company has a wide product range

The company provides loans to meet all the requirements of house a home.

Home Loans, Home Improvement Loans, Home Extension Loans, Loans to professionals for office or clinic, Mortgage Loans for children education, marriage etc. Land Loan (Govt. Plot). Loans on Adjustable Rate, Fixed Rate.

The company provides wider flexibility

  • Loan amounts range from Rs 1 lakh - 100 lakh
  • A choice between fixed and floating interest rates
  • Prepayment of the loan can be done after 6 months with a nominal fee
  • Loan tenure 5-20 years

The company has multiple repayment options

  • Step Up Repayment Facility
  • Helps young executives take a much bigger loan today based on an increase in their future income, this helps executives buy a bigger home today!
  • Flexible Loan installments Plan
  • Often customers, parents and their children, wish to purchase properties together. The parent is nearing retirement and their children have just started working. This option helps such customers combine the incomes and take a long term home loan where in the installment reduces upon retirement of the earning parent.

Tranche Based EMI

Customers purchasing an under construction property need to pay interest (on the loan amount drawn based on level of construction) till the property is ready . To help customer save this interest, we have introduced a special facility of tranche Based EMI. Customers can fix the installments they wish to pay till the property is ready. The minimum amount payable is the interest on the loan amount drawn. Anything over and above the interest paid by the customer goes towards principal repayment. The customer benefits by starting EMI and hence repays the loan faster.

Accelerated Repayment Scheme

Accelerated Repayment Scheme offers you a great oppourtunity to repay the loan faster by increasing the EMI. Whenever you get an increment, increase in your disposable income or have lumpsum funds for loan prepayment, you can benefit by

  • Increase in EMI means faster loan repayment
  • Saving of interest because of faster loan repayment
  • One can invest lumpsum funds rather than use it for loan prepayment. The return from the investments also gives you the comfort of paying the increased EMI.

Delivery View Details

Delivered Qty
Traded Qty

Performance View Details

1 Day
-5.00%
1 Week
-3.87%
1 Month
-4.82%
3 Month
+44.91%
6 Month
-0.10%
1 Year
+70.12%
2 Year
+52.92%
5 Year
-33.43%
9 years 2012-03 2013-03 2014-03 2015-03 2016-03 2017-03 2018-03 2019-03 2020-03
Return on Equity (%) 8.44 7.06 8.60 6.88 5.78 5.72 7.00 5.43 4.88
Return on Capital Employed (%) 10.10 9.42 8.86 7.89 6.52 5.88 5.94 5.91 7.05
Return on Assets (%) 1.38 1.18 1.49 1.30 1.23 1.37 1.83 1.53 1.58

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 27 29 32 32 34 36 38 40 45
Non Curr. Liab. 117 136 132 127 109 106 99 74 72
Curr. Liab. 16 14 11 4 2 2 1 26 5
Minority Int.
Equity & Liab. 160 180 175 163 144 143 138 140 122
Non Curr. Assets 138 148 157 130 116 115 118 111 101
Curr. Assets 23 32 18 33 29 28 19 30 21
Misc. Exp. not W/O
Total Assets 160 180 175 163 144 143 138 140 122

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 20 20 20 17 13 12 13 12 13
Other Income 0 2 1 1 2 1 1 1 2
Total Income 20 22 21 18 14 14 14 13 15
Total Expenditure -4 -6 -5 -5 -5 -5 -5 -5 -5
PBIDT 16 16 16 13 10 8 8 8 10
Interest -13 -13 -12 -10 -7 -5 -5 -5 -6
Depreciation 0 0 0 0 0 0 0 0 -1
Taxation -1 -1 -1 -1 -1 -1 -1 -1 -1
Exceptional Items
PAT 2 2 3 2 2 2 3 2 2

Cash Flow 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.
Cash Fr. Operatn. 16 13 14 29 13 1 -2 9 30
Cash Fr. Inv. 0 2 1 1 3 -1 13 -16
Cash Fr. Finan. -10 -4 -26 -16 -18 -3 -7 -24
Net Change 5 11 -10 14 -2 -2 4 -7 5
Cash & Cash Eqvt 10 22 11 25 8 6 10 3 9

Shareholding Pattern View Details

9 Qtrs 2019-06 (%) 2019-09 (%) 2019-12 (%) 2020-03 (%) 2020-06 (%) 2020-09 (%) 2020-12 (%) 2021-03 (%) 2021-06 (%)
Promoter 71.35 71.35 71.35 71.35 71.35 71.35 71.35 71.35 71.35
Public 28.65 28.65 28.65 28.65 28.65 28.65 28.65 28.65 28.65
Depository Receipts 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Promoter Holding Pledge (%) 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

Announcements View Details

Tue, 13 Jul 2021
Compliances-Certificate under Reg. 74 (5) of SEBI (DP) Regulations 2018
This is with reference to the captioned regulation we are enclosing confirmation received from our Registrar & Transfer Agent Link Intime Pvt. Ltd. in relation to the dematerialization of shares and mutilation and cancellation of shares certificates received for dematerialization during the quarter ended June 30 2021.
Thu, 08 Jul 2021
Statement Of Investor Complaints For The Quarter Ended June 2021 (Revised)
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
0000
Name of the Signatory :- D J BAGCHI
Designation :- Company Secretary and Compliance Officer
Thu, 08 Jul 2021
Statement Of Investor Complaints For The Quarter Ended June 2021 (Revised)
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
0000
Name of the Signatory :- D J BAGCHI
Designation :- Company Secretary and Compliance Officer

Technical Scans View Details

Fri, 23 Jul 2021
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
Close Crossing 20 EMA From Below Close Crossing 20 EMA From Below
ATR Decreasing for 3 Days ATR Decreasing for 3 Days

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