14th Meeting of the Committee of Creditors ( CoC ), of Reliance Home Finance Limited (In CIRP) was duly held on Thursday, September 17, 2026, at 03:00 PM. (IST) through Video Conferencing.
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Latest filings
NSE announcements · newest firstPursuant to Regulation 30 of the SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015 (''''Listing Regulations'''') and in accordance with sub-clause 16(g) of Para A of Part A of Schedule III of the Listing Regulations, We hereby inform you that the 14th Meeting of the Committee of Creditors (''''CoC''''), of Reliance Home Finance Limited (In CIRP) was duly held on Thursday, September 17, 2026 at 03:00 P.M. (IST) through Video Conferencing
Key MetricsFull financials →
P/E (TTM)
3.3×
EPS ₹0.50
P / Book
-1.51×
BVPS ₹-1
ROE
-37.1%
FY25, avg equity
Net margin
10859.6%
FY25
Revenue YoY
−98.9%
Q4 FY25
Net profit YoY
+89.8%
Q4 FY25
Debt / equity
-0.17×
₹9 Cr debt
Div. yield
–
no dividend in 12 months
From NSE filings (standalone) and the last close.
Shareholding Pattern Mar 2025
Promoter pledge: none reported
Peer Comparison
| Company | P/E | P/B | ROE | Margin |
|---|---|---|---|---|
| CANFINHOME₹10,031 Cr | 8.9× | 1.68× | 19.7% | 25.8% |
| INDIASHLTR₹7,116 Cr | 14.1× | 2.23× | 17.0% | 32.9% |
| REPCOHOME₹2,175 Cr | 4.5× | 0.54× | 12.7% | 26.5% |
| GICHSGFIN₹739 Cr | 4.7× | 0.35× | 7.6% | 14.3% |
| SRGHFL₹231 Cr | 5.6× | 0.78× | 11.6% | 16.3% |
| RHFL₹80 Cr | 3.3× | – | – | 10859.6% |
Housing Finance Company: the companies closest in market value, of the 14 in that basic industry whose filings we hold. Computed from each company's NSE filings (up to Q4 FY25) and the last close; hover a column for its definition.
Forensic Flags1 Watch
Results were filed late in 2 of the last 8 quarters
Slowest filing came 105 days after the period end.
Free cash flow was negative in 2 of the last 4 years
Operating cash flow less capital expenditure, as filed.
Exceptional items above 5% of pre-tax profit in 2 of the last 5 years
FY21–FY25.
Effective tax rate averaged 40%
Tax over pre-tax profit, last 2 years. The base corporate rate is about 25%.
6 checks within their thresholds
Profit before interest and tax covers finance costs 27.8×
FY25.
Other income is 0% of profit before tax
FY25.
Share count changed -0.0% in three years, net of bonuses and splits
From 2022-03-31 to 2025-03-31. Shares issued for mergers, placements, conversions and stock options all count.
Promoter holding is 0.74%, +0.00 points over a year
2025-03-31 against 2024-03-31.
No promoter shares are pledged
Shareholding pattern as at 2025-03-31.
No auditor change or resignation filings in three years
From NSE announcements on record.
Computed from NSE filings (standalone). Colours follow fixed thresholds, shown on hover. These are facts about the filings, not advice. 4 checks not run for lack of data.
Formula Scores
Piotroski F-score: 4 of 9 · FY to 2025-03-31one point for each of nine tests on profitability, leverage and liquidity, and operating efficiency, comparing the year with the one before
- ✓ Return on assets positive: 81.05 — profit after tax over the year's opening total assets, %
- ✓ Operating cash flow positive: 9 — ₹ crore
- ✗ Cash flow above profit (accruals): -15.2 — operating cash flow less profit after tax, ₹ crore
- ✓ Return on assets improved: 91.23 — change in ROA, percentage points
- ✗ Long-term borrowings to assets fell: 584.03 — change in long-term borrowings over total assets, percentage points
- Current ratio improved — current assets or liabilities not broken out
- ✓ No new shares issued: 0 — change in share capital, %
- Gross margin improved — material cost not reported (a services company has none)
- ✗ Asset turnover improved: -0.01 — revenue over the year's opening total assets, change
Inputs: profit after tax ₹24 Cr (2025-03-31) · profit after tax ₹-4 Cr (2024-03-31) · total assets ₹2 Cr (2025-03-31) · total assets ₹30 Cr (2024-03-31)
The paper's bands: 8–9: the paper's high group; 0–2: the paper's low group
7 of the nine tests could be run; the score counts the ones that passed
Source: Joseph Piotroski, "Value Investing: The Use of Historical Financial Statement Information to Separate Winners from Losers", Journal of Accounting Research, 2000
Altman Z-score: -445.99 · FY to 2025-03-31Z = 1.2 × working capital / total assets + 1.4 × retained earnings / total assets + 3.3 × EBIT / total assets + 0.6 × market value of equity / total liabilities + 1.0 × sales / total assets
- working capital / total assets: -19.168 × 1.2
- retained earnings / total assets: -340.14 × 1.4 — reserves and surplus as retained earnings
- EBIT / total assets: 15.809 × 3.3 — profit before tax plus finance cost
- market value of equity / total liabilities: 1.5 × 0.6 — market capitalisation over total assets less equity
- sales / total assets: 0.141 × 1
Inputs: total assets ₹2 Cr (2025-03-31) · current assets ₹1 Cr (2025-03-31) · current liabilities ₹31 Cr (2025-03-31) · reserves ₹-538 Cr (2025-03-31) · total equity ₹-53 Cr (2025-03-31) · profit before tax ₹24 Cr (2025-03-31) · finance cost ₹1 Cr (2025-03-31) · revenue ₹0 Cr (2025-03-31) · market capitalisation (today) ₹82 Cr
The paper's bands: above 2.99: the paper's safe zone; 1.81–2.99: the grey zone; below 1.81: the distress zone
the 1968 form, fitted on manufacturers; reserves stand in for retained earnings, and profit before tax plus finance cost for EBIT
Source: Edward Altman, "Financial Ratios, Discriminant Analysis and the Prediction of Corporate Bankruptcy", Journal of Finance, 1968
Graham number: not computed · FY to 2025-03-31undefined when earnings or book value per share are not positive
Sloan accrual ratio: 96.69 % of assets · FY to 2025-03-31(profit after tax − operating cash flow) / average total assets
Inputs: profit after tax ₹24 Cr (2025-03-31) · operating cash flow ₹9 Cr (2025-03-31) · total assets ₹2 Cr (2025-03-31) · total assets ₹30 Cr (2024-03-31)
how much of the year's profit was not cash; the paper sorts companies by this and reports the top decile's later returns
Source: Richard Sloan, "Do Stock Prices Fully Reflect Information in Accruals and Cash Flows about Future Earnings?", The Accounting Review, 1996
Each score is its published formula applied to the company's own filings (standalone); open one for the tests, the inputs and the paper. Arithmetic on the filings, not a view on the stock.