Ind Bank Housing Ltd

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Ind Bank Housing Summary Chart Analysis Peers Quarters Profit & Loss Balance Sheet Cash Flow Ratios Investors Documents
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Ind Bank Housing Ltd

₹ 49.0 3.81%
11 Sep - close price
indbankhousing.com BSE: 523465
About

Ind Bank Housing Ltd (IBHL), incorporated
in 1991, is a BSE-listed subsidiary of Indian
Bank. It stopped fresh lending in 2000; after
RBI cancelled its housing-finance Certificate
of Registration effective 21.09.2023, it ceased HFC /NBFC business and is now limited to recovering /disposal of legacy mortgaged
assets and resolving related litigation.[1]

Key Points

*Current status vs legacy business:[1]
IBHL historically offered individual housing
loans, project loans to corporate bodies and non-housing ICDs, but has made no fresh loans since 2000. RBI cancelled CoR No. 01.0023.01 because the company had ceased housing-finance business, did not maintain minimum
net owned funds and failed to comply with RBI/NHB directions. Cancellation still permits borrower recoveries and settlement of outstanding claims.[2]

Website BSE
  • Market Cap ₹ 49.0 Cr.
  • Current Price ₹ 49.0
  • High / Low ₹ 62.4 / 35.6
  • Stock P/E 12.6
  • Book Value ₹ -121
  • Dividend Yield 0.00 %
  • ROCE -1.11 %
  • ROE %
  • Face Value ₹ 10.0
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Pros

Cons

  • Earnings include an other income of Rs.3.63 Cr.

* The pros and cons are machine generated. Pros / cons are based on a checklist to highlight important points. Please exercise caution and do your own analysis.

Peer comparison

Financial Services Financial Services Finance Housing Finance Company

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Quarterly Results

Figures in Rs. Crores

Jun 2023 Sep 2023 Dec 2023 Mar 2024 Jun 2024 Sep 2024 Dec 2024 Mar 2025 Jun 2025 Sep 2025 Dec 2025 Mar 2026 Jun 2026
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.14 0.55 0.17 0.13 0.18 0.14 0.12 0.14 0.17 0.08 0.11 0.23 0.63
Operating Profit -0.14 -0.55 -0.17 -0.13 -0.18 -0.14 -0.12 -0.14 -0.17 -0.08 -0.11 -0.23 -0.63
OPM %
0.08 0.07 0.08 0.07 0.06 0.06 0.07 0.09 0.06 0.06 0.17 0.21 3.19
Interest 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Depreciation 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Profit before tax -0.06 -0.48 -0.09 -0.06 -0.12 -0.08 -0.05 -0.05 -0.11 -0.02 0.06 -0.02 2.56
Tax % 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% -51.17%
-0.06 -0.48 -0.09 -0.06 -0.12 -0.08 -0.05 -0.05 -0.11 -0.02 0.06 -0.02 3.88
EPS in Rs -0.06 -0.48 -0.09 -0.06 -0.12 -0.08 -0.05 -0.05 -0.11 -0.02 0.06 -0.02 3.88
Raw PDF

Profit & Loss

Figures in Rs. Crores

Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 Mar 2026 TTM
2.37 0.72 1.05 2.11 0.57 0.50 0.36 0.23 0.23 0.28 0.28 0.00 0.00
-4.62 0.38 0.35 0.25 0.53 0.85 0.55 0.39 0.79 0.99 0.59 0.60 1.05
Operating Profit 6.99 0.34 0.70 1.86 0.04 -0.35 -0.19 -0.16 -0.56 -0.71 -0.31 -0.60 -1.05
OPM % 294.94% 47.22% 66.67% 88.15% 7.02% -70.00% -52.78% -69.57% -243.48% -253.57% -110.71%
0.73 0.04 1.22 0.05 0.10 3.10 0.00 0.03 0.00 0.02 0.00 0.51 3.63
Interest 14.87 11.87 13.16 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Depreciation 0.01 0.01 0.00 0.00 0.01 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Profit before tax -7.16 -11.50 -11.24 1.91 0.13 2.75 -0.19 -0.13 -0.56 -0.69 -0.31 -0.09 2.58
Tax % 2.65% 0.00% 0.00% 6.81% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
-7.35 -11.50 -11.24 1.78 0.13 2.74 -0.19 -0.13 -0.56 -0.69 -0.31 -0.09 3.90
EPS in Rs -7.35 -11.50 -11.24 1.78 0.13 2.74 -0.19 -0.13 -0.56 -0.69 -0.31 -0.09 3.90
Dividend Payout % 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Compounded Sales Growth
10 Years: %
5 Years: %
3 Years: %
TTM: -100%
Compounded Profit Growth
10 Years: 7%
5 Years: 9%
3 Years: 23%
TTM: 1445%
Stock Price CAGR
10 Years: 16%
5 Years: 11%
3 Years: 13%
1 Year: 25%
Return on Equity
10 Years: %
5 Years: %
3 Years: %
Last Year: %

Balance Sheet

Figures in Rs. Crores

Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 Mar 2026
Equity Capital 10.00 10.00 10.00 10.00 10.00 10.00 10.00 10.00 10.00 10.00 10.00 10.00
Reserves -110.93 -122.42 -133.66 -131.88 -131.75 -129.00 -129.19 -129.32 -129.88 -130.57 -130.87 -130.96
105.13 117.00 129.85 129.00 129.00 129.00 129.00 129.00 129.00 129.00 129.00 129.00
6.18 6.07 6.15 4.07 3.86 0.77 0.72 0.60 1.14 0.51 0.50 11.61
Total Liabilities 10.38 10.65 12.34 11.19 11.11 10.77 10.53 10.28 10.26 8.94 8.63 19.65
0.02 0.01 0.00 0.01 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
CWIP 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Investments 0.04 0.03 0.05 0.02 0.01 0.01 0.01 0.01 0.01 0.01 0.01 0.01
10.32 10.61 12.29 11.16 11.10 10.76 10.52 10.27 10.25 8.93 8.62 19.64
Total Assets 10.38 10.65 12.34 11.19 11.11 10.77 10.53 10.28 10.26 8.94 8.63 19.65

Cash Flows

Figures in Rs. Crores

Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 Mar 2026
0.64 0.61 -11.25 -0.48 -0.18 -0.46 -0.23 -0.29 -0.11 -0.92 -0.34 10.98
0.00 0.00 0.04 0.03 0.00 0.01 0.00 0.00 0.00 0.00 0.00 0.00
-0.14 0.00 12.85 -0.85 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Net Cash Flow 0.50 0.61 1.64 -1.30 -0.19 -0.45 -0.23 -0.29 -0.11 -0.92 -0.34 10.98
Free Cash Flow 0.64 0.61 -11.25 -0.49 -0.18 -0.46 -0.23 -0.29 -0.11 -0.92 -0.34 10.98
CFO/OP 9% 179% -1,607% -19% -450% 131% 121% 181% 20% 130% 110% -1,830%

Ratios

Figures in Rs. Crores

Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 Mar 2026
Debtor Days 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Inventory Days
Days Payable
Cash Conversion Cycle 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Working Capital Days -454.32 -1,490.42 -45.19 -6.92 51.23 102.20 182.50 7,315.87 6,585.87 5,709.64 5,761.79
ROCE % 297.68% 8.43% 35.65% 28.70% 1.81% 31.88% -1.92% -1.33% -5.96% -7.86% -3.74% -1.11%

Insights

In beta
Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025
Cash recovery from loan portfolio
Rs. lakhs

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Individual housing loan portfolio outstanding
Rs. crores
Inter corporate deposit (ICD) portfolio outstanding
Rs. crores
Project loan portfolio outstanding (corporate bodies)
Rs. crores
Total loan portfolio outstanding (gross)
Rs. crores
Total number of NPA loan accounts
count

Extracted by Screener AI

Shareholding Pattern

Numbers in percentages

Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026
51.00% 51.00% 51.00% 51.00% 51.00% 51.00% 51.00% 51.00% 51.00% 51.00% 51.00% 51.00%
25.00% 25.00% 25.00% 25.00% 25.00% 25.00% 25.00% 25.00% 25.00% 25.00% 25.00% 25.00%
24.00% 24.00% 24.00% 24.00% 23.99% 24.01% 24.00% 23.99% 24.00% 24.00% 24.00% 24.01%
No. of Shareholders 11,51511,55111,55411,60111,67711,76911,73711,75911,67311,61111,49111,372

* The classifications might have changed from Sep'2022 onwards. The new XBRL format added more details from Sep'22 onwards.

Classifications such as banks and foreign portfolio investors were not available earlier. The sudden changes in FII or DII can be because of these changes.

Click on the line-items to see the names of individual entities.

Documents

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