Reliance Home Finance Limited (RHFL) - Net Assets
Based on the latest financial reports, Reliance Home Finance Limited (RHFL) has net assets worth Rs36.11 Billion INR (≈ $390.48 Million USD) as of September 2025. Net assets (also known as shareholders' equity or book value) represent the difference between a company's total assets (Rs153.10 Billion ≈ $1.66 Billion USD) and total liabilities (Rs117.00 Billion ≈ $1.27 Billion USD). This figure indicates the residual interest in the assets after deducting liabilities, essentially showing what would remain for shareholders if all assets were liquidated and all debts paid off. Check Reliance Home Finance Limited PP&E and investment ratio to assess the company's strategic physical and investment asset allocation.
Key Net Assets Metrics
| Metric | Value |
|---|---|
| Current Net Assets | Rs36.11 Billion |
| % of Total Assets | 23.58% |
| Annual Growth Rate | N/A |
| 5-Year Change | N/A |
| 10-Year Change | -108.55% |
| Growth Volatility | 60.69 |
Reliance Home Finance Limited - Net Assets Trend (2007–2025)
This chart illustrates how Reliance Home Finance Limited's net assets have evolved over time, based on quarterly financial data. For live market cap and overall valuation, see Reliance Home Finance Limited stock valuation.
Annual Net Assets for Reliance Home Finance Limited (2007–2025)
The table below shows the annual net assets of Reliance Home Finance Limited from 2007 to 2025. Also explore RHFL net asset momentum to track the company's year-over-year net asset growth rate.
| Year | Net Assets | Change |
|---|---|---|
| 2025-03-31 | Rs-530.08 Million ≈ $-5.73 Million |
+31.32% |
| 2024-03-31 | Rs-771.81 Million ≈ $-8.35 Million |
-4.54% |
| 2023-03-31 | Rs-738.30 Million ≈ $-7.98 Million |
+98.66% |
| 2022-03-31 | Rs-54.92 Billion ≈ $-593.98 Million |
-10270.85% |
| 2021-03-31 | Rs-529.60 Million ≈ $-5.73 Million |
-103.61% |
| 2020-03-31 | Rs14.67 Billion ≈ $158.62 Million |
-20.37% |
| 2019-03-31 | Rs18.42 Billion ≈ $199.21 Million |
+0.96% |
| 2018-03-31 | Rs18.25 Billion ≈ $197.31 Million |
+75.79% |
| 2017-03-31 | Rs10.38 Billion ≈ $112.25 Million |
+67.37% |
| 2016-03-31 | Rs6.20 Billion ≈ $67.06 Million |
+16.27% |
| 2015-03-31 | Rs5.33 Billion ≈ $57.68 Million |
+14.87% |
| 2014-03-31 | Rs4.64 Billion ≈ $50.21 Million |
+10.31% |
| 2013-03-31 | Rs4.21 Billion ≈ $45.52 Million |
+38.79% |
| 2012-03-31 | Rs3.03 Billion ≈ $32.80 Million |
+22.41% |
| 2011-03-31 | Rs2.48 Billion ≈ $26.79 Million |
+27.06% |
| 2010-03-31 | Rs1.95 Billion ≈ $21.09 Million |
+24.93% |
| 2009-03-31 | Rs1.56 Billion ≈ $16.88 Million |
+15.58% |
| 2008-03-31 | Rs1.35 Billion ≈ $14.60 Million |
+190.50% |
| 2007-03-31 | Rs464.84 Million ≈ $5.03 Million |
-- |
Equity Component Analysis
This analysis shows how different components contribute to Reliance Home Finance Limited's total equity over time. Equity components include common stock, retained earnings, additional paid-in capital, and other elements.
Equity Composition Insights
- Retained earnings have grown by 20310.6% over the analyzed period, indicating profitable operations and earnings retention.
Current Equity Component Breakdown (March 2025)
| Component | Amount | Percentage |
|---|---|---|
| Retained Earnings | Rs33.64 Billion | % |
| Common Stock | Rs4.85 Billion | % |
| Other Comprehensive Income | Rs-5.38 Billion | % |
| Total Equity | Rs-530.08 Million | 100.00% |
Reliance Home Finance Limited Competitors by Market Cap
The table below lists competitors of Reliance Home Finance Limited ranked by their market capitalization.
| Company | Market Cap |
|---|---|
|
Synex International Inc.
TO:SXI
|
$8.66 Million |
|
Senti Biosciences Inc
NASDAQ:SNTI
|
$8.66 Million |
|
Photonike Capital SA
PA:MLPHO
|
$8.66 Million |
|
Harper Hygienics S.A.
WAR:HRP
|
$8.67 Million |
|
Suzhou Goldengreen Technologies Ltd
SHE:002808
|
$8.65 Million |
|
Flexidynamic Holdings Bhd
KLSE:0231
|
$8.65 Million |
|
AVA Risk Group Ltd
AU:AVA
|
$8.65 Million |
|
Green Earth Group N.V.
AS:HWK
|
$8.65 Million |
Equity Growth Attribution
This analysis shows how different factors contributed to changes in Reliance Home Finance Limited's equity between the two most recent reporting periods.
Equity Growth Insights
- From 2024 to 2025, total equity changed from -771,813,000 to -530,080,000, a change of 241,733,000.
- Net income of 241,734,000 contributed positively to equity growth.
- Dividend payments of 187,600,000 reduced retained earnings.
- Other comprehensive income decreased equity by 4,608,855,000.
- Other factors increased equity by 4,796,454,000.
Equity Change Factors (2024 to 2025)
| Factor | Impact | Contribution |
|---|---|---|
| Net Income | Rs241.73 Million | +45.6% |
| Dividends Paid | Rs187.60 Million | -35.39% |
| Other Comprehensive Income | Rs-4.61 Billion | -869.46% |
| Other Changes | Rs4.80 Billion | +904.85% |
| Total Change | Rs- | % |
Book Value vs Market Value Analysis
This analysis compares Reliance Home Finance Limited's book value (net assets) with its market value over time. The relationship between these values can provide insights into investor sentiment and company valuation.
Valuation Insights
Historical Price-to-Book Ratios
| Date | Book Value per Share | Market Price | P/B Ratio |
|---|---|---|---|
| 2013-03-31 | Rs65.23 | Rs1.65 | x |
| 2014-03-31 | Rs70.54 | Rs1.65 | x |
| 2015-03-31 | Rs11.00 | Rs1.65 | x |
| 2016-03-31 | Rs12.78 | Rs1.65 | x |
| 2017-03-31 | Rs123.00 | Rs1.65 | x |
| 2018-03-31 | Rs56.28 | Rs1.65 | x |
| 2019-03-31 | Rs37.97 | Rs1.65 | x |
| 2020-03-31 | Rs30.24 | Rs1.65 | x |
| 2021-03-31 | Rs-1.09 | Rs1.65 | x |
| 2022-03-31 | Rs-113.23 | Rs1.65 | x |
| 2023-03-31 | Rs-1.52 | Rs1.65 | x |
| 2024-03-31 | Rs-1.52 | Rs1.65 | x |
| 2025-03-31 | Rs-1.11 | Rs1.65 | x |
Capital Efficiency Dashboard
This dashboard shows how efficiently Reliance Home Finance Limited utilizes its equity to generate returns, including Return on Equity (ROE) and its components based on the DuPont analysis framework.
Capital Efficiency Insights
- Current Return on Equity (ROE): 0.00%
- The company may be facing challenges in efficiently utilizing shareholder equity.
- DuPont Analysis Breakdown:
- • Net Profit Margin: 10859.57%
- • Asset Turnover: 0.14x
- • Equity Multiplier: 0.00x
- Recent ROE (0.00%) is below the historical average (3.59%), suggesting potential challenges in capital efficiency.
Historical Capital Efficiency Metrics
| Year | Return on Equity | Net Profit Margin | Asset Turnover | Equity Multiplier | Economic Value Added |
|---|---|---|---|---|---|
| 2013 | 6.53% | 25.22% | 0.04x | 7.02x | Rs-146.08 Million |
| 2014 | 9.35% | 10.26% | 0.11x | 8.07x | Rs-30.41 Million |
| 2015 | 12.95% | 13.79% | 0.09x | 10.42x | Rs157.27 Million |
| 2016 | 13.99% | 10.90% | 0.10x | 12.41x | Rs247.45 Million |
| 2017 | 16.63% | 16.08% | 0.10x | 10.74x | Rs687.98 Million |
| 2018 | 9.17% | 10.53% | 0.10x | 8.44x | Rs-151.22 Million |
| 2019 | 3.66% | 3.48% | 0.11x | 9.84x | Rs-1.17 Billion |
| 2020 | -25.59% | -24.42% | 0.10x | 10.72x | Rs-5.22 Billion |
| 2021 | 0.00% | -196.22% | 0.05x | 0.00x | Rs-15.15 Billion |
| 2022 | 0.00% | -1897.91% | 0.03x | 0.00x | Rs-48.90 Billion |
| 2023 | 0.00% | 1418.59% | 10.96x | 0.00x | Rs54.26 Billion |
| 2024 | 0.00% | -574.15% | 0.02x | 0.00x | Rs41.69 Million |
| 2025 | 0.00% | 10859.57% | 0.14x | 0.00x | Rs294.74 Million |
Industry Comparison
This section compares Reliance Home Finance Limited's net assets metrics with peer companies in the Mortgage Finance industry.
Industry Context
- Industry: Mortgage Finance
- Average net assets among peers: $26,029,919,430
- Average return on equity (ROE) among peers: 14.90%
Peer Company Comparison
| Company | Net Assets | Return on Equity | Debt-to-Equity | Market Cap |
|---|---|---|---|---|
| Reliance Home Finance Limited (RHFL) | Rs36.11 Billion | 6.53% | 3.24x | $8.66 Million |
| Aadhar Housing Finance Ltd (AADHARHFC) | $44.50 Billion | 16.85% | 3.29x | $2.09 Billion |
| Aavas Financiers Limited (AAVAS) | $32.70 Billion | 13.14% | 3.10x | $1.09 Billion |
| Aptus Value Housing Finance India Limited (APTUS) | $37.68 Billion | 16.24% | 1.39x | $1.32 Billion |
| Bajaj Housing Finance (BAJAJHFL) | $55.85 Billion | 7.54% | 4.62x | $7.49 Billion |
| GIC Housing Finance Limited (GICHSGFIN) | $1.47 Billion | 22.46% | 11.06x | $79.97 Million |
| Home First Finance Company India Limited (HOMEFIRST) | $15.74 Billion | 11.83% | 2.25x | $1.26 Billion |
| INDIA SHELTER FINANCE CORPORATION LIMITED (INDIASHLTR) | $31.98 Billion | 15.73% | 2.01x | $770.26 Million |
| PNB Housing Finance Limited (PNBHOUSING) | $6.18 Billion | 15.02% | 11.39x | $3.08 Billion |
| Repco Home Finance Limited (REPCOHOME) | $8.17 Billion | 15.34% | 6.44x | $235.25 Million |
About Reliance Home Finance Limited
Reliance Home Finance Limited engages in the housing finance business in India. The company offers a range of loans, such as home and affordable housing loans, loans against properties, and construction finance loans. It also provides property services. Reliance Home Finance Limited was incorporated in 2008 and is based in Mumbai, India.