Reliance Home Finance Limited (RHFL) - Net Assets

Latest as of September 2025: Rs36.11 Billion INR ≈ $390.48 Million USD

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 RHFL asset resilience ratio to evaluate the company's liquid asset resilience ratio.

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. Also explore total assets of Reliance Home Finance Limited for the complete picture of this company's asset base.

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. For live valuation and market cap data, see Reliance Home Finance Limited market cap and net worth.

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
Puri Global Sukses Tbk Pt JK:PURI	$10.02 Million
ERWE Immobilien AG F:ERWE	$10.02 Million
Tonkens Agrar AG XETRA:GTK	$10.04 Million
Marine Petroleum Trust NASDAQ:MARPS	$10.04 Million
Baru Gold Corp V:BARU	$10.02 Million
Adavale Resources Ltd AU:ADD	$10.01 Million
Buxton Resources Ltd AU:BUX	$10.01 Million
T.M.C. Industrial Public Company Limited BK:TMC	$10.01 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	Rs1.91	x
2014-03-31	Rs70.54	Rs1.91	x
2015-03-31	Rs11.00	Rs1.91	x
2016-03-31	Rs12.78	Rs1.91	x
2017-03-31	Rs123.00	Rs1.91	x
2018-03-31	Rs56.28	Rs1.91	x
2019-03-31	Rs37.97	Rs1.91	x
2020-03-31	Rs30.24	Rs1.91	x
2021-03-31	Rs-1.09	Rs1.91	x
2022-03-31	Rs-113.23	Rs1.91	x
2023-03-31	Rs-1.52	Rs1.91	x
2024-03-31	Rs-1.52	Rs1.91	x
2025-03-31	Rs-1.11	Rs1.91	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: $35,455,181,889
Average return on equity (ROE) among peers: 8.21%

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	$10.02 Million
Aadhar Housing Finance Ltd (AADHARHFC)	$26.93 Billion	0.00%	4.06x	$2.34 Billion
Aavas Financiers Limited (AAVAS)	$10.98 Billion	8.47%	2.48x	$1.18 Billion
Aptus Value Housing Finance India Limited (APTUS)	$17.09 Billion	12.35%	1.19x	$1.41 Billion
Bajaj Housing Finance (BAJAJHFL)	$60.32 Billion	7.51%	5.28x	$7.83 Billion
GIC Housing Finance Limited (GICHSGFIN)	$9.45 Billion	15.64%	8.76x	$88.78 Million
Home First Finance Company India Limited (HOMEFIRST)	$2.32 Billion	2.59%	1.56x	$1.33 Billion
INDIA SHELTER FINANCE CORPORATION LIMITED (INDIASHLTR)	$8.00 Billion	3.80%	0.67x	$968.40 Million
PNB Housing Finance Limited (PNBHOUSING)	$149.74 Billion	10.07%	3.84x	$2.94 Billion
Repco Home Finance Limited (REPCOHOME)	$34.27 Billion	13.47%	3.29x	$278.14 Million

About Reliance Home Finance Limited

NSE:RHFL India Mortgage Finance

Market Cap

$10.02 Million

Rs926.46 Million INR

Market Cap Rank

#26865 Global

#1514 in India

Share Price

Rs1.91

Change (1 day)

-4.98%

52-Week Range

Rs1.91 - Rs7.78

All Time High

Rs110.89