India Home Loan Limited (BOM:530979)

India Home Loan Income Statement

Financials in millions INR. Fiscal year is April - March.

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep 30, 2025	Mar 31, 2025	Mar 31, 2024	Mar 31, 2023	Mar 31, 2022	Mar 31, 2021
Interest and Dividend Income	141.5	129.39	115.42	214.81	287.85	303.14
Total Interest Expense	74.65	76.07	94.87	128.34	160.98	198.05
Net Interest Income	66.85	53.32	20.55	86.47	126.87	105.09
Commissions and Fees	6.63	6.63	4.2	7.29	10.05	8.11
Gain (Loss) on Sale of Investments	-	-	-	-	-	0
Other Revenue	-0.15	0.47	0.71	9.78	4.5	-
Revenue Before Loan Losses	73.33	60.42	25.45	103.54	141.42	113.2
Provision for Loan Losses	0.77	1.91	-17.18	-16.66	20.44	30.37
Revenue	72.55	58.5	42.63	120.2	120.98	82.83
Revenue Growth (YoY)	87.92%	37.22%	-64.53%	-0.65%	46.06%	-26.82%
Salaries & Employee Benefits	29.37	27.73	28.15	33.17	31.76	34.96
Cost of Services Provided	2.4	2.4	3.78	2.34	3.3	8.13
Other Operating Expenses	35.23	22.86	42.34	69.21	40.95	22.56
Total Operating Expenses	70.15	55.29	76.15	110.34	81.34	67.99
Operating Income	2.4	3.21	-33.52	9.86	39.64	14.84
EBT Excluding Unusual Items	2.4	3.21	-33.52	9.86	39.64	14.84
Pretax Income	2.66	3.47	-33.69	9.86	39.64	14.84
Income Tax Expense	0.66	0.74	0.75	3.8	20.49	3.62
Net Income	2	2.73	-34.45	6.05	19.16	11.22
Net Income to Common	2	2.73	-34.45	6.05	19.16	11.22
Net Income Growth	-	-	-	-68.39%	70.72%	-60.00%
Shares Outstanding (Basic)	14	14	14	14	14	14
Shares Outstanding (Diluted)	14	14	14	14	14	14
Shares Change (YoY)	-2.26%	-	-	-	-	-10.07%
EPS (Basic)	0.14	0.19	-2.41	0.42	1.34	0.79
EPS (Diluted)	0.14	0.19	-2.41	0.42	1.34	0.79
EPS Growth	-	-	-	-68.66%	70.56%	-55.61%
Free Cash Flow	130.08	117.76	309.05	344.8	400.09	75.91
Free Cash Flow Per Share	9.19	8.25	21.64	24.14	28.01	5.32
Dividend Per Share	-	-	-	-	-	0.100
Dividend Growth	-	-	-	-	-	-33.33%
Operating Margin	3.31%	5.49%	-78.61%	8.20%	32.77%	17.92%
Profit Margin	2.76%	4.66%	-80.79%	5.04%	15.83%	13.55%
Free Cash Flow Margin	179.28%	201.30%	724.89%	286.86%	330.71%	91.65%
Effective Tax Rate	24.88%	21.39%	-	38.58%	51.68%	24.41%
Revenue as Reported	148.38	136.88	121.12	231.87	304.87	311.25

Source: S&P Global Market Intelligence. Financial Services template. Financial Sources.