Reliance Home Finance Limited (NSE:RHFL)

Reliance Home Finance Income Statement

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

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Mar 31, 2025	Mar 31, 2024	Mar 31, 2023	Mar 31, 2022	Mar 31, 2021
Interest and Dividend Income	2.23	6.18	3,769	2,768	7,888
Total Interest Expense	9	14.5	313.2	11,851	12,196
Net Interest Income	-6.78	-8.31	3,456	-9,083	-4,308
Commissions and Fees	-	-	50.4	80	70.8
Gain (Loss) on Sale of Investments	-	-	60.4	15.8	356.4
Other Revenue	-	-	3.3	2.4	4.8
Revenue Before Loan Losses	-6.78	-8.31	3,570	-8,985	-3,876
Provision for Loan Losses	-	-	-90,515	67,079	18,163
Revenue	-6.78	-8.31	94,086	-76,064	-22,039
Salaries & Employee Benefits	2.46	26.62	137	166.5	362
Cost of Services Provided	-	-	129.7	128.4	137
Other Operating Expenses	31.99	3.16	917.2	594.7	475
Total Operating Expenses	34.45	29.77	1,204	910.9	1,000
Operating Income	-41.23	-38.09	92,882	-76,974	-23,040
EBT Excluding Unusual Items	-41.23	-38.09	92,910	-76,966	-23,032
Impairment of Goodwill	-	-	-	-2,100	-
Other Unusual Items	282.31	2.6	-2,772	-	-
Pretax Income	241.07	-35.49	90,138	-79,064	-23,029
Income Tax Expense	-0.66	-	35,952	-24,668	-7,830
Net Income	241.73	-35.49	54,186	-54,396	-15,199
Net Income to Common	241.73	-35.49	54,186	-54,396	-15,199
Shares Outstanding (Basic)	483	507	485	485	485
Shares Outstanding (Diluted)	483	507	485	485	485
Shares Change (YoY)	-4.64%	4.52%	-	-	-
EPS (Basic)	0.50	-0.07	111.71	-112.14	-31.33
EPS (Diluted)	0.50	-0.07	111.71	-112.15	-31.33
Free Cash Flow	89.9	-217.85	41,028	-5,978	30,674
Free Cash Flow Per Share	0.19	-0.43	84.58	-12.32	63.24
Operating Margin	-	-	98.72%	-	-
Profit Margin	-	-	57.59%	-	-
Free Cash Flow Margin	-	-	43.61%	-	-
Effective Tax Rate	-	-	39.89%	-	-
Revenue as Reported	2.23	6.18	3,914	2,935	8,404

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