Reliance Home Finance Limited - financial services in Mumbai, Maharashtra, India. FY 2026 financials & compliance.
CIN L67190MH2008PLC183216 Incorporated 05 June 2008 ROC Mumbai HQ Mumbai, Maharashtra, India
Under Insolvency Listed - NSE: RHFL · BSE: 540709 Public Limited Company financial services
Data last updated
Market Cap
₹64.51 Cr
RHFL · NSE
Share Price
₹1.39
+4.51% today
Revenue
₹0.22 Cr
FY 2024-25 · -64.5% YoY
EBITDA
−₹3.23 Cr
Margin -1,468.2%
Net Profit
−₹4.06 Cr
FY 2024-25 · -6.6% YoY
Authorised capital
₹800 Cr
Registered with MCA
Paid-up capital
₹516.09 Cr
Issued & subscribed
Open charges
₹13,706 Cr
Satisfied ₹9,040 Cr

About Reliance Home Finance Limited

Data last updated:

Reliance Home Finance Limited is a public limited company based in Mumbai, Maharashtra, India, a subsidiary of Reliance Capital Ltd. The company is currently undergoing Corporate Insolvency Resolution Process (CIRP) under the Insolvency and Bankruptcy Code, 2016. Management control has been transferred to an insolvency professional. It operates in the housing finance companies segment of the financial services sector. It was incorporated on 05 June 2008.

The company is registered with the Registrar of Companies (ROC), Mumbai, under CIN L67190MH2008PLC183216. Its GSTIN is 27AAECR0305E1ZX (Maharashtra). The company holds 21 GST registrations, of which 17 are active. It is a listed company as per MCA records. Its shares are listed on BSE: 540709 and NSE: RHFL.

The company has an authorised share capital of ₹800 Cr and a paid-up capital of ₹516.09 Cr. It was formerly known as Reliance Homes Finance Private Limited and Universal Hfc Limited. It is led by directors including Sushilkumar Agrawal and Gopala Ramaratnam.

Its last annual general meeting (AGM) was held on 29 September 2023, and its latest financial statements are for the year ended 31 March 2023. The registered office is at Mumbai, Maharashtra.

As per the latest standalone financials for FY 2024-25, the company reported a revenue of ₹22 Lakh, a decline of 64.5% compared to the previous year. For the same year it recorded a net loss of ₹4.06 Cr and EBITDA of -₹3.23 Cr.

The company has about 3 employees on its provident fund (EPFO) records.

The company is associated with 1 brand: Reliance Home Finance. As per MCA filings, the company has open charges of ₹13,706 Cr and satisfied charges of ₹9,040 Cr on record. Court records list 5,168 cases involving the company, including 4,802 filed by the company and 366 filed against it; 642 cases are pending. The company has 78 deals on record (68 market trades, 7 funding rounds, 3 secondary share transfers), with disclosed funding of ₹924.98 Cr; the latest was in May 2026. Its 6 peer companies in the BFSI industry (Finance, Housing Finance), with the same principal business activity (other financial activities) are compared by revenue, 2 larger and 4 smaller; the largest is Iti Finance Limited with revenue of ₹299.13 Cr.

The last known website on record is reliancehomefinance.com.

Company details

CIN L67190MH2008PLC183216
Registration Number 183216
Incorporation Date 05 June 2008
ROC Mumbai
Listing Status Listed - Listed on NSE (RHFL); Listed on BSE (540709)
Company Status Under CIRP
Date of Last AGM 29 September 2023
Date of Balance Sheet 31 March 2023
Parent Company Reliance Capital Ltd
Compliance Status Active Compliant

Name history

Reliance Home Finance has undergone 4 name changes throughout its history. The current legal name is Reliance Home Finance Limited.

Company NameStatus
Reliance Home Finance LimitedCurrent
Reliance Homes Finance Private LimitedPrevious
Universal Hfc LimitedPrevious
Reliance Home Finance Private LimitedPrevious
H2all Finance LimitedPrevious

CIN history

Reliance Home Finance has 2 previous CINs, indicating changes in the company's corporate structure or registration details. The current CIN is L67190MH2008PLC183216, which is the unique identifier assigned by the Registrar of Companies.

CINStatus
L67190MH2008PLC183216Current
U67190MH2008PLC183216Previous
U67190MH2008PTC183216Previous

Contact details

Reliance Home Finance Limited's registered office is in Mumbai, Maharashtra. Its website is reliancehomefinance.com. Its e-mail address and telephone number are in the company report.

  • Email
  • Telephone
  • Social Media
  • Registered Address
    Trade World Kamala Mills Compound 7th Floor B Wing, Senapati Bapat Marg Lower Parel (West), Mumbai, Maharashtra, India – 400013
  • Industry
    Financial Services, Housing Finance Companies

To see the full contact details of Reliance Home Finance Limited, buy the company report.

Comprehensive company report
Reliance Home Finance Limited - one report that includes everything
  • Company details, directors and signatories
  • Historical financials and ratios
  • Shareholding pattern and group structure
  • Charges with holder and property details
  • Legal cases, compliance and MCA filings
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Brands

Reliance Home Finance operates one associated brand: Reliance Home Finance. Each brand links to its own profile.

BrandDescriptionWebsite
Home loans are provided across India by this finance subsidiary.reliancehomefinance.com

Business activity

Reliance Home Finance operates primarily in the financial and insurance service sector. One business activity is registered with the MCA.

Main activity groupBusiness activityShare of turnover
Financial and insurance ServiceOther financial activities

To see the full business activity and turnover split of Reliance Home Finance Limited, buy the company report.

Financials of Reliance Home Finance Limited

FY 2024-25 filings available

Reliance Home Finance Limited reported revenue of ₹22 Lakh (down 64.5% YoY) for FY 2024-25.

Financial Highlights

FY 2024-25 · Standalone
Revenue
₹0.22 Cr
-64.5% YoY
EBITDA
−₹3.23 Cr
-36.9% YoY
Profit After Tax
−₹4.06 Cr
-6.6% YoY
Net Worth
-
Total Assets
-
Total Debt
-

Revenue vs Net Profit ₹ Cr

Margin trends

Financial summary ₹ Cr

MetricsFY 2024-25FY 2023-24FY 2022-23FY 2021-22FY 2020-21FY 2019-20FY 2018-19
Income statement
Revenue0.220.623912938401,6002,000
Revenue growth-64.5%-99.8%+33.4%-65.1%-47.5%-20.0%-
EBITDA(3.23)(2.36)9,047(6,509)(1,081)7701,425
EBITDA margin-1468.2%-380.7%+2313.6%-2220.5%-128.8%+48.1%+71.3%
Profit before tax24.10(3.55)9,014(7,906)(2,303)(567)102
Net profit(4.06)(3.81)5,585(5,440)(1,520)(375)67.42
Net profit margin-1845.5%-614.5%+1428.3%-1855.6%-181.0%-23.4%+3.4%
EPS (₹)0.50(0.07)111.71(112.14)(31.33)(7.74)1.39
Balance sheet
Total assets--13.167,22212,92314,70217,541
Net worth--(73.83)(5,492)(52.96)1,4671,842
Total debt--86.9912,71412,97613,23515,699
Cash & bank--17.542,9611,310510593
Net working capital--13.16310(259)(96.80)775
Cash flow
Cash from operations--4,103(597)3,0684,713(1,189)
Cash from investing--(105)848(1,560)(856)(55.00)
Cash from financing--(4,035)(367)(1,374)(3,927)1,291
ParticularsMar 2025Dec 2024Sep 2024Jun 2024Mar 2024Dec 2023Sep 2023Jun 2023
Revenue0.000.020.020.180.180.160.160.12
Revenue growth (YoY)-100.0%-87.5%-87.5%+50.0%-99.8%---
Other income0.000.3427.890.000.000.000.000.26
Total expenses0.532.240.410.275.482.720.83(6.05)
EBITDA(0.53)(2.22)(0.39)(0.09)(5.30)(2.56)(0.67)6.17
EBITDA margin---1950.0%-50.0%-2944.4%-1600.0%-418.8%+5141.7%
Depreciation0.000.000.000.000.000.000.000.00
Interest0.160.110.290.341.450.000.000.00
Profit before tax(0.69)(1.99)27.21(0.43)(6.75)(2.56)(0.67)6.43
Tax0.00(0.07)0.000.000.000.000.000.00

Financial Statements

Figures in ₹ Cr; negatives in brackets. Updated 02 Nov 2026
ParticularsMar 2025Dec 2024Sep 2024Jun 2024Mar 2024Dec 2023Sep 2023Jun 2023
Revenue0.000.020.020.180.180.160.160.12
Revenue growth (YoY)-100.0%-87.5%-87.5%+50.0%-99.8%---
Other income0.000.3427.890.000.000.000.000.26
Total expenses0.532.240.410.275.482.720.83(6.05)
EBITDA(0.53)(2.22)(0.39)(0.09)(5.30)(2.56)(0.67)6.17
EBITDA margin---1950.0%-50.0%-2944.4%-1600.0%-418.8%+5141.7%
Depreciation0.000.000.000.000.000.000.000.00
Interest0.160.110.290.341.450.000.000.00
Profit before tax(0.69)(1.99)27.21(0.43)(6.75)(2.56)(0.67)6.43
Tax0.00(0.07)0.000.000.000.000.000.00
ParticularsFY 2024-25FY 2023-24FY 2022-23FY 2021-22FY 2020-21FY 2019-20FY 2018-19
Revenue0.220.623912938401,6002,000
Revenue growth-64.5%-99.8%+33.4%-65.1%-47.5%-20.0%-
Other income28.230.260.330.350.783.002.45
Total expenses3.452.98(8,656)6,8021,921830575
Employee cost0.000.0013.7016.6536.2072.66125
EBITDA(3.23)(2.36)9,047(6,509)(1,081)7701,425
EBITDA margin-1468.2%-380.7%+2313.6%-2220.5%-128.8%+48.1%+71.3%
Depreciation0.000.001.962122.643.623.38
Interest0.901.4531.501,1851,2201,3371,323
Profit before tax24.10(3.55)9,014(7,906)(2,303)(567)102
Tax(0.07)0.003,595(2,467)(783)(192)34.18
Net profit(4.06)(3.81)5,585(5,440)(1,520)(375)67.42
Net profit margin-1845.5%-614.5%+1428.3%-1855.6%-181.0%-23.4%+3.4%
EPS (₹)0.50(0.07)111.71(112.14)(31.33)(7.74)1.39
ParticularsFY 2024-25FY 2023-24FY 2022-23FY 2021-22FY 2020-21FY 2019-20FY 2018-19
Equity & liabilities
Share capital--485485485485485
Reserves & surplus--(559)(5,977)(538)9821,357
Shareholders' funds (net worth)--(73.83)(5,492)(52.96)1,4671,842
Secured loans--0.9511,32611,63311,93714,206
Unsecured loans--86.041,3881,3431,2991,493
Total debt--86.9912,71412,97613,23515,699
Total liabilities--13.167,22212,92314,70217,541
Assets
Gross block--0.0062.34272276276
Net block--0.0047.70259262266
Capital work in progress--0.000.070.000.530.16
Investments--0.001611,00795193.46
Inventories--0.000.000.000.000.00
Sundry debtors--0.000.000.000.000.00
Cash & bank balances--17.542,9611,310510593
Loans & advances--17.31271406420766
Total current assets--34.853,2321,7159301,359
Total current liabilities--21.692,9221,9751,027585
Net working capital--13.16310(259)(96.80)775
Total assets--13.167,22212,92314,70217,541
ParticularsFY 2024-25FY 2023-24FY 2022-23FY 2021-22FY 2020-21FY 2019-20FY 2018-19
Opening cash--54.4117035.6110658.95
Net cash from operating activities--4,103(597)3,0684,713(1,189)
Net cash from investing activities--(105)848(1,560)(856)(55.00)
Net cash from financing activities--(4,035)(367)(1,374)(3,927)1,291
Net change in cash--(36.87)(116)135(70.23)46.89
Closing cash--17.542,9611,310510593
ParticularsFY 2024-25FY 2023-24FY 2022-23FY 2021-22FY 2020-21FY 2019-20FY 2018-19
Growth
Sales growth-64.5%-99.8%+33.4%-65.1%-47.5%-20.0%-
EBITDA growth-36.9%-100.0%+239.0%-502.1%-240.4%-46.0%-
PBT growth+9998.0%-+9998.0%-243.3%-306.0%--58.9%
Net income growth-6.6%-100.1%+202.7%-257.9%-305.6%-655.7%-
Revenue CAGR (3Y)-90.9%-91.0%-37.5%-47.3%-20.7%+12.8%+34.9%
EBITDA CAGR (3Y)-92.1%-87.0%+127.3%---3.7%+28.4%
Profitability & leverage
Net income margin--572.6%+1385.7%-1855.6%-181.0%-23.5%+3.4%
Return on capital employed--+210.3%0.0%0.0%0.0%+8.7%
Return on net worth---258.2%0.0%0.0%0.0%+3.7%
Debt / equity--0.000.0018.548.747.86
Long-term debt / equity--0.000.0017.308.127.38
Interest cover-27.86-61.440.35-17.64-112.55174.4193.03
Efficiency & per share
Fixed asset turnover--0.000.000.000.000.00
Inventory turnover--0.000.000.000.000.00
Debtors turnover--0.000.000.000.000.00
EPS (₹)0.50(0.07)111.71(112.14)(31.33)(7.74)1.39
Dividend per share (₹)0.000.000.000.000.000.000.00
Book value per share (₹)0.000.00(1.52)(113.23)(1.09)30.2437.97

To see the full year-wise statements and ratios of Reliance Home Finance Limited, buy the company report.

Board of directors of Reliance Home Finance Limited

Reliance Home Finance has 3 current directors and 39 former directors. Current directors are listed first, with their designation and appointment date.

Directors (as last reported)
NameDesignationAppointment DateTenureStatus
Sushilkumar AgrawalDirector23 Jan 20206 Years 9 MonthsAs last reported
Gopala RamaratnamDirector15 Apr 20242 Years 6 MonthsAs last reported
Ravishekhar PandeyDirector15 Apr 20242 Years 6 MonthsAs last reported

Peer comparison

Reliance Home Finance Limited is compared with the 6 companies closest to it by revenue in the BFSI industry (Finance, Housing Finance), with the same principal business activity (other financial activities), from the latest filed financials of each company.

CompanyRevenueNet profitMarginGrowth (1 yr)EmployeesLocation
Iti Finance Limited₹299.13 Cr (FY 2024)22.0%Mumbai, Maharashtra, India
Berar Finance Limited₹294.96 Cr (FY 2025)17.0%Nagpur, Maharashtra, India
Vivifi India Finance Private Limited₹292.8 Cr (FY 2025)19.0%Hyderabad, Telangana, India
Niwas Housing Finance Limited₹290.43 Cr (FY 2024)39.0%Mumbai, Maharashtra, India
Everest Securities & Finance Limited₹286.23 Cr (FY 2020)-71.0%Mumbai, Maharashtra, India
Varthana Finance Private Limited₹284.27 Cr (FY 2024)52.0%Bangalore, Karnataka, India
Reliance Home Finance Limitedthis company₹22 Lakh (FY 2025)-₹4.06 Cr-64.5%3Mumbai, Maharashtra, India

To see the full peer comparison of Reliance Home Finance Limited, buy the company report.

Auditor

Reliance Home Finance Limited is audited by Price Waterhouse & Co Chartered Accountants LLP for the financial year 2018.

Auditor firmFinancial yearFirm registration number
Price Waterhouse & Co Chartered Accountants LLPFY 2018304026E / E300009

Shareholding

Shareholding for the quarter ended Sep 2026: promoters hold 0.70%, foreign institutional investors hold 0.00%, domestic institutional investors hold 1.60% and retail and other public shareholders hold 97.70%.

Promoters: 0.70%DII (Domestic Institutional): 1.60%Retail & Others: 97.70%
Sep 2026
QUARTER
0.70% Promoters
1.60% DII (Domestic Institutional)
97.70% Retail & Others
Promoter holding - history
Now 0.70% · Sep 2026High 0.70% · Mar 2026Low 0.70% · Mar 2026
0%0.5%1%1.5%2%Mar 2026Jun 2026Sep 2026Mar 2026: 0.70%Jun 2026: 0.70%Sep 2026: 0.70%0.70%0.70%
Shareholding trend - last 6 quarters
Sep 2026Jun 2026Mar 2026
Promoters0.70%0.70%0.70%
Public99.30%99.30%99.30%

Charges & borrowings

Open charges
₹13,706 Cr
Satisfied charges
₹9,040 Cr
Breakdown by lending institutions
Idbi Trusteeship Services Limited₹7,173.00 Cr
Others₹6,532.91 Cr
Latest charge details
DateCharge IDLenderAmountStatusModified or satisfied on
28 Jun 2019100276516Others₹200 CrOpen
28 Feb 2019100242818Others₹56.9 CrOpen
21 Feb 2019100241035Others₹25.57 CrOpen
21 Feb 2019100241042Others₹27.11 CrOpen
09 Feb 2018100153528Idbi Trusteeship Services Limited₹1,500 CrOpen

To see the full charge records of Reliance Home Finance Limited, buy the company report.

Total charge records: 70 View all charges

Deals & funding

Reliance Home Finance Limited has 78 deals on record (68 market trades, 7 funding rounds, 3 secondary share transfers), with disclosed funding of ₹924.98 Cr; the latest was in May 2026.

Total deals
78
Market trades
68
Funding rounds
7
Secondary share transfers
3
Disclosed funding
₹924.98 Cr

Deals on record (5 of 78)

To see the full deal history of Reliance Home Finance Limited, buy the company report.

Deal records are compiled from filings and public sources; amounts are shown only where the source reported them.

Credit ratings & regulatory alerts

Reliance Home Finance Limited was last rated by Care on 07 Mar 2022.

Rating agencyRated onRating
Care07 Mar 2022

To see the full credit ratings and regulatory alerts of Reliance Home Finance Limited, buy the company report.

MSME payment delays

No delayed payments to MSME suppliers are on our record for Reliance Home Finance Limited; the supplier-wise MSME Form 1 check is in the company report Buy the company report.

Employees & EPFO

Reliance Home Finance Limited has a workforce of 3 employees on its EPFO records as of Mar 22, 2024, across 1 active EPFO establishment.

Employee count
3
Active EPFO establishments
1
Employee growth
-97.66%

GST

Reliance Home Finance has 21 GST registrations: 17 active and 4 cancelled or inactive. The first 4 active GSTINs are listed below.

Total GSTINs
21
Active
17
Cancelled / inactive
4
GSTINStateStatusRegistered on
27AAECR0305E1ZXMaharashtraActive01 Jul 2017
27AAECR0305E2ZWMaharashtraActive06 Jul 2017
03AAECR0305E1Z7PunjabActive01 Jul 2017
04AAECR0305E1Z5ChandigarhActive01 Jul 2017

To see the full GST registrations and return filing status of Reliance Home Finance Limited, buy the company report.

Recent activity

Reliance Home Finance Limited has 59 board changes on record since 2008: 31 appointments and 28 cessations. The latest: Nitesh Subhash Shinde ceased to be Additional Director on 28 Aug 2025.

Ceased
Nitesh Subhash Shinde ceased to be Additional Director.
Ceased
Sanjay P Shinde ceased to be Additional Director.
Ceased
Heena Rajendra Jaysinghani ceased to be Director.
Appointed
Nitesh Subhash Shinde was appointed as Additional Director.
Appointed
Sanjay P Shinde was appointed as Additional Director.
Ceased
Shanil Kiran Jain ceased to be CFO.
Ceased
Ashok Ramaswamy ceased to be Director.
Appointed
Gopala Ramaratnam was appointed as Director.
Appointed
Heena Rajendra Jaysinghani was appointed as Director.
Appointed
Ravishekhar Pandey was appointed as Director.
Ceased
Ashish Dhirajlal Turakhia ceased to be Director.
Ceased
Chhaya Virani ceased to be Director.

183 earlier events are in the company report.

Frequently asked questions

Reliance Home Finance is undergoing "Corporate Insolvency Resolution Process" (CIRP) under the Insolvency and Bankruptcy Code, 2016. Management control has been transferred to an insolvency resolution professional. The company may not be able to independently enter into new commitments during this period. This is a high-risk status - verify the resolution status before any engagement.

Reliance Home Finance is a company under insolvency, formerly operating as a public limited company based in Mumbai, Maharashtra, India. The company works in housing finance companies, within the financial services industry. It was incorporated on 05 June 2008 and is registered under CIN L67190MH2008PLC183216. Listed on BSE: 540709 and NSE: RHFL. Caution is advised - the company may not have the legal capacity to fulfil new agreements.

Reliance Home Finance reported revenue of ₹22 Lakh for FY 2024-25 (down 64.5% YoY) based on standalone financials.

Reliance Home Finance has 3 current directors:

The latest financial statements of Reliance Home Finance on record with the MCA are for the year ended 31 March 2023. Its last annual general meeting was held on 29 September 2023. Year-wise statements from 2015 are in the company report.

The CIN (Corporate Identification Number) of Reliance Home Finance is L67190MH2008PLC183216. It is issued by the Ministry of Corporate Affairs under the Companies Act, 2013, and uniquely identifies the company in India.

Yes. Reliance Home Finance is a listed company as per MCA records. Its shares are listed on both BSE (code: 540709) and NSE (symbol: RHFL).

Reliance Home Finance has open charges of ₹13,706 Cr and satisfied charges of ₹9,040 Cr as per latest MCA filings.

Reliance Home Finance has 5,168 court cases on record: 4,802 filed by the company and 366 filed against it. 642 are pending. Most are in the district courts.

Reliance Home Finance was incorporated on 05 June 2008. It is registered with the Registrar of Companies, Mumbai.

Reliance Home Finance has 78 deals on record (68 market trades, 7 funding rounds, 3 secondary share transfers), with disclosed funding of ₹924.98 Cr; the latest was in May 2026.