RHFL
Reliance Home Finance financials
- Market cap
- ₹91 Cr
- Sector
- Financial Services
Quarterly results
Q4 FY25: revenue down 100.0%, net profit up 89.8% against the same quarter last year.
| Line item | Q1 FY24 | Q2 FY24 | Q3 FY24 | Q4 FY24 | Q1 FY25 | Q2 FY25 | Q3 FY25 | Q4 FY25 |
|---|---|---|---|---|---|---|---|---|
| Revenue | 0 | 0 | 0 | 0 | 0 +50% | 0 −88% | 0 −88% | 0 −100% |
| EBITDA | 6 | -1 | -3 | -5 | -0 −102% | -0 +42% | -2 +14% | -1 +90% |
| Net profit | 6 | -1 | -3 | -7 | -0 −107% | 27 +4224% | -2 +25% | -1 +90% |
How to read this
₹ crore, as filed. The percentage beside a figure is the change against the same quarter a year earlier — never the quarter before, which would make every seasonal business look like it collapses and booms each year.
Performance −60.4% 1Y
1Y: ₹4.72 on 10 Sept 2025 → ₹1.87. High ₹4.73 (16 Sept 2025), low ₹1.72 (20 Aug 2026).
Financials, as filed
Revenue fell 97.6% a year over 2 years, FY23 to FY25. Operating margin narrowed to -1463.6%.
| Year ending | FY23 | FY24 | FY25 |
|---|---|---|---|
| Revenue | ₹382 Cr | ₹1 Cr | ₹0 Cr |
| Operating profit | ₹9.3k Cr | ₹-2 Cr | ₹-3 Cr |
| Operating margin | 2442.9% | -379.0% | -1463.6% |
| Interest | ₹31 Cr | ₹1 Cr | ₹1 Cr |
| Depreciation | ₹23 Cr | ₹0 Cr | ₹0 Cr |
| Net profit | ₹5.4k Cr | ₹-4 Cr | ₹24 Cr |
| Net margin | 1417.8% | -571.0% | 10986.4% |
| Cash from operations | ₹4.1k Cr | ₹-22 Cr | ₹9 Cr |
| Free cash flow | ₹4.1k Cr | ₹-22 Cr | ₹9 Cr |
| ROCE | 258.0% | -17.0% | -432.0% |
How to read this
From the company's own filings. Margins are computed from the filed sums; a year with an incomplete quarter is left blank rather than estimated.
Balance sheet
| Year ending | FY20 | FY21 | FY22 | FY23 | FY24 | FY25 |
|---|---|---|---|---|---|---|
| Equity capital | ₹485 Cr | ₹485 Cr | ₹485 Cr | ₹485 Cr | ₹485 Cr | ₹485 Cr |
| Reserves | ₹982 Cr | ₹-538 Cr | ₹-6.0k Cr | ₹-559 Cr | ₹-562 Cr | ₹-538 Cr |
| Borrowings | ₹13.2k Cr | ₹13.0k Cr | ₹12.7k Cr | ₹87 Cr | ₹91 Cr | ₹40 Cr |
| Other liabilities | ₹1.0k Cr | ₹2.0k Cr | ₹2.9k Cr | ₹22 Cr | ₹16 Cr | ₹14 Cr |
| Total liabilities | ₹15.7k Cr | ₹14.9k Cr | ₹10.1k Cr | ₹35 Cr | ₹30 Cr | ₹2 Cr |
| Fixed assets | ₹262 Cr | ₹259 Cr | ₹48 Cr | ₹0 Cr | ₹0 Cr | ₹0 Cr |
| Capital work in progress | ₹1 Cr | ₹0 Cr | ₹0 Cr | ₹0 Cr | ₹0 Cr | ₹0 Cr |
| Investments | ₹951 Cr | ₹1.0k Cr | ₹161 Cr | ₹0 Cr | ₹0 Cr | ₹0 Cr |
| Other assets | ₹14.5k Cr | ₹13.6k Cr | ₹9.9k Cr | ₹35 Cr | ₹30 Cr | ₹2 Cr |
| Total assets | ₹15.7k Cr | ₹14.9k Cr | ₹10.1k Cr | ₹35 Cr | ₹30 Cr | ₹2 Cr |
How to read this
As filed each year. A line the company does not report — deposits for a non-lender, for instance — is left out rather than shown as a row of dashes.
Who owns it
As disclosed at Mar 2025
Since Mar 2024, FIIs trimmed −0.39 pp while the public added +0.38 pp. The shareholder count grew 6% to 10,06,312.
- Promoters
- 0.7%
- DIIs
- 1.5%
- Government
- 0.0%
- Public
- 97.7%
Since Mar 2024
- FIIs −0.39 pp
- Public +0.38 pp
- DIIs −0.01 pp
How it drifted, 12 quarters
Over this window the public went from 47.5% to 97.7% — +50.2 pp.
Ownership split by quarter, oldest first. Jun '22: Promoters 48.8%, FIIs 2.2%, DIIs 1.6%, Government 0.0%, Public 47.5%.Sep '22: Promoters 48.6%, FIIs 2.2%, DIIs 1.6%, Government 0.0%, Public 47.6%.Dec '22: Promoters 48.6%, FIIs 2.2%, DIIs 1.6%, Government 0.0%, Public 47.6%.Mar '23: Promoters 48.6%, FIIs 2.2%, DIIs 1.6%, Government 0.0%, Public 47.6%.Jun '23: Promoters 43.6%, FIIs 0.4%, DIIs 1.6%, Government 0.0%, Public 54.4%.Sep '23: Promoters 0.7%, FIIs 0.4%, DIIs 1.6%, Government 0.0%, Public 97.3%.Dec '23: Promoters 0.7%, FIIs 0.4%, DIIs 1.6%, Government 0.0%, Public 97.3%.Mar '24: Promoters 0.7%, FIIs 0.4%, DIIs 1.6%, Government 0.0%, Public 97.3%.Jun '24: Promoters 0.7%, DIIs 1.6%, Government 0.0%, Public 97.7%.Sep '24: Promoters 0.7%, DIIs 1.6%, Government 0.0%, Public 97.7%.Dec '24: Promoters 0.7%, DIIs 1.5%, Government 0.0%, Public 97.7%.Mar '25: Promoters 0.7%, DIIs 1.5%, Government 0.0%, Public 97.7%.
Who is on the register
Named in the Mar 2025 filing
Every holder of Reliance Home Finance Limited above SEBI's 1% disclosure line, and what changed since Dec 2024.
| Holder | Stake | Change |
|---|---|---|
| Ramakrishna Reddy Chinta | 2.43% | unchanged |
| Life Insurance Corporation Of India Insurer | 1.54% | unchanged |
| Reliance Infrastructure Consulting & Engineers Private Limited | 0.61% | unchanged |
| Anil D Ambani | 0.06% | unchanged |
| Tina A Ambani | 0.05% | unchanged |
| Jai Anmol A Ambani | 0.01% | unchanged |
| CLE Private Limited | 0.00% | unchanged |
| Reliance Interactive Advisors Private Limited | 0.00% | unchanged |
| Reliance Innoventures Pvt.Ltd. | 0.00% | unchanged |
| Reliance Infrastructure Management Private Limited | 0.00% | unchanged |
| Reliance Inceptum Private Limited | 0.00% | unchanged |
| Reliance Capital Limited | 0.00% | unchanged |
A holder disappearing from this list has fallen below the 1% line — it is not necessarily a sale. Percentages are of total shares, as disclosed in the company's own filing. Who was buying across the market this quarter.
Learn to analyse Reliance Home Finance Limited
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