India Home Loan Ltd. · BSE:INDIAHOME
India Home Loan — Investor Presentation (June 2026)
13 slides from India Home Loan's investor presentation, June 2026
Slide 1: India Home Loan Limited
India Home Loan Limited June 2026
Slide 2: Q1 FY 26-27: Brief Overview
India Home Loan Limited • Q1’FY 26-27: Brief Overview • Loan Book at INR 48.58 Crores as of June 2026. • INR 0.82 Crores has been received against Assets Held For Sale. • Q1’ FY26-27 PAT is INR 6.21 Lakhs as against a PAT of INR 0.39 Lakhs for Q4’ FY25-26. • Q1’ FY26-27 Disbursement amounted to INR
Slide 3: Dashboard: Key Financials
Dashboard: Key Financials INR in Lakhs Financial Snapshot Q1 FY 26-27 Q4 FY 25-26 Q3 FY 25-26 Q2 FY 25-26 Interest Income 239 354 333 339 Interest Expense 117 173 180 187 Net Interest Income 122 181 152 152 Other Non-Operating Income 0 1 -1 0 Fee & Other Operational Income 8 17 0 11 Total Income 131
Slide 4: Dashboard: Key Ratios
Dashboard: Key Ratios Ratios Q1 FY 26-27 Q4 FY 25-26 Q3 FY 25-26 Q2 FY 25-26 Return on Assets (*) 0.51% 0.03% 0.07% 0.65% Return on Equity (*) 0.64% 0.04% 0.09% 0.77% NIM (*) 10.09% 14.91% 12.46% 13.41% Avg Yield (Loans+ Treasury) 19.58% 29.00% 27.05% 29.66% Borrowing Cost 11.68% 16.81% 17.08% 17.02
Slide 5: Dashboard: Key Ratios
Dashboard: Key Ratios ROATree Q1 FY 26-27 Q4 FY 25-26 Q3 FY 25-26 Q2 FY 25-26 Interest Income 19.68% 29.09% 27.19% 29.85% Interest Expense 9.60% 14.18% 14.73% 16.44% Net Interest Income 10.09% 14.91% 12.46% 13.41% Fee Income 0.68% 1.36% -0.10% 0.95% Total Income (Incl. Other Income) 18.80% 16.33% 12
Slide 6: Asset Profile – By Loan Type
Asset Profile – By Loan Type Asset Mix – Value Jun-26 Mar-26 Dec-25 Sep-25 Home Loans 4,037 4,053 4,103 4,258 SME Lap 227 229 209 219 Project Funding 594 585 581 72 Inter-Corporate Deposit - - - - Total 4,858 4,867 4,893 4,548 Asset Mix - % Jun-26 Mar-26 Dec-25 Sep-25 Home Loans 83% 83% 84% 94% SME
Slide 7: Asset Profile – By Geography
Asset Profile – By Geography Asset Mix – State wise Jun-26 Mar-26 Dec-25 Sep-25 Maharashtra 480 464 526 532 Gujarat 4,301 4,326 4,290 3,941 Rajasthan 77 78 77 75 Total 4,858 4,867 4,893 4,548 Asset Mix - %age –State Wise Jun-26 Mar-26 Dec-25 Sep-25 Maharashtra 10% 10% 11% 12% Gujarat 89% 89% 88% 87%
Slide 8: No of Customers
No of Customers HL LAP Project Finance Total Maharashtra 79 5 84 Gujarat 872 16 2 890 Rajasthan 17 1 0 18 Total 968 22 2 992
Slide 9: Portfolio Banding – Home Loans
Portfolio Banding – Home Loans Loan Amount Range No of Customers Loan Outstanding Total% Less Than INR 15 lakhs 906 2543 63% INR 15 lakhs – INR 25 lakhs 41 758 19% Greater than INR 25 lakhs 21 737 18% Total 968 4037 100%
Slide 10: Portfolio Banding – LAP
Portfolio Banding – LAP Loan Amount Range No of Customers Loan Outstanding Total% Less Than INR 15 lakhs 17 84 37% INR 15 lakhs – INR 25 lakhs 4 83 36% Greater than INR 25 lakhs 1 60 27% Total 22 227 100%
Slide 11: Portfolio Banding – Construction Finance
Portfolio Banding – Construction Finance Loan Amount Range No of Customers Loan Outstanding Total% Less Than INR 150 lakhs 1 71 11% INR 150 lakhs – INR 250 lakhs - - Greater than INR 250 lakhs 1 523 89% Total 2 594 100%
Slide 12: Liability Profile
Liability Profile Liability Mix – % Jun-26 Mar-26 Dec-25 Sep-25 Banks 96% 96% 96% 95% FI's 4% 4% 4% 5% Total 100% 100% 100% 100%
Slide 13: Thank you.
Thank you.