Aadhar Housing Finance Ltd · AADHARHFC
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₹452 Cr
₹475 Cr
₹475 Cr
₹547 Cr
₹555 Cr
₹593 Cr
₹629 Cr
₹673 Cr
₹692 Cr
₹713 Cr
₹764 Cr
₹798 Cr
₹833 Cr
₹848 Cr
₹897 Cr
₹943 Cr
₹985 Cr
₹993 Cr
20-quarter listed-company comparison
Finance - Housing Stocks in India
Finance - Housing: LIC Housing Finance Ltd owns the largest revenue base; India Shelter Finance Corporation Ltd has the fastest current growth.
The 13 Finance - Housing companies listed in India are Bajaj Housing Finance Ltd (₹70.1K Cr, the largest), Housing & Urban Development Corporation Ltd, LIC Housing Finance Ltd and 10 more. 3 of 13 covered companies beat NIFTY 500 on relative strength. Readings are as of 17 Sep 2026.
Top 10 Finance - Housing Stocks in India (Sep 2026) — ranked by 4-Factor score
- 1Can Fin Homes Ltd₹10.4K Cr67.1/100Favorable setup · strongest on P/BV divided by ROE and profit growth
- 2PNB Housing Finance Ltd₹30.7K Cr63.5/100Mixed-positive evidence · strongest on relative strength versus sector and 13-week relative-strength change
- 3Housing & Urban Development Corporation Ltd₹34.6K Cr60.7/100Mixed-positive evidence · strongest on profit growth and P/BV divided by ROE
- 4Aadhar Housing Finance Ltd₹20.0K Cr59.4/100Mixed-positive evidence · strongest on ROA and income growth
- 5Aptus Value Housing Finance India Ltd₹12.5K Cr58.9/100Mixed-positive evidence · strongest on ROE and profit growth
- 6Home First Finance Company India Ltd₹12.4K Cr57.5/100Mixed-positive evidence · strongest on profit growth and ROA
- 7LIC Housing Finance Ltd₹31.0K Cr56.2/100Mixed-positive evidence · strongest on P/BV divided by ROE and relative strength versus sector
- 8India Shelter Finance Corporation Ltd₹7.1K Cr52.1/100Mixed-positive evidence · strongest on profit growth and income growth
- 9Repco Home Finance Ltd₹2.3K Cr51.9/100Mixed-positive evidence · strongest on P/BV divided by ROE and relative strength versus sector
- 10AAVAS Financiers Ltd₹10.1K Cr50.6/100Mixed-positive evidence · strongest on ROA and gross NPA
Ranked by the 4-Factor Sector Score (growth & earnings 35, capital efficiency 25, valuation 20, relative strength 20). Prices as of 11 Sep 2026. Not investment advice.
01 · the index people search for
Nifty Finance - Housing Index — Constituents & Performance
All 13 listed Indian Finance - Housing companies are named here, largest first — the same constituent set people search for as the Nifty Finance - Housing index. Every figure is equal-weighted across those companies and carries its own as-of date. One large constituent cannot set the reading.
- Bajaj Housing Finance Ltd₹70.1K Cr
- Housing & Urban Development Corporation Ltd₹34.6K Cr
- LIC Housing Finance Ltd₹31.0K Cr
- PNB Housing Finance Ltd₹30.7K Cr
- Aadhar Housing Finance Ltd₹20.0K Cr
- Sammaan Capital Ltd₹17.1K Cr
- Aptus Value Housing Finance India Ltd₹12.5K Cr
- Home First Finance Company India Ltd₹12.4K Cr
- Can Fin Homes Ltd₹10.4K Cr
- AAVAS Financiers Ltd₹10.1K Cr
- India Shelter Finance Corporation Ltd₹7.1K Cr
- Repco Home Finance Ltd₹2.3K Cr
- GIC Housing Finance Ltd₹737 Cr
02 · the sector itself · before any single company
How has Finance - Housing moved against NIFTY 500?
The line below covers up to 5.2 years and opens on the 5Y view; the buttons cut it shorter. Over the most recent two of them this sector is 15% behind NIFTY 500. Earnings across its companies grew 17% on average over the last four reported quarters.
BASING · 1y −5.3%✓Fundamentals up, price down2 of 13 companies ahead of NIFTY 500 by 5% or more over three months2 are 20% or more behind over a year while earnings grew 20% or more
RS — · 3/13 >200d (−1) · 2/13 lead (+1) · EPS 12/13↑
Finance - Housing, equal-weighted, based at 200
NIFTY 500, same base, same start
trailing 12-month earnings per share rising
falling
Finance - Housing, equal-weighted, based at 200
NIFTY 500, same base, same start
trailing 12-month earnings per share rising
falling
Finance - Housing, equal-weighted, based at 200
NIFTY 500, same base, same start
trailing 12-month earnings per share rising
falling
Both lines start at 200 in the same week, so the distance between them is the whole story: the sector line is an equal-weighted index of its 13 companies. The bars underneath are trailing 12-month earnings per share, one bar per reported quarter, each member rebased to 100 at the start and the sector taking the median — so a price line pulling away from flat bars is a re-rating, not earnings. A bar turns red when that figure is lower than the quarter before. Rules are fixed and applied identically everywhere on this site: ahead by 5% or more over three months, or behind by 20% or more over a year while earnings grew 20% or more. Hover any point to read both values and the gap. This is a description of what the numbers did, not advice.
03 · sector relative strength, before individual stocks
Is Finance - Housing outperforming NIFTY 500?
Finance - Housing has underperformed NIFTY 500 by 6.7% over the last 52 weeks. Over 13 weeks the gap is a shortfall of 4.4%. 3 of 13 covered companies currently beat NIFTY on Mansfield relative strength, so leadership inside the sector is selective. PNB Housing Finance Ltd is the strongest against the sector itself at +29.9%.
-4.4%Sector vs NIFTY 500 · 13 weeks
-6.7%Sector vs NIFTY 500 · 52 weeks
3/13Stocks leading NIFTY 500
3/13Stocks leading sector
Sector metric: 7.0 as of 2026-08-22 · NARROWING · rising.
The central tension: the companies with the most scale are not necessarily the companies creating the most change.
Start with scale. Then earnings trajectory. Then business quality. Only after those three agree should price leadership carry much weight.
Bottom line
Finance - Housing has underperformed NIFTY 500 by 6.7% over 52 weeks and 4.4% over 13 weeks. 3 of 13 covered companies beat NIFTY on Mansfield relative strength, while 3 of 13 beat the sector itself. LIC Housing Finance Ltd leads with income of ₹28,562 crore, based on 13 of 13 comparable companies through Jun 2026.
Companies
13
complete canonical membership
Combined market value
₹2.6 L Cr
Bajaj Housing Finance Ltd
Revenue growing
12/13
positive TTM year-on-year growth
Beating NIFTY 500
3/13
positive Mansfield relative strength
Comparing 5 of 13
04 · research priority, made explicit
4-Factor Sector Score
An additive sector-relative research score. The four displayed point contributions always equal the total: Growth & earnings (35), Capital efficiency (25), Valuation (20), and Relative strength (20). Missing or stale evidence is absorbed inside the affected factor, never applied as a hidden adjustment.
Growth & earnings · 35%Capital efficiency · 25%Valuation · 20%Relative strength · 20%
Can Fin Homes Ltd has the strongest current balance of earnings trajectory, business quality, valuation and price confirmation, with 100% evidence confidence.
LIC Housing Finance Ltd looks inexpensive relative to peers or its own history, but its earnings trajectory has not yet earned the valuation signal.
LIC Housing Finance Ltd has stronger price confirmation than earnings confirmation; that is a research prompt, not permission to chase.
How this score is built, and what the marks mean
Missing observations are not scored as bad. Their missing weight lowers confidence and pulls the final score toward neutral. Financial companies use P/BV÷ROE and asset quality; PEG, industrial OPM and ROCE are excluded. Under relative strength, one mark per week shows the last 12 weeks: a mark is filled where the company led NIFTY 500 by 5% or more over the 13 weeks ending that week, which is the same test used everywhere on this site. Price stage places the company on the same six-step curve the sector itself is placed on — basing, turning, breaking out, leader, fading, asleep — read from how many weeks running it has led NIFTY 500 and whether that lead is widening or shrinking. It describes where the PRICE stands, not the earnings trajectory and not a recommendation, and it is left blank for a company whose weekly history is too short or too stale to read.
| Company | Score | Price stage | Growth & earnings/35 | Capital efficiency/25 | Valuation/20 | Relative strength/20 |
|---|---|---|---|---|---|---|
| 1Can Fin Homes LtdCANFINHOME | 67.1/100Favorable setup100% evidence | ASLEEP | 26.1/35 Income 8.2% · PAT 28.3% 100% evidence | 19.5/25 ROA 2.4% · ROE 19.7% · GNPA 0.9% 100% evidence | 16.2/20 P/BV 1.74× · P/BV÷ROE 0.09 100% evidence | 5.3/20 RS sector -4.1% · RS bench -8% · 1Y 3.3%1 of 12 weeks ahead 100% evidence |
| Exact sum: 26.1 + 19.5 + 16.2 + 5.3 = 67.1 · Decision use: Acceleration candidate, not a confirmed leader: earnings are strong but sector-relative strength is -4.1% and the one-year return is 3.3%. Do not upgrade until sector-relative strength is above zero and another reported period confirms growth. | ||||||
| 2PNB Housing Finance LtdPNBHOUSING | 63.5/100Mixed-positive evidence100% evidence | BREAKING OUT | 17.6/35 Income 9.8% · PAT 13.7% 100% evidence | 16.4/25 ROA 2.5% · ROE 12.7% · GNPA 0.9% 100% evidence | 9.5/20 P/BV 1.6× · P/BV÷ROE 0.13 100% evidence | 20.0/20 RS sector 29.9% · RS bench 24.6% · 1Y 48.9%8 of 12 weeks ahead 100% evidence |
| Exact sum: 17.6 + 16.4 + 9.5 + 20 = 63.5 · Decision use: Balanced evidence: keep at normal research priority and require another comparable period before raising conviction. | ||||||
| 3Housing & Urban Development Corporation LtdHUDCO | 60.7/100Mixed-positive evidence88% evidence | ASLEEP | 28.5/35 Income 25.9% · PAT 53% 86% evidence | 17.3/25 ROA 2.4% · ROE 20% · GNPA — 72% evidence | 13.2/20 P/BV 1.57× · P/BV÷ROE 0.08 100% evidence | 1.7/20 RS sector -11.1% · RS bench -15% · 1Y -19.8%3 of 12 weeks ahead 100% evidence |
| Exact sum: 28.5 + 17.3 + 13.2 + 1.7 = 60.7 · Decision use: Acceleration candidate, not a confirmed leader: earnings are strong but sector-relative strength is -11.1% and the one-year return is -19.8%. Do not upgrade until sector-relative strength is above zero and another reported period confirms growth. | ||||||
| 4Aadhar Housing Finance LtdAADHARHFC | 59.4/100Mixed-positive evidence94% evidence | ASLEEP | 21.7/35 Income 17.7% · PAT 20.1% 100% evidence | 19.1/25 ROA 4% · ROE 15.9% · GNPA 1.3% 100% evidence | 8.3/20 P/BV 2.64× · P/BV÷ROE 0.17 70% evidence | 10.3/20 RS sector -1.1% · RS bench -5.3% · 1Y -11.1%2 of 12 weeks ahead 100% evidence |
| Exact sum: 21.7 + 19.1 + 8.3 + 10.3 = 59.4 · Decision use: Balanced evidence: keep at normal research priority and require another comparable period before raising conviction. | ||||||
| 5Aptus Value Housing Finance India LtdAPTUS | 58.9/100Mixed-positive evidence82% evidence | BASING | 22.3/35 Income 21.2% · PAT 23.4% 76% evidence | 15.3/25 ROA — · ROE 20.1% · GNPA 1.7% 61% evidence | 11.3/20 P/BV 2.47× · P/BV÷ROE 0.12 100% evidence | 10.0/20 RS sector -1.9% · RS bench -6.2% · 1Y -26.3%4 of 12 weeks ahead 100% evidence |
| Exact sum: 22.3 + 15.3 + 11.3 + 10 = 58.9 · Decision use: Balanced evidence: keep at normal research priority and require another comparable period before raising conviction. | ||||||
| 6Home First Finance Company India LtdHOMEFIRST | 57.5/100Mixed-positive evidence94% evidence | BREAKING OUT | 24.6/35 Income 21.2% · PAT 40.7% 100% evidence | 16.3/25 ROA 3.6% · ROE 15.7% · GNPA 1.8% 100% evidence | 7.2/20 P/BV 2.83× · P/BV÷ROE 0.18 100% evidence | 9.4/20 RS sector -7.7% · RS bench 5.3% · 1Y -6.1%7 of 10 weeks ahead 70% evidence |
| Exact sum: 24.6 + 16.3 + 7.2 + 9.4 = 57.5 · Decision use: Balanced evidence: keep at normal research priority and require another comparable period before raising conviction. | ||||||
| 7LIC Housing Finance LtdLICHSGFIN | 56.2/100Mixed-positive evidence88% evidence | TURNING | 8.1/35 Income 0.2% · PAT 4.3% 86% evidence | 13.0/25 ROA 1.7% · ROE 14.4% · GNPA — 72% evidence | 16.8/20 P/BV 0.75× · P/BV÷ROE 0.05 100% evidence | 18.3/20 RS sector 10% · RS bench 5.5% · 1Y 1.6%0 of 12 weeks ahead 100% evidence |
| Exact sum: 8.1 + 13 + 16.8 + 18.3 = 56.2 · Decision use: Price leads the evidence: RS versus the benchmark is 5.5%, but earnings trajectory is weak. Wait for revenue and profit confirmation. | ||||||
| 8India Shelter Finance Corporation LtdINDIASHLTR | 52.1/100Mixed-positive evidence79% evidence | BASING | 24.0/35 Income 31.1% · PAT 33.1% 67% evidence | 15.2/25 ROA — · ROE 17% · GNPA 1.3% 61% evidence | 11.4/20 P/BV 2.22× · P/BV÷ROE 0.13 100% evidence | 1.5/20 RS sector -12.3% · RS bench -16.1% · 1Y -27.4%0 of 12 weeks ahead 100% evidence |
| Exact sum: 24 + 15.2 + 11.4 + 1.5 = 52.1 · Decision use: Acceleration candidate, not a confirmed leader: earnings are strong but sector-relative strength is -12.3% and the one-year return is -27.4%. Do not upgrade until sector-relative strength is above zero and another reported period confirms growth. | ||||||
| 9Repco Home Finance LtdREPCOHOME | 51.9/100Mixed-positive evidence76% evidence | ASLEEP | 7.9/35 Income 5% · PAT 3.9% 86% evidence | 14.6/25 ROA 2.9% · ROE 12.4% · GNPA — 72% evidence | 16.8/20 P/BV 0.56× · P/BV÷ROE 0.04 70% evidence | 12.6/20 RS sector 9.9% · RS bench -7.1% · 1Y 1.7%0 of 10 weeks ahead 70% evidence |
| Exact sum: 7.9 + 14.6 + 16.8 + 12.6 = 51.9 · Decision use: Cheap but unconfirmed: require improving earnings before treating the valuation as an opportunity. | ||||||
| 10AAVAS Financiers LtdAAVAS | 50.6/100Mixed-positive evidence94% evidence | ASLEEP | 18.8/35 Income 13.3% · PAT 17% 100% evidence | 17.5/25 ROA 3.1% · ROE 13.9% · GNPA 1.1% 100% evidence | 10.5/20 P/BV 2× · P/BV÷ROE 0.14 100% evidence | 3.8/20 RS sector -19.5% · RS bench -9.1% · 1Y -19.9%2 of 10 weeks ahead 70% evidence |
| Exact sum: 18.8 + 17.5 + 10.5 + 3.8 = 50.6 · Decision use: Balanced evidence: keep at normal research priority and require another comparable period before raising conviction. | ||||||
| 11Bajaj Housing Finance LtdBAJAJHFL | 48.1/100Mixed-negative evidence94% evidence | TURNING | 18.1/35 Income 16.3% · PAT 18.9% 100% evidence | 15.3/25 ROA 2% · ROE 12.1% · GNPA 0.3% 100% evidence | 4.3/20 P/BV 3.11× · P/BV÷ROE 0.26 70% evidence | 10.4/20 RS sector -3.2% · RS bench -7.4% · 1Y -25%1 of 12 weeks ahead 100% evidence |
| Exact sum: 18.1 + 15.3 + 4.3 + 10.4 = 48.1 · Decision use: Balanced evidence: keep at normal research priority and require another comparable period before raising conviction. | ||||||
| 12GIC Housing Finance LtdGICHSGFIN | 35.5/100Mixed-negative evidence80% evidence | ASLEEP | 13.9/35 Income 1.4% · PAT 22.5% 81% evidence | 8.6/25 ROA 1.4% · ROE 7.6% · GNPA — 68% evidence | 8.0/20 P/BV 0.35× · P/BV÷ROE 0.05 100% evidence | 5.0/20 RS sector -8.5% · RS bench -12.3% · 1Y -20.5%1 of 11 weeks ahead 70% evidence |
| Exact sum: 13.9 + 8.6 + 8 + 5 = 35.5 · Decision use: Balanced evidence: keep at normal research priority and require another comparable period before raising conviction. | ||||||
| 13Sammaan Capital LtdSAMMAANCAP | 30.3/100Adverse evidence78% evidence | ASLEEP | 6.8/35 Income -17.1% · PAT -80% 100% evidence | 5.3/25 ROA -9.6% · ROE -3.2% · GNPA — 84% evidence | 9.8/20 P/BV 0.9× · P/BV÷ROE — 10% evidence | 8.4/20 RS sector -0.2% · RS bench -4.4% · 1Y 6.9%3 of 12 weeks ahead 100% evidence |
| Exact sum: 6.8 + 5.3 + 9.8 + 8.4 = 30.3 · Decision use: Balanced evidence: keep at normal research priority and require another comparable period before raising conviction. | ||||||
Showing 10 of 13 companies
05 · what price has already done
Market action
PNB Housing Finance Ltd has the strongest one-year price move in Finance - Housing at +48.9%. It also leads on Mansfield relative strength against NIFTY at +24.6%. 3 of 13 covered companies are above zero on that measure. Every line covers 313 weekly closes through 2026-09-11.
Price and relative strength
Every company, the sector's own index and NIFTY 500 all start level on the left edge of the window, so only the distance between the lines counts — the highest line has risen the most since then, and the chart at the top of this page is drawn the same way. It opens on one year; the buttons beside it stretch that to three or five.
How far ahead of or behind NIFTY 500 each company has been running, measured against its own recent average of that comparison, so the flat line at zero IS NIFTY 500: above it the company is beating the market, below it the market is beating the company. It opens on one year.
The same measure taken against Finance - Housing itself instead of the whole market, so the flat line at zero is the sector: above it the company is beating its own peers, which is the sharper test of the two. It opens on one year.
06 · the story behind the numbers
Finance - Housing — the story behind the numbers
This is the written read behind the Finance - Housing figures above — what is actually happening in the sector, in words, with the evidence each claim rests on. It is dated 25 Jul 2026. 2 themes are live here.
The Housing Finance sector display mixed signals for the week ending 2026-07-19. GICHSGFIN stands as the sole constituent analyzed, reporting a Net Profit After Tax of ₹53.58 crore for Q4 FY26, representing a 52.69% year-on-year increase. However, top-line performance remained stagnant with Revenue from Operations at ₹272.70 crore, up only 0.38% YoY.
How old this read is: This read comes from our Finance - Housing sector brief dated 25 Jul 2026 — 54 days old. The numbers above it are newer than the words here.
What is live in this sector right now
| Live theme | Severity | Evidence on file |
|---|---|---|
| RBI imposed a monetary penalty of Rs. 3,10,000 for KYC non-compliance regarding absence of periodic review of risk categorization.Named for GICHSGFIN | low | Implementing corrective measures to ensure compliance with applicable RBI Directions. |
| Government notified four Labour Codes on November 21, 2025; company assessed no material impact on financials.Named for GICHSGFIN | low | Company continues to monitor the finalisation of Central/ State Rules and clarifications from the Government. |
Sources: our Finance - Housing sector brief, 25 Jul 2026.
07 · compare level, then change
Income Scale & Growth Durability
LIC Housing Finance Ltd has the highest Income among the 13 Finance - Housing companies compared here, at ₹28,562 crore. Housing & Urban Development Corporation Ltd is next at ₹13,930 crore. India Shelter Finance Corporation Ltd has the highest Income growth at 31.1%, so level and change sit with different companies.
What the numbers say: LIC Housing Finance Ltd is the scale leader at ₹28,562 crore, 105% ahead of Housing & Urban Development Corporation Ltd. India Shelter Finance Corporation Ltd's growth is 31.1% from a ₹1,528 crore base, with 14 reported observations in the 20-quarter window. Treat the growth leader as an acceleration candidate, not as equally proven scale.
LeaderLIC Housing Finance Ltd · ₹28,562 crore
Gap105% versus #2 · Housing & Urban Development Corporation Ltd
Persistence6/8 recent comparable periods
Coverage13/13 companies · 242 observations
Investor read: LIC Housing Finance Ltd is the scale benchmark; India Shelter Finance Corporation Ltd is the acceleration watch. Promote the challenger only if growth persists and converts into margin and returns.
This conclusion weakens if: LIC Housing Finance Ltd's growth falls below India Shelter Finance Corporation Ltd's for two consecutive comparable reports while operating margin also compresses.
For lenders, reported income is used instead of industrial-company sales. Growth is compared year-on-year.
Incomelargest
Income growthfastest growers
Income · company comparison
13/13 level · 13/13 change
On every company-comparison chart on this page: solid lines show level, dotted lines show change when “Both” is selected, and a missing report breaks the line rather than being invented.
All-company data · latest reported quarter
In every all-company table on this page, each figure is the company’s latest single reported quarter. The rankings above them use trailing-twelve-month or current-market values, so a company can legitimately show a different number in each.
| Company | Income | Income growth | Reported |
|---|---|---|---|
| LIC Housing Finance Ltd LICHSGFIN | ₹7.1K Cr | -1.4% | Jun 2026 |
| Housing & Urban Development Corporation Ltd HUDCO | ₹3.7K Cr | 27% | Jun 2026 |
| Bajaj Housing Finance Ltd BAJAJHFL | ₹3.1K Cr | 17% | Jun 2026 |
| PNB Housing Finance Ltd PNBHOUSING | ₹2.3K Cr | 9.0% | Jun 2026 |
| Sammaan Capital Ltd SAMMAANCAP | ₹1.7K Cr | -31% | Jun 2026 |
| Can Fin Homes Ltd CANFINHOME | ₹1.1K Cr | 7.5% | Jun 2026 |
| Aadhar Housing Finance Ltd AADHARHFC | ₹993 Cr | 17% | Jun 2026 |
| AAVAS Financiers Ltd AAVAS | ₹709 Cr | 13% | Jun 2026 |
| Aptus Value Housing Finance India Ltd APTUS | ₹600 Cr | 15% | Jun 2026 |
| Home First Finance Company India Ltd HOMEFIRST | ₹538 Cr | 19% | Jun 2026 |
| Repco Home Finance Ltd REPCOHOME | ₹468 Cr | 6.4% | Jun 2026 |
| India Shelter Finance Corporation Ltd INDIASHLTR | ₹408 Cr | 25% | Mar 2026 |
| GIC Housing Finance Ltd GICHSGFIN⚠ unverified | ₹267 Cr | 0.8% | Jun 2026 |
Full 20-quarter history · every available company
Income · reported quarter history
Showing the 12 largest of 13 companies with a series here. The remaining 1 are complete in the plain-text rendition and the trace payload — nothing is dropped from the data, only from this grid.
AAVAS Financiers Ltd · AAVAS
₹325 Cr
₹343 Cr
₹365 Cr
₹353 Cr
₹395 Cr
₹411 Cr
₹450 Cr
₹467 Cr
₹497 Cr
₹508 Cr
₹546 Cr
₹542 Cr
₹579 Cr
₹597 Cr
₹636 Cr
₹628 Cr
₹667 Cr
₹674 Cr
₹715 Cr
₹709 Cr
Aptus Value Housing Finance India Ltd · APTUS
—
—
—
—
—
₹286 Cr
₹299 Cr
₹306 Cr
₹334 Cr
₹351 Cr
₹375 Cr
₹395 Cr
₹421 Cr
₹450 Cr
₹484 Cr
₹520 Cr
₹544 Cr
₹554 Cr
₹574 Cr
₹600 Cr
Bajaj Housing Finance Ltd · BAJAJHFL
₹902 Cr
₹986 Cr
₹1.1K Cr
₹1.2K Cr
₹1.3K Cr
₹1.5K Cr
₹1.6K Cr
₹1.8K Cr
₹1.9K Cr
₹1.9K Cr
₹2.0K Cr
₹2.2K Cr
₹2.4K Cr
₹2.4K Cr
₹2.5K Cr
₹2.6K Cr
₹2.8K Cr
₹2.9K Cr
₹2.9K Cr
₹3.1K Cr
Can Fin Homes Ltd · CANFINHOME
₹468 Cr
₹508 Cr
₹561 Cr
₹612 Cr
₹658 Cr
₹710 Cr
₹764 Cr
₹824 Cr
₹871 Cr
₹901 Cr
₹927 Cr
₹931 Cr
₹962 Cr
₹986 Cr
₹999 Cr
₹1.0K Cr
₹1.0K Cr
₹1.1K Cr
₹1.1K Cr
₹1.1K Cr
Home First Finance Company India Ltd · HOMEFIRST
₹146 Cr
₹152 Cr
₹156 Cr
₹169 Cr
₹189 Cr
₹205 Cr
₹227 Cr
₹255 Cr
₹273 Cr
₹296 Cr
₹313 Cr
₹336 Cr
₹373 Cr
₹406 Cr
₹415 Cr
₹454 Cr
₹477 Cr
₹482 Cr
₹501 Cr
₹538 Cr
Housing & Urban Development Corporation Ltd · HUDCO
₹1.7K Cr
₹1.7K Cr
₹1.7K Cr
₹1.8K Cr
₹1.7K Cr
₹1.7K Cr
₹1.9K Cr
₹1.8K Cr
₹1.9K Cr
₹2.0K Cr
₹2.1K Cr
₹2.2K Cr
₹2.5K Cr
₹2.8K Cr
₹2.8K Cr
₹2.9K Cr
₹3.2K Cr
₹3.4K Cr
₹3.6K Cr
₹3.7K Cr
India Shelter Finance Corporation Ltd · INDIASHLTR
—
—
—
—
—
₹150 Cr
₹170 Cr
₹182 Cr
₹204 Cr
₹209 Cr
₹235 Cr
₹252 Cr
₹283 Cr
₹304 Cr
₹327 Cr
₹361 Cr
₹369 Cr
₹390 Cr
₹408 Cr
—
LIC Housing Finance Ltd · LICHSGFIN
₹4.7K Cr
₹5.1K Cr
₹5.3K Cr
₹5.3K Cr
₹5.1K Cr
₹5.9K Cr
₹6.4K Cr
₹6.8K Cr
₹6.8K Cr
₹6.8K Cr
₹6.9K Cr
₹6.8K Cr
₹6.9K Cr
₹7.1K Cr
₹7.3K Cr
₹7.2K Cr
₹7.2K Cr
₹7.2K Cr
₹7.1K Cr
₹7.1K Cr
PNB Housing Finance Ltd · PNBHOUSING
₹1.6K Cr
₹1.5K Cr
₹1.4K Cr
₹1.4K Cr
₹1.7K Cr
₹1.8K Cr
₹1.6K Cr
₹1.7K Cr
₹1.8K Cr
₹1.8K Cr
₹1.8K Cr
₹1.8K Cr
₹1.9K Cr
₹1.9K Cr
₹2.0K Cr
₹2.1K Cr
₹2.1K Cr
₹2.1K Cr
₹2.2K Cr
₹2.3K Cr
Repco Home Finance Ltd · REPCOHOME
₹335 Cr
₹325 Cr
₹324 Cr
₹307 Cr
₹318 Cr
₹327 Cr
₹340 Cr
₹364 Cr
₹380 Cr
₹387 Cr
₹393 Cr
₹408 Cr
₹423 Cr
₹445 Cr
₹426 Cr
₹440 Cr
₹441 Cr
₹457 Cr
₹454 Cr
₹468 Cr
Sammaan Capital Ltd · SAMMAANCAP
₹2.2K Cr
₹2.3K Cr
₹2.2K Cr
₹2.1K Cr
₹2.2K Cr
₹2.3K Cr
₹2.1K Cr
₹1.9K Cr
₹2.2K Cr
₹2.1K Cr
₹2.2K Cr
₹2.2K Cr
₹2.4K Cr
₹2.0K Cr
₹2.1K Cr
₹2.4K Cr
₹2.3K Cr
₹2.2K Cr
₹1.4K Cr
₹1.7K Cr
Income growth · reported quarter history
Showing the 12 largest of 13 companies with a series here. The remaining 1 are complete in the plain-text rendition and the trace payload — nothing is dropped from the data, only from this grid.
Aadhar Housing Finance Ltd · AADHARHFC
—
—
9.4%
—
—
—
23%
25%
32%
23%
25%
20%
21%
19%
20%
19%
17%
18%
18%
17%
AAVAS Financiers Ltd · AAVAS
—
—
26%
30%
22%
20%
23%
32%
26%
24%
21%
16%
17%
18%
16%
16%
15%
13%
12%
13%
Aptus Value Housing Finance India Ltd · APTUS
—
—
—
—
—
—
—
—
—
23%
25%
29%
26%
28%
29%
32%
29%
23%
19%
15%
Bajaj Housing Finance Ltd · BAJAJHFL
—
—
—
49%
49%
54%
50%
44%
43%
28%
26%
25%
26%
26%
25%
18%
14%
18%
16%
17%
Can Fin Homes Ltd · CANFINHOME
—
—
—
—
41%
40%
36%
35%
32%
27%
21%
13%
10%
9.4%
7.8%
9.6%
9.0%
8.8%
7.5%
7.5%
Home First Finance Company India Ltd · HOMEFIRST
—
—
—
19%
29%
35%
46%
51%
44%
44%
38%
32%
37%
37%
33%
35%
28%
19%
21%
19%
Housing & Urban Development Corporation Ltd · HUDCO
—
—
—
-2.3%
0.1%
0.1%
6.2%
4.9%
6.8%
18%
12%
19%
35%
37%
38%
34%
28%
24%
25%
27%
India Shelter Finance Corporation Ltd · INDIASHLTR
—
—
—
—
—
—
—
—
—
39%
38%
38%
39%
45%
39%
43%
30%
28%
25%
—
LIC Housing Finance Ltd · LICHSGFIN
—
—
—
9.0%
8.0%
16%
21%
27%
33%
16%
8.0%
0.6%
2.6%
3.9%
5.1%
5.7%
3.5%
1.9%
-2.9%
-1.4%
PNB Housing Finance Ltd · PNBHOUSING
—
—
—
-17%
6.1%
20%
15%
21%
5.6%
-2.3%
11%
6.7%
5.7%
11%
12%
14%
13%
9.1%
7.9%
9.0%
Repco Home Finance Ltd · REPCOHOME
—
—
—
-4.7%
-5.1%
0.6%
4.9%
19%
20%
18%
16%
12%
11%
15%
8.4%
7.8%
4.3%
2.7%
6.6%
6.4%
Sammaan Capital Ltd · SAMMAANCAP
—
—
—
-11%
-0.1%
2.7%
-3.8%
-8.6%
-0.2%
-8.4%
6.3%
16%
8.8%
-5.9%
-4.4%
8.7%
-7.1%
7.0%
-36%
-31%
08 · compare level, then change
Profit Scale & Acceleration
LIC Housing Finance Ltd has the highest Net profit among the 13 Finance - Housing companies compared here, at ₹5,739 crore. Housing & Urban Development Corporation Ltd is next at ₹4,255 crore. Housing & Urban Development Corporation Ltd has the highest Profit growth at 53%, so level and change sit with different companies.
What the numbers say: LIC Housing Finance Ltd leads with ₹5,739 crore of TTM profit, 34.9% above Housing & Urban Development Corporation Ltd. Housing & Urban Development Corporation Ltd shows 53% growth from a ₹4,255 crore profit base. Compare the size of the base and persistence before ranking acceleration above profit scale.
LeaderLIC Housing Finance Ltd · ₹5,739 crore
Gap34.9% versus #2 · Housing & Urban Development Corporation Ltd
Persistence7/8 recent comparable periods
Coverage13/13 companies · 242 observations
Investor read: LIC Housing Finance Ltd sets the level benchmark; use the change leader as an inflection watch only after another comparable report confirms it.
This conclusion weakens if: The next two comparable reports reverse the current profit growth signal.
Net profit is ranked only where the comparison base is economically meaningful. Loss-to-profit flips are shown but do not win the growth table.
Net profitlargest
Profit growthfastest growers
Net profit · company comparison
13/13 level · 13/13 change
All-company data · latest reported quarter
| Company | Net profit | Profit growth | Reported |
|---|---|---|---|
| LIC Housing Finance Ltd LICHSGFIN | ₹1.5K Cr | 9.9% | Jun 2026 |
| Housing & Urban Development Corporation Ltd HUDCO | ₹851 Cr | 35% | Jun 2026 |
| Bajaj Housing Finance Ltd BAJAJHFL | ₹715 Cr | 23% | Jun 2026 |
| PNB Housing Finance Ltd PNBHOUSING | ₹557 Cr | 4.3% | Jun 2026 |
| Aadhar Housing Finance Ltd AADHARHFC | ₹282 Cr | 19% | Jun 2026 |
| Can Fin Homes Ltd CANFINHOME | ₹268 Cr | 20% | Jun 2026 |
| Aptus Value Housing Finance India Ltd APTUS | ₹261 Cr | 19% | Jun 2026 |
| Sammaan Capital Ltd SAMMAANCAP | ₹243 Cr | -27% | Jun 2026 |
| AAVAS Financiers Ltd AAVAS | ₹171 Cr | 23% | Jun 2026 |
| Home First Finance Company India Ltd HOMEFIRST | ₹160 Cr | 34% | Jun 2026 |
| India Shelter Finance Corporation Ltd INDIASHLTR | ₹138 Cr | 28% | Mar 2026 |
| Repco Home Finance Ltd REPCOHOME | ₹122 Cr | 6.1% | Jun 2026 |
| GIC Housing Finance Ltd GICHSGFIN⚠ unverified | ₹10 Cr | 43% | Jun 2026 |
Full 20-quarter history · every available company
Net profit · reported quarter history
Showing the 12 largest of 13 companies with a series here. The remaining 1 are complete in the plain-text rendition and the trace payload — nothing is dropped from the data, only from this grid.
Aadhar Housing Finance Ltd · AADHARHFC
—
—
₹115 Cr
₹123 Cr
₹123 Cr
₹150 Cr
₹141 Cr
₹146 Cr
₹197 Cr
₹204 Cr
₹202 Cr
₹200 Cr
₹228 Cr
₹239 Cr
₹245 Cr
₹237 Cr
₹266 Cr
₹281 Cr
₹311 Cr
₹282 Cr
AAVAS Financiers Ltd · AAVAS
₹92 Cr
₹89 Cr
₹115 Cr
₹89 Cr
₹107 Cr
₹107 Cr
₹127 Cr
₹110 Cr
₹122 Cr
₹117 Cr
₹143 Cr
₹126 Cr
₹148 Cr
₹146 Cr
₹154 Cr
₹139 Cr
₹164 Cr
₹170 Cr
₹182 Cr
₹171 Cr
Aptus Value Housing Finance India Ltd · APTUS
—
—
—
—
—
₹126 Cr
₹135 Cr
₹142 Cr
₹148 Cr
₹158 Cr
₹164 Cr
₹172 Cr
₹182 Cr
₹190 Cr
₹207 Cr
₹219 Cr
₹227 Cr
₹236 Cr
₹261 Cr
₹261 Cr
Bajaj Housing Finance Ltd · BAJAJHFL
₹166 Cr
₹185 Cr
₹198 Cr
₹316 Cr
₹306 Cr
₹334 Cr
₹301 Cr
₹462 Cr
₹451 Cr
₹437 Cr
₹381 Cr
₹483 Cr
₹546 Cr
₹548 Cr
₹587 Cr
₹583 Cr
₹643 Cr
₹665 Cr
₹669 Cr
₹715 Cr
Can Fin Homes Ltd · CANFINHOME
₹124 Cr
₹116 Cr
₹123 Cr
₹162 Cr
₹142 Cr
₹151 Cr
₹166 Cr
₹183 Cr
₹158 Cr
₹200 Cr
₹209 Cr
₹200 Cr
₹211 Cr
₹212 Cr
₹234 Cr
₹224 Cr
₹251 Cr
₹265 Cr
₹346 Cr
₹268 Cr
Home First Finance Company India Ltd · HOMEFIRST
₹45 Cr
₹46 Cr
₹60 Cr
₹51 Cr
₹54 Cr
₹59 Cr
₹64 Cr
₹69 Cr
₹74 Cr
₹79 Cr
₹83 Cr
₹88 Cr
₹92 Cr
₹97 Cr
₹105 Cr
₹119 Cr
₹132 Cr
₹140 Cr
₹149 Cr
₹160 Cr
Housing & Urban Development Corporation Ltd · HUDCO
₹370 Cr
₹195 Cr
₹747 Cr
₹412 Cr
₹396 Cr
₹254 Cr
₹639 Cr
₹446 Cr
₹452 Cr
₹519 Cr
₹700 Cr
₹558 Cr
₹689 Cr
₹735 Cr
₹728 Cr
₹630 Cr
₹710 Cr
₹713 Cr
₹2.0K Cr
₹851 Cr
India Shelter Finance Corporation Ltd · INDIASHLTR
—
—
—
—
—
₹40 Cr
₹53 Cr
₹47 Cr
₹60 Cr
₹62 Cr
₹78 Cr
₹84 Cr
₹90 Cr
₹96 Cr
₹108 Cr
₹119 Cr
₹122 Cr
₹124 Cr
₹138 Cr
—
LIC Housing Finance Ltd · LICHSGFIN
₹250 Cr
₹771 Cr
₹1.1K Cr
₹927 Cr
₹311 Cr
₹462 Cr
₹1.2K Cr
₹1.3K Cr
₹1.2K Cr
₹1.2K Cr
₹1.1K Cr
₹1.3K Cr
₹1.3K Cr
₹1.4K Cr
₹1.4K Cr
₹1.4K Cr
₹1.3K Cr
₹1.4K Cr
₹1.5K Cr
₹1.5K Cr
PNB Housing Finance Ltd · PNBHOUSING
₹235 Cr
₹188 Cr
₹170 Cr
₹235 Cr
₹263 Cr
₹269 Cr
₹279 Cr
₹347 Cr
₹383 Cr
₹338 Cr
₹439 Cr
₹433 Cr
₹470 Cr
₹483 Cr
₹550 Cr
₹534 Cr
₹582 Cr
₹520 Cr
₹656 Cr
₹557 Cr
Repco Home Finance Ltd · REPCOHOME
₹86 Cr
₹35 Cr
₹41 Cr
₹74 Cr
₹70 Cr
₹83 Cr
₹84 Cr
₹95 Cr
₹100 Cr
₹104 Cr
₹114 Cr
₹113 Cr
₹115 Cr
₹113 Cr
₹121 Cr
₹115 Cr
₹110 Cr
₹115 Cr
₹135 Cr
₹122 Cr
Sammaan Capital Ltd · SAMMAANCAP
₹286 Cr
₹303 Cr
₹307 Cr
₹287 Cr
₹289 Cr
₹291 Cr
₹263 Cr
₹294 Cr
₹298 Cr
₹303 Cr
₹319 Cr
₹327 Cr
₹-2.8K Cr
₹302 Cr
₹324 Cr
₹334 Cr
₹308 Cr
₹314 Cr
₹-8.1K Cr
₹243 Cr
Profit growth · reported quarter history
Showing the 12 largest of 13 companies with a series here. The remaining 1 are complete in the plain-text rendition and the trace payload — nothing is dropped from the data, only from this grid.
Aadhar Housing Finance Ltd · AADHARHFC
—
—
24%
—
—
—
23%
19%
60%
36%
43%
37%
16%
17%
21%
19%
17%
18%
27%
19%
AAVAS Financiers Ltd · AAVAS
—
—
32%
51%
16%
20%
10%
24%
14%
9.4%
13%
15%
21%
25%
7.7%
10%
11%
16%
18%
23%
Aptus Value Housing Finance India Ltd · APTUS
—
—
—
—
—
—
—
—
—
25%
21%
21%
23%
20%
26%
27%
25%
24%
26%
19%
Bajaj Housing Finance Ltd · BAJAJHFL
—
—
—
96%
84%
81%
52%
46%
47%
31%
27%
4.6%
21%
25%
54%
21%
18%
21%
14%
23%
Can Fin Homes Ltd · CANFINHOME
—
—
—
—
15%
30%
35%
13%
11%
32%
26%
9.3%
34%
6.0%
12%
12%
19%
25%
48%
20%
Home First Finance Company India Ltd · HOMEFIRST
—
—
—
46%
20%
28%
6.7%
35%
37%
34%
30%
28%
24%
23%
27%
35%
43%
44%
42%
34%
Housing & Urban Development Corporation Ltd · HUDCO
—
—
—
1.7%
7.0%
30%
-14%
8.3%
14%
104%
9.6%
25%
52%
42%
4.0%
13%
3.1%
-3.0%
172%
35%
India Shelter Finance Corporation Ltd · INDIASHLTR
—
—
—
—
—
—
—
—
—
55%
47%
79%
50%
55%
38%
42%
36%
29%
28%
—
LIC Housing Finance Ltd · LICHSGFIN
—
—
—
514%
24%
-40%
6.9%
42%
283%
153%
-9.2%
-1.0%
11%
23%
27%
4.4%
1.6%
-2.6%
8.7%
9.9%
PNB Housing Finance Ltd · PNBHOUSING
—
—
—
-3.3%
12%
43%
64%
48%
46%
26%
57%
25%
23%
43%
25%
23%
24%
7.7%
19%
4.3%
Repco Home Finance Ltd · REPCOHOME
—
—
—
131%
-19%
137%
105%
28%
43%
25%
36%
19%
15%
8.7%
6.1%
1.8%
-4.4%
1.8%
12%
6.1%
Sammaan Capital Ltd · SAMMAANCAP
—
—
—
1.8%
1.1%
-4.0%
-14%
2.4%
3.1%
4.1%
21%
11%
-1,027%
-0.3%
1.6%
2.1%
—
4.0%
-2,600%
-27%
09 · compare level, then change
Funding Base & Its Composition
PNB Housing Finance Ltd has the highest Deposits among the 13 Finance - Housing companies compared here, at ₹18,055 crore. LIC Housing Finance Ltd is next at ₹11,323 crore. LIC Housing Finance Ltd has the highest Borrowings at ₹2,77,539 crore, so level and change sit with different companies. Its Deposits series carries 10 reported observations across the 20-quarter window.
What the numbers say: PNB Housing Finance Ltd leads deposits at ₹18,055 crore; LIC Housing Finance Ltd leads borrowings at ₹2,77,539 crore.
LeaderPNB Housing Finance Ltd · ₹18,055 crore
Gap59.5% versus #2 · LIC Housing Finance Ltd
Persistence8/8 recent comparable periods
Coverage6/13 companies · 47 observations
Investor read: PNB Housing Finance Ltd sets the level benchmark; use the change leader as an inflection watch only after another comparable report confirms it.
This conclusion weakens if: The next two comparable reports reverse the current borrowings signal.
For banks, debt is operating funding rather than industrial leverage. Deposits and borrowings are therefore shown as funding-base levels; asset quality, funding cost and liquidity determine whether that funding is attractive.
Depositslargest deposit bases
Borrowingslargest borrowings
Funding base · company comparison
6/13 level · 13/13 change
All-company data · latest reported quarter
| Company | Deposits | Borrowings | Reported |
|---|---|---|---|
| PNB Housing Finance Ltd PNBHOUSING | ₹18.1K Cr | ₹71.2K Cr | Jun 2026 |
| LIC Housing Finance Ltd LICHSGFIN | ₹11.3K Cr | ₹2.8 L Cr | Jun 2026 |
| Can Fin Homes Ltd CANFINHOME | ₹220 Cr | ₹38.1K Cr | Jun 2026 |
| Bajaj Housing Finance Ltd BAJAJHFL | ₹170 Cr | ₹1.0 L Cr | Jun 2026 |
| Housing & Urban Development Corporation Ltd HUDCO | ₹0 Cr | ₹1.4 L Cr | Jun 2026 |
| Aadhar Housing Finance Ltd AADHARHFC | ₹0 Cr | ₹18.7K Cr | Jun 2026 |
| Sammaan Capital Ltd SAMMAANCAP | — | ₹51.9K Cr | Jun 2026 |
| Aptus Value Housing Finance India Ltd APTUS | — | ₹7.9K Cr | Jun 2026 |
| Home First Finance Company India Ltd HOMEFIRST | — | ₹10.6K Cr | Jun 2026 |
| AAVAS Financiers Ltd AAVAS | — | ₹15.7K Cr | Jun 2026 |
| India Shelter Finance Corporation Ltd INDIASHLTR | — | ₹6.2K Cr | Mar 2026 |
| Repco Home Finance Ltd REPCOHOME | — | ₹12.2K Cr | Jun 2026 |
| GIC Housing Finance Ltd GICHSGFIN⚠ unverified | — | ₹9.1K Cr | Jun 2026 |
Full 20-quarter history · every available company
Deposits · reported quarter history
Aadhar Housing Finance Ltd · AADHARHFC
—
—
₹8 Cr
—
—
₹3 Cr
₹3 Cr
—
₹3 Cr
—
₹1 Cr
—
₹1 Cr
—
₹1 Cr
—
₹1 Cr
—
₹0 Cr
—
Bajaj Housing Finance Ltd · BAJAJHFL
—
—
—
—
—
—
—
₹170 Cr
—
—
—
—
—
—
—
—
—
—
—
—
Can Fin Homes Ltd · CANFINHOME
₹482 Cr
—
₹505 Cr
—
₹502 Cr
—
₹447 Cr
—
₹346 Cr
—
₹232 Cr
—
₹187 Cr
—
₹194 Cr
—
₹194 Cr
—
₹220 Cr
—
Housing & Urban Development Corporation Ltd · HUDCO
₹11 Cr
—
₹4 Cr
—
₹3 Cr
—
₹2 Cr
—
₹1 Cr
—
₹0 Cr
—
₹0 Cr
—
—
—
—
—
—
—
LIC Housing Finance Ltd · LICHSGFIN
₹16.5K Cr
—
₹18.4K Cr
—
₹16.0K Cr
—
₹11.6K Cr
—
₹10.7K Cr
—
₹9.9K Cr
—
₹7.6K Cr
—
₹8.2K Cr
—
₹11.2K Cr
—
₹11.3K Cr
—
PNB Housing Finance Ltd · PNBHOUSING
₹16.8K Cr
—
₹17.6K Cr
—
₹17.4K Cr
—
₹17.2K Cr
—
₹16.8K Cr
—
₹17.8K Cr
—
₹17.6K Cr
—
₹17.6K Cr
—
₹18.3K Cr
—
₹18.1K Cr
—
Borrowings · reported quarter history
Showing the 12 largest of 13 companies with a series here. The remaining 1 are complete in the plain-text rendition and the trace payload — nothing is dropped from the data, only from this grid.
Aadhar Housing Finance Ltd · AADHARHFC
—
—
₹10.7K Cr
₹10.9K Cr
—
₹12.5K Cr
₹12.2K Cr
—
₹12.7K Cr
—
₹14.0K Cr
₹14.2K Cr
₹14.6K Cr
₹14.6K Cr
₹16.3K Cr
₹16.4K Cr
₹17.6K Cr
₹17.6K Cr
₹18.7K Cr
—
AAVAS Financiers Ltd · AAVAS
₹6.9K Cr
₹6.9K Cr
₹8.0K Cr
₹8.0K Cr
₹8.6K Cr
₹8.6K Cr
₹9.9K Cr
₹9.9K Cr
₹11.2K Cr
₹11.2K Cr
₹12.4K Cr
₹12.4K Cr
₹12.5K Cr
₹12.5K Cr
₹13.9K Cr
₹13.9K Cr
₹14.4K Cr
₹14.4K Cr
₹15.7K Cr
₹15.7K Cr
Aptus Value Housing Finance India Ltd · APTUS
—
—
₹2.7K Cr
—
—
—
₹3.8K Cr
—
—
—
₹5.2K Cr
—
—
—
₹6.9K Cr
—
₹7.3K Cr
—
₹7.9K Cr
—
Bajaj Housing Finance Ltd · BAJAJHFL
₹36.3K Cr
₹36.3K Cr
₹41.5K Cr
₹41.0K Cr
₹46.4K Cr
₹46.4K Cr
₹53.7K Cr
₹58.4K Cr
₹62.2K Cr
₹62.2K Cr
₹69.1K Cr
₹73.2K Cr
₹74.5K Cr
₹74.5K Cr
₹82.1K Cr
₹82.1K Cr
₹94.1K Cr
₹94.0K Cr
₹1.0 L Cr
—
Can Fin Homes Ltd · CANFINHOME
₹20.2K Cr
₹20.2K Cr
₹24.6K Cr
₹24.2K Cr
₹26.4K Cr
₹26.4K Cr
₹29.1K Cr
₹28.9K Cr
₹30.4K Cr
₹30.4K Cr
₹31.9K Cr
₹31.9K Cr
₹33.7K Cr
₹33.7K Cr
₹35.3K Cr
₹35.2K Cr
₹36.1K Cr
₹36.0K Cr
₹38.3K Cr
₹38.1K Cr
Home First Finance Company India Ltd · HOMEFIRST
₹3.1K Cr
₹3.1K Cr
₹3.5K Cr
₹3.5K Cr
₹4.2K Cr
₹4.2K Cr
₹4.8K Cr
₹4.8K Cr
₹6.0K Cr
—
₹7.3K Cr
₹7.3K Cr
₹8.9K Cr
₹9.2K Cr
₹9.6K Cr
₹9.6K Cr
₹9.7K Cr
₹9.7K Cr
₹10.6K Cr
—
Housing & Urban Development Corporation Ltd · HUDCO
₹58.3K Cr
₹58.3K Cr
₹61.5K Cr
₹61.5K Cr
₹58.4K Cr
₹58.4K Cr
₹62.9K Cr
₹62.9K Cr
₹63.3K Cr
₹63.3K Cr
₹74.0K Cr
₹74.0K Cr
₹93.6K Cr
₹93.6K Cr
₹1.1 L Cr
₹1.1 L Cr
₹1.3 L Cr
₹1.3 L Cr
₹1.4 L Cr
—
India Shelter Finance Corporation Ltd · INDIASHLTR
—
—
₹2.1K Cr
—
—
—
₹3.0K Cr
—
—
—
₹3.4K Cr
—
—
—
₹5.0K Cr
—
₹5.5K Cr
—
₹6.2K Cr
—
LIC Housing Finance Ltd · LICHSGFIN
₹1.9 L Cr
₹1.9 L Cr
₹2.2 L Cr
₹2.1 L Cr
₹2.2 L Cr
₹2.2 L Cr
₹2.4 L Cr
—
₹2.3 L Cr
₹2.3 L Cr
₹2.5 L Cr
₹2.4 L Cr
₹2.5 L Cr
₹2.5 L Cr
₹2.7 L Cr
₹2.6 L Cr
₹2.7 L Cr
₹2.6 L Cr
₹2.8 L Cr
—
PNB Housing Finance Ltd · PNBHOUSING
₹39.0K Cr
₹39.0K Cr
₹53.0K Cr
₹37.0K Cr
₹34.4K Cr
₹34.4K Cr
₹53.6K Cr
₹37.6K Cr
₹36.7K Cr
₹36.7K Cr
₹55.0K Cr
₹38.6K Cr
₹39.5K Cr
₹39.5K Cr
₹62.3K Cr
₹44.9K Cr
₹65.2K Cr
₹47.1K Cr
₹71.2K Cr
—
Repco Home Finance Ltd · REPCOHOME
₹10.0K Cr
₹10.0K Cr
₹9.7K Cr
₹9.7K Cr
₹9.6K Cr
₹9.6K Cr
₹9.9K Cr
₹9.9K Cr
₹10.0K Cr
—
₹10.7K Cr
₹10.7K Cr
₹11.5K Cr
—
₹11.1K Cr
₹11.2K Cr
₹11.5K Cr
₹11.5K Cr
₹12.2K Cr
—
Sammaan Capital Ltd · SAMMAANCAP
₹63.7K Cr
₹61.6K Cr
₹61.4K Cr
₹62.9K Cr
₹55.0K Cr
—
₹52.4K Cr
₹55.1K Cr
₹48.4K Cr
₹48.3K Cr
₹48.5K Cr
₹51.4K Cr
₹45.9K Cr
₹45.9K Cr
₹42.7K Cr
₹42.8K Cr
₹45.5K Cr
₹45.5K Cr
₹51.9K Cr
—
10 · compare level, then change
Return On Assets
Aadhar Housing Finance Ltd has the highest ROA among the 13 Finance - Housing companies compared here, at 4%. Home First Finance Company India Ltd is next at 3.6%. Can Fin Homes Ltd has the highest ROA change at +0.3 percentage points, so level and change sit with different companies.
What the numbers say: Aadhar Housing Finance Ltd leads roa at 4%; Can Fin Homes Ltd leads roa change at +0.3 percentage points.
LeaderAadhar Housing Finance Ltd · 4%
Gap11.1% versus #2 · Home First Finance Company India Ltd
Persistence3/5 recent comparable periods
Coverage11/13 companies · 104 observations
Investor read: Aadhar Housing Finance Ltd sets the level benchmark; use the change leader as an inflection watch only after another comparable report confirms it.
This conclusion weakens if: The next two comparable reports reverse the current roa change signal.
ROA is the cleanest first comparison for lenders because the balance sheet is the operating asset.
ROAhighest
ROA changefastest improvers
Return on assets · company comparison
11/13 level · 11/13 change
Withheld from this chart: Aptus Value Housing Finance India Ltd (APTUS) — its two data sources disagree by up to 3.3% on reported income across 14 comparable periods, so its derived ratios are withheld; India Shelter Finance Corporation Ltd (INDIASHLTR) — its two data sources disagree by up to 17% on reported income across 14 comparable periods, so its derived ratios are withheld. A figure two sources cannot agree on is not drawn — the gap is a decision, not missing data.
All-company data · latest reported quarter
| Company | ROA | ROA change | Reported |
|---|---|---|---|
| Aadhar Housing Finance Ltd AADHARHFC | 4.0% | +0.1 pp | Jun 2026 |
| Home First Finance Company India Ltd HOMEFIRST | 3.6% | +0.2 pp | Jun 2026 |
| AAVAS Financiers Ltd AAVAS | 3.1% | 0.0 pp | Jun 2026 |
| Repco Home Finance Ltd REPCOHOME | 2.9% | −0.2 pp | Jun 2026 |
| PNB Housing Finance Ltd PNBHOUSING | 2.5% | +0.2 pp | Jun 2026 |
| Housing & Urban Development Corporation Ltd HUDCO | 2.4% | +0.3 pp | Jun 2026 |
| Can Fin Homes Ltd CANFINHOME | 2.4% | +0.3 pp | Jun 2026 |
| Bajaj Housing Finance Ltd BAJAJHFL | 2.0% | −0.1 pp | Jun 2026 |
| LIC Housing Finance Ltd LICHSGFIN | 1.7% | 0.0 pp | Jun 2026 |
| GIC Housing Finance Ltd GICHSGFIN⚠ unverified | 1.4% | −0.1 pp | Jun 2026 |
| Sammaan Capital Ltd SAMMAANCAP | -9.6% | −7.0 pp | Jun 2026 |
Full 20-quarter history · every available company
ROA · reported quarter history
Aadhar Housing Finance Ltd · AADHARHFC
—
—
—
—
—
3.1%
3.2%
3.6%
3.6%
—
3.9%
—
4.0%
—
3.9%
—
3.9%
—
4.0%
—
AAVAS Financiers Ltd · AAVAS
—
—
3.2%
—
3.4%
—
3.2%
—
3.1%
—
3.0%
—
3.2%
—
3.1%
—
3.1%
—
3.1%
—
Bajaj Housing Finance Ltd · BAJAJHFL
—
—
1.5%
—
1.8%
—
1.9%
2.0%
2.7%
—
2.1%
2.0%
2.3%
2.4%
2.1%
—
2.0%
—
2.0%
—
Can Fin Homes Ltd · CANFINHOME
—
—
—
—
1.8%
—
1.9%
—
1.9%
—
2.0%
—
2.1%
—
2.1%
—
2.2%
—
2.4%
—
GIC Housing Finance Ltd · GICHSGFIN⚠ unverified
—
—
—
—
—
—
—
—
1.7%
—
1.5%
—
1.6%
—
1.5%
—
1.3%
—
1.4%
—
Home First Finance Company India Ltd · HOMEFIRST
—
—
3.6%
—
3.5%
—
3.4%
—
3.3%
—
3.2%
—
3.0%
3.1%
3.4%
3.5%
3.3%
—
3.6%
—
Housing & Urban Development Corporation Ltd · HUDCO
—
—
2.2%
—
2.3%
—
2.1%
—
2.2%
—
2.3%
—
2.2%
—
2.1%
—
1.9%
—
2.4%
—
LIC Housing Finance Ltd · LICHSGFIN
—
—
0.9%
—
1.2%
—
1.0%
—
1.5%
—
1.6%
—
1.6%
—
1.7%
—
1.7%
—
1.7%
—
PNB Housing Finance Ltd · PNBHOUSING
—
—
1.3%
—
1.3%
—
1.6%
—
1.8%
—
2.1%
—
2.2%
—
2.3%
—
2.5%
—
2.5%
—
Repco Home Finance Ltd · REPCOHOME
—
—
1.6%
—
1.8%
—
2.5%
—
2.8%
—
3.0%
—
3.0%
—
3.1%
—
3.0%
—
2.9%
—
Sammaan Capital Ltd · SAMMAANCAP
1.2%
1.3%
1.4%
1.5%
1.6%
—
1.5%
—
1.6%
1.6%
1.7%
—
-2.6%
—
-2.6%
—
1.8%
—
-9.6%
—
ROA change · reported quarter history
Aadhar Housing Finance Ltd · AADHARHFC
—
—
—
—
—
—
—
—
—
—
+0.7 pp
—
+0.4 pp
—
0.0 pp
—
−0.1 pp
—
+0.1 pp
—
AAVAS Financiers Ltd · AAVAS
—
—
—
—
—
—
0.0 pp
—
−0.3 pp
—
−0.2 pp
—
+0.1 pp
—
+0.1 pp
—
−0.1 pp
—
0.0 pp
—
Bajaj Housing Finance Ltd · BAJAJHFL
—
—
—
—
—
—
+0.4 pp
—
+0.9 pp
—
+0.2 pp
0.0 pp
−0.4 pp
—
0.0 pp
—
−0.3 pp
—
−0.1 pp
—
Can Fin Homes Ltd · CANFINHOME
—
—
—
—
—
—
—
—
+0.1 pp
—
+0.1 pp
—
+0.2 pp
—
+0.1 pp
—
+0.1 pp
—
+0.3 pp
—
GIC Housing Finance Ltd · GICHSGFIN⚠ unverified
—
—
—
—
—
—
—
—
—
—
—
—
−0.1 pp
—
0.0 pp
—
−0.3 pp
—
−0.1 pp
—
Home First Finance Company India Ltd · HOMEFIRST
—
—
—
—
—
—
−0.2 pp
—
−0.2 pp
—
−0.2 pp
—
−0.3 pp
—
+0.2 pp
—
+0.3 pp
—
+0.2 pp
—
Housing & Urban Development Corporation Ltd · HUDCO
—
—
—
—
—
—
−0.1 pp
—
−0.1 pp
—
+0.2 pp
—
0.0 pp
—
−0.2 pp
—
−0.3 pp
—
+0.3 pp
—
LIC Housing Finance Ltd · LICHSGFIN
—
—
—
—
—
—
+0.1 pp
—
+0.3 pp
—
+0.6 pp
—
+0.1 pp
—
+0.1 pp
—
+0.1 pp
—
0.0 pp
—
PNB Housing Finance Ltd · PNBHOUSING
—
—
—
—
—
—
+0.3 pp
—
+0.5 pp
—
+0.5 pp
—
+0.4 pp
—
+0.2 pp
—
+0.3 pp
—
+0.2 pp
—
Repco Home Finance Ltd · REPCOHOME
—
—
—
—
—
—
+0.9 pp
—
+1.0 pp
—
+0.5 pp
—
+0.2 pp
—
+0.1 pp
—
0.0 pp
—
−0.2 pp
—
Sammaan Capital Ltd · SAMMAANCAP
—
—
—
—
+0.4 pp
—
+0.1 pp
—
0.0 pp
—
+0.2 pp
—
−4.2 pp
—
−4.3 pp
—
+4.4 pp
—
−7.0 pp
—
11 · compare level, then change
ROE — Leaders & Improvers
Aptus Value Housing Finance India Ltd has the highest ROE among the 13 Finance - Housing companies compared here, at 20.1%. Housing & Urban Development Corporation Ltd is next at 20%. Can Fin Homes Ltd has the highest ROE change at +5 percentage points, so level and change sit with different companies.
What the numbers say: Aptus Value Housing Finance India Ltd leads roe at 20.1%; Can Fin Homes Ltd leads roe change at +5 percentage points.
LeaderAptus Value Housing Finance India Ltd · 20.1%
Gap0.5% versus #2 · Housing & Urban Development Corporation Ltd
PersistenceNot enough history
Coverage13/13 companies · 204 observations
Investor read: Aptus Value Housing Finance India Ltd sets the level benchmark; use the change leader as an inflection watch only after another comparable report confirms it.
This conclusion weakens if: The next two comparable reports reverse the current roe change signal.
ROE shows the return to shareholders, but should be read with asset quality and leverage.
ROEhighest
ROE changefastest improvers
Return on equity · company comparison
13/13 level · 13/13 change
Withheld from this chart: Aptus Value Housing Finance India Ltd (APTUS) — its two data sources disagree by up to 3.3% on reported income across 14 comparable periods, so its derived ratios are withheld; India Shelter Finance Corporation Ltd (INDIASHLTR) — its two data sources disagree by up to 17% on reported income across 14 comparable periods, so its derived ratios are withheld. A figure two sources cannot agree on is not drawn — the gap is a decision, not missing data.
All-company data · latest reported quarter
| Company | ROE | ROE change | Reported |
|---|---|---|---|
| Can Fin Homes Ltd CANFINHOME | 24% | +5.0 pp | Jun 2026 |
| Aadhar Housing Finance Ltd AADHARHFC | 16% | 0.0 pp | Jun 2026 |
| Housing & Urban Development Corporation Ltd HUDCO | 16% | −1.4 pp | Jun 2026 |
| AAVAS Financiers Ltd AAVAS | 15% | +0.3 pp | Jun 2026 |
| LIC Housing Finance Ltd LICHSGFIN | 15% | −2.6 pp | Jun 2026 |
| Home First Finance Company India Ltd HOMEFIRST | 14% | −2.6 pp | Jun 2026 |
| Repco Home Finance Ltd REPCOHOME | 13% | −0.7 pp | Jun 2026 |
| Bajaj Housing Finance Ltd BAJAJHFL | 13% | +0.9 pp | Jun 2026 |
| PNB Housing Finance Ltd PNBHOUSING | 12% | −0.6 pp | Jun 2026 |
| GIC Housing Finance Ltd GICHSGFIN⚠ unverified | 8.7% | −1.9 pp | Jun 2026 |
| Sammaan Capital Ltd SAMMAANCAP | 5.6% | −0.5 pp | Jun 2026 |
Full 20-quarter history · every available company
ROE · reported quarter history
Aadhar Housing Finance Ltd · AADHARHFC
—
—
14%
—
16%
14%
15%
16%
16%
—
17%
18%
18%
18%
16%
16%
15%
16%
16%
—
AAVAS Financiers Ltd · AAVAS
—
15%
14%
17%
13%
15%
14%
16%
13%
14%
13%
16%
13%
15%
15%
15%
13%
15%
15%
15%
Bajaj Housing Finance Ltd · BAJAJHFL
—
11%
12%
12%
19%
15%
14%
12%
17%
17%
15%
13%
14%
13%
12%
12%
12%
13%
13%
—
Can Fin Homes Ltd · CANFINHOME
—
18%
16%
17%
21%
18%
18%
19%
20%
17%
20%
20%
18%
19%
18%
19%
18%
19%
19%
24%
GIC Housing Finance Ltd · GICHSGFIN⚠ unverified
0.8%
13%
22%
14%
10%
15%
17%
13%
7.5%
7.0%
8.2%
12%
8.5%
7.9%
11%
7.3%
1.5%
10%
8.7%
—
Home First Finance Company India Ltd · HOMEFIRST
10%
13%
13%
16%
13%
13%
14%
15%
15%
16%
14%
15%
17%
17%
17%
17%
19%
16%
14%
—
Housing & Urban Development Corporation Ltd · HUDCO
12%
11%
5.7%
21%
11%
11%
6.9%
17%
12%
12%
13%
17%
13%
16%
17%
17%
14%
16%
16%
—
LIC Housing Finance Ltd · LICHSGFIN
2.9%
4.5%
13%
19%
15%
5.0%
7.2%
18%
14%
17%
16%
14%
17%
16%
17%
16%
15%
14%
15%
—
PNB Housing Finance Ltd · PNBHOUSING
11%
10%
8.0%
7.0%
9.5%
10%
10%
10%
13%
12%
9.5%
12%
12%
12%
12%
14%
13%
13%
12%
—
Repco Home Finance Ltd · REPCOHOME
6.1%
16%
6.3%
7.2%
13%
12%
14%
13%
15%
15%
14%
14%
15%
15%
14%
14%
13%
13%
13%
—
Sammaan Capital Ltd · SAMMAANCAP
7.1%
7.3%
7.5%
7.4%
6.9%
6.9%
6.5%
6.5%
6.8%
6.7%
6.6%
6.3%
6.6%
-56%
6.1%
6.2%
6.1%
5.6%
5.6%
—
ROE change · reported quarter history
Aadhar Housing Finance Ltd · AADHARHFC
—
—
—
—
—
—
+0.2 pp
—
+0.1 pp
—
+2.3 pp
+1.8 pp
+2.3 pp
—
−0.5 pp
−2.0 pp
−3.1 pp
−1.5 pp
0.0 pp
—
AAVAS Financiers Ltd · AAVAS
—
—
—
—
—
−0.2 pp
+0.3 pp
−1.1 pp
+0.7 pp
−0.3 pp
−0.8 pp
−0.5 pp
0.0 pp
+0.8 pp
+1.2 pp
−1.0 pp
−0.6 pp
−0.6 pp
0.0 pp
+0.3 pp
Bajaj Housing Finance Ltd · BAJAJHFL
—
—
—
—
—
+4.0 pp
+2.0 pp
−0.3 pp
−1.6 pp
+1.8 pp
+1.7 pp
+1.1 pp
−2.9 pp
−3.5 pp
−3.6 pp
−0.8 pp
−2.6 pp
−0.5 pp
+0.9 pp
—
Can Fin Homes Ltd · CANFINHOME
—
—
—
—
—
−0.6 pp
+1.6 pp
+2.2 pp
−1.1 pp
−1.0 pp
+2.2 pp
+1.2 pp
−1.7 pp
+2.1 pp
−2.2 pp
−0.9 pp
−0.7 pp
+0.4 pp
+1.4 pp
+5.0 pp
GIC Housing Finance Ltd · GICHSGFIN⚠ unverified
—
—
—
—
+9.6 pp
+1.4 pp
−5.6 pp
−0.7 pp
−2.9 pp
−7.6 pp
−8.3 pp
−0.8 pp
+1.0 pp
+0.9 pp
+2.4 pp
−4.7 pp
−7.0 pp
+2.2 pp
−1.9 pp
—
Home First Finance Company India Ltd · HOMEFIRST
—
—
—
—
+2.8 pp
+0.7 pp
+1.3 pp
−1.3 pp
+2.2 pp
+2.5 pp
+0.5 pp
+0.7 pp
+1.3 pp
+0.9 pp
+2.2 pp
+1.7 pp
+2.4 pp
−0.6 pp
−2.6 pp
—
Housing & Urban Development Corporation Ltd · HUDCO
—
—
—
—
−0.9 pp
−0.1 pp
+1.2 pp
−4.3 pp
+0.1 pp
+0.7 pp
+6.3 pp
+0.4 pp
+1.9 pp
+4.7 pp
+4.0 pp
−0.7 pp
+0.6 pp
−0.5 pp
−1.4 pp
—
LIC Housing Finance Ltd · LICHSGFIN
—
—
—
—
+12.1 pp
+0.5 pp
−6.0 pp
−0.4 pp
−0.8 pp
+11.7 pp
+8.8 pp
−3.8 pp
+2.4 pp
−0.4 pp
+1.1 pp
+1.4 pp
−1.6 pp
−1.9 pp
−2.6 pp
—
PNB Housing Finance Ltd · PNBHOUSING
—
—
—
—
−1.4 pp
0.0 pp
+2.3 pp
+3.4 pp
+3.1 pp
+1.8 pp
−0.8 pp
+1.6 pp
−1.0 pp
+0.1 pp
+2.7 pp
+1.5 pp
+1.1 pp
+1.2 pp
−0.6 pp
—
Repco Home Finance Ltd · REPCOHOME
—
—
—
—
+6.7 pp
−4.1 pp
+7.5 pp
+6.2 pp
+1.9 pp
+3.0 pp
0.0 pp
+1.0 pp
+0.4 pp
0.0 pp
−0.3 pp
−0.9 pp
−1.7 pp
−2.4 pp
−0.7 pp
—
Sammaan Capital Ltd · SAMMAANCAP
—
—
—
—
−0.2 pp
−0.4 pp
−1.0 pp
−0.9 pp
−0.1 pp
−0.2 pp
+0.1 pp
−0.2 pp
−0.2 pp
−62.2 pp
−0.5 pp
−0.1 pp
−0.5 pp
+61.1 pp
−0.5 pp
—
12 · compare level, then change
Gross NPA — Leaders & Improvers
Bajaj Housing Finance Ltd has the lowest Gross NPA among the 13 Finance - Housing companies compared here, at 0.3%. Can Fin Homes Ltd is next at 0.9%. Sammaan Capital Ltd has the lowest GNPA change at -1 percentage points, so level and change sit with different companies. Its Gross NPA series carries 13 reported observations across the 20-quarter window.
What the numbers say: Bajaj Housing Finance Ltd leads gross npa at 0.3%; Sammaan Capital Ltd leads gnpa change at -1 percentage points.
LeaderBajaj Housing Finance Ltd · 0.3%
Gap66.7% versus #2 · Can Fin Homes Ltd
Persistence4/8 recent comparable periods
Coverage8/13 companies · 113 observations
Investor read: Bajaj Housing Finance Ltd sets the level benchmark; use the change leader as an inflection watch only after another comparable report confirms it.
This conclusion weakens if: The next two comparable reports reverse the current gnpa change signal.
Lower gross NPA is better. Improvement means the ratio is falling, so ranks are intentionally inverted.
Gross NPAlowest
GNPA changefastest improvers
Asset quality · company comparison
8/13 level · 9/13 change
All-company data · latest reported quarter
| Company | Gross NPA | GNPA change | Reported |
|---|---|---|---|
| Home First Finance Company India Ltd HOMEFIRST | 1.8% | 0.0 pp | Jun 2026 |
| Aptus Value Housing Finance India Ltd APTUS | 1.7% | +0.2 pp | Jun 2026 |
| Sammaan Capital Ltd SAMMAANCAP | 1.4% | −1.0 pp | Jun 2026 |
| Aadhar Housing Finance Ltd AADHARHFC | 1.3% | −0.0 pp | Jun 2026 |
| India Shelter Finance Corporation Ltd INDIASHLTR | 1.3% | +0.3 pp | Mar 2026 |
| AAVAS Financiers Ltd AAVAS | 1.1% | −0.1 pp | Jun 2026 |
| PNB Housing Finance Ltd PNBHOUSING | 1.0% | −0.1 pp | Jun 2026 |
| Can Fin Homes Ltd CANFINHOME | 0.9% | −0.1 pp | Jun 2026 |
| Bajaj Housing Finance Ltd BAJAJHFL | 0.3% | −0.0 pp | Jun 2026 |
Full 20-quarter history · every available company
Gross NPA · reported quarter history
Aadhar Housing Finance Ltd · AADHARHFC
—
—
—
—
—
—
—
1.5%
1.4%
1.4%
1.1%
1.3%
1.3%
1.4%
1.1%
1.3%
1.4%
1.4%
1.1%
1.3%
AAVAS Financiers Ltd · AAVAS
—
—
—
—
—
—
—
1.0%
1.0%
1.1%
0.9%
1.0%
1.1%
1.1%
1.1%
1.2%
1.2%
1.2%
1.1%
1.1%
Aptus Value Housing Finance India Ltd · APTUS
—
—
—
—
—
1.4%
1.2%
1.3%
1.2%
1.2%
1.1%
1.3%
1.3%
1.3%
1.2%
1.5%
1.6%
1.6%
1.5%
1.7%
Bajaj Housing Finance Ltd · BAJAJHFL
—
—
—
—
—
—
—
0.2%
0.2%
0.3%
0.3%
0.3%
0.3%
0.3%
0.3%
0.3%
0.3%
0.3%
0.3%
0.3%
Can Fin Homes Ltd · CANFINHOME
—
—
—
—
—
0.6%
0.6%
0.6%
0.8%
0.9%
0.8%
0.9%
0.9%
0.9%
0.9%
1.0%
0.9%
0.9%
0.9%
0.9%
Home First Finance Company India Ltd · HOMEFIRST
—
—
—
—
—
—
1.6%
1.6%
1.7%
1.7%
1.7%
2.9%
1.7%
1.7%
1.7%
1.8%
1.9%
2.0%
1.8%
1.8%
India Shelter Finance Corporation Ltd · INDIASHLTR
—
—
—
—
—
—
1.1%
1.1%
—
1.2%
1.0%
1.1%
1.2%
1.3%
1.0%
1.2%
1.3%
1.5%
1.3%
—
PNB Housing Finance Ltd · PNBHOUSING
—
—
—
—
—
—
—
—
—
—
—
—
1.2%
1.2%
—
1.1%
1.0%
1.0%
0.9%
1.0%
Sammaan Capital Ltd · SAMMAANCAP
—
—
—
—
—
3.3%
2.9%
2.9%
2.9%
2.9%
2.7%
2.7%
2.4%
—
1.3%
1.5%
1.4%
—
—
—
GNPA change · reported quarter history
Aadhar Housing Finance Ltd · AADHARHFC
—
—
—
—
—
—
—
—
—
—
—
−0.2 pp
−0.1 pp
−0.0 pp
−0.1 pp
+0.0 pp
+0.1 pp
+0.0 pp
+0.0 pp
−0.0 pp
AAVAS Financiers Ltd · AAVAS
—
—
—
—
—
—
—
—
—
—
—
+0.0 pp
+0.0 pp
+0.1 pp
+0.1 pp
+0.2 pp
+0.2 pp
+0.1 pp
−0.0 pp
−0.1 pp
Aptus Value Housing Finance India Ltd · APTUS
—
—
—
—
—
—
—
—
—
−0.3 pp
−0.1 pp
+0.0 pp
+0.1 pp
+0.1 pp
+0.1 pp
+0.2 pp
+0.3 pp
+0.3 pp
+0.3 pp
+0.2 pp
Bajaj Housing Finance Ltd · BAJAJHFL
—
—
—
—
—
—
—
—
—
—
—
+0.1 pp
+0.1 pp
+0.0 pp
+0.0 pp
+0.0 pp
−0.0 pp
−0.0 pp
−0.0 pp
−0.0 pp
Can Fin Homes Ltd · CANFINHOME
—
—
—
—
—
—
—
—
—
+0.3 pp
+0.3 pp
+0.3 pp
+0.1 pp
+0.0 pp
+0.1 pp
+0.1 pp
+0.1 pp
0.0 pp
−0.0 pp
−0.1 pp
Home First Finance Company India Ltd · HOMEFIRST
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—
—
—
—
—
—
—
—
—
+0.1 pp
+1.3 pp
0.0 pp
0.0 pp
0.0 pp
−1.1 pp
+0.2 pp
+0.3 pp
+0.1 pp
0.0 pp
India Shelter Finance Corporation Ltd · INDIASHLTR
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—
—
—
—
—
—
—
—
—
−0.2 pp
+0.1 pp
—
+0.1 pp
+0.0 pp
+0.1 pp
+0.0 pp
+0.3 pp
+0.3 pp
—
PNB Housing Finance Ltd · PNBHOUSING
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—
—
—
—
—
—
—
—
—
—
—
—
—
—
—
−0.2 pp
−0.2 pp
—
−0.1 pp
Sammaan Capital Ltd · SAMMAANCAP
—
—
—
—
—
—
—
—
—
−0.5 pp
−0.2 pp
−0.2 pp
−0.5 pp
—
−1.4 pp
−1.2 pp
−1.0 pp
—
—
—
13 · compare level, then change
Valuation Against Growth & Quality
Repco Home Finance Ltd has the lowest P/BV ÷ ROE among the 13 Finance - Housing companies compared here, at 0.04×. GIC Housing Finance Ltd is next at 0.05×. GIC Housing Finance Ltd has the lowest P/BV at 0.35×, so level and change sit with different companies. 12 of 13 companies report a comparable reading, the latest through Jun 2026.
What the numbers say: Repco Home Finance Ltd has the lowest comparable P/BV ÷ ROE at 0.04×, 20% below GIC Housing Finance Ltd. Only 12 of 13 companies have earnings and growth steady enough for the ratio to mean anything, so no broad “cheapest stock” conclusion is defensible unless the current multiple, own-history position and growth durability agree.
LeaderRepco Home Finance Ltd · 0.04×
Gap20% versus #2 · GIC Housing Finance Ltd
Persistence0/8 recent comparable periods
Coverage12/13 companies · 185 observations
Investor read: Treat valuation as permission to investigate, never as a standalone reason to buy.
This conclusion weakens if: The next two comparable reports reverse the current p/bv signal.
Banks are compared on P/BV and P/BV÷ROE, not PEG. Lower is better only if asset quality and return durability hold; cheap book value with weakening NPAs is not automatically attractive.
P/BV ÷ ROElowest return-adjusted price
P/BVlowest P/BV
Valuation · company comparison
12/13 level · 13/13 change
All-company data · latest reported quarter
| Company | P/BV ÷ ROE | P/BV | Reported |
|---|---|---|---|
| Bajaj Housing Finance Ltd BAJAJHFL | 0.2 | 3.6 | Jun 2026 |
| Aadhar Housing Finance Ltd AADHARHFC | 0.2 | 3.5 | Jun 2026 |
| AAVAS Financiers Ltd AAVAS | 0.2 | 2.7 | Jun 2026 |
| Home First Finance Company India Ltd HOMEFIRST | 0.2 | 2.9 | Jun 2026 |
| Housing & Urban Development Corporation Ltd HUDCO | 0.1 | 2.3 | Jun 2026 |
| Sammaan Capital Ltd SAMMAANCAP | 0.1 | 1.0 | Jun 2026 |
| PNB Housing Finance Ltd PNBHOUSING | 0.1 | 1.6 | Jun 2026 |
| Can Fin Homes Ltd CANFINHOME | 0.1 | 2.3 | Jun 2026 |
| LIC Housing Finance Ltd LICHSGFIN | 0.1 | 0.8 | Jun 2026 |
| Repco Home Finance Ltd REPCOHOME | 0.1 | 0.7 | Jun 2026 |
| GIC Housing Finance Ltd GICHSGFIN⚠ unverified | 0.1 | 0.4 | Jun 2026 |
| Aptus Value Housing Finance India Ltd APTUS | — | 3.1 | Jun 2026 |
| India Shelter Finance Corporation Ltd INDIASHLTR | — | 2.8 | Mar 2026 |
Full 20-quarter history · every available company
P/BV ÷ ROE · reported quarter history
Aadhar Housing Finance Ltd · AADHARHFC
—
—
—
—
—
—
—
—
—
—
—
0.2
0.2
0.2
0.2
0.2
0.2
0.2
0.2
—
AAVAS Financiers Ltd · AAVAS
—
0.5
0.5
0.4
0.5
0.3
0.3
0.2
0.3
0.2
0.2
0.3
0.3
0.2
0.3
0.3
0.2
0.2
0.1
0.2
Bajaj Housing Finance Ltd · BAJAJHFL
—
—
—
—
—
—
—
—
—
—
—
—
0.5
0.4
0.5
0.4
0.4
0.3
0.2
—
Can Fin Homes Ltd · CANFINHOME
—
0.1
0.2
0.1
0.1
0.1
0.1
0.2
0.1
0.2
0.1
0.2
0.2
0.1
0.1
0.1
0.1
0.1
0.1
0.1
GIC Housing Finance Ltd · GICHSGFIN⚠ unverified
0.7
0.0
0.0
0.0
0.1
0.1
0.0
0.1
0.1
0.1
0.1
0.1
0.1
0.1
0.1
0.1
0.3
0.1
0.1
—
Home First Finance Company India Ltd · HOMEFIRST
0.4
0.4
0.3
0.3
0.4
0.3
0.3
0.3
0.3
0.3
0.3
0.3
0.3
0.2
0.2
0.3
0.2
0.2
0.2
—
Housing & Urban Development Corporation Ltd · HUDCO
0.1
0.1
0.1
0.0
0.0
0.1
0.1
0.1
0.1
0.1
0.2
0.2
0.2
0.2
0.1
0.2
0.2
0.2
0.1
—
LIC Housing Finance Ltd · LICHSGFIN
0.4
0.2
0.1
0.0
0.1
0.2
0.1
0.1
0.1
0.1
0.1
0.1
0.1
0.1
0.1
0.1
0.1
0.1
0.1
—
PNB Housing Finance Ltd · PNBHOUSING
0.2
0.1
0.1
0.1
0.1
0.1
0.1
0.1
0.1
0.1
0.1
0.2
0.2
0.1
0.1
0.1
0.1
0.1
0.1
—
Repco Home Finance Ltd · REPCOHOME
0.2
0.1
0.1
0.1
0.1
0.1
0.0
0.1
0.1
0.1
0.1
0.1
0.1
0.1
0.1
0.1
0.0
0.1
0.1
—
Sammaan Capital Ltd · SAMMAANCAP
0.1
0.1
0.1
0.1
0.1
0.1
0.1
0.1
0.1
0.1
0.1
0.1
0.1
—
0.1
0.1
0.1
0.1
0.1
—
P/BV · reported quarter history
Showing the 12 largest of 13 companies with a series here. The remaining 1 are complete in the plain-text rendition and the trace payload — nothing is dropped from the data, only from this grid.
Aadhar Housing Finance Ltd · AADHARHFC
—
—
—
—
—
—
—
—
—
—
—
3.9
3.4
3.1
3.1
3.0
3.5
3.0
2.9
3.5
AAVAS Financiers Ltd · AAVAS
8.4
8.0
6.8
6.5
5.8
4.8
4.5
3.7
4.2
3.5
3.0
4.5
3.8
3.2
4.1
4.2
2.9
2.5
1.9
2.7
Aptus Value Housing Finance India Ltd · APTUS
—
—
6.0
—
—
4.8
4.1
4.2
4.4
4.5
4.4
4.9
4.8
3.8
3.7
4.2
3.6
3.0
2.1
3.1
Bajaj Housing Finance Ltd · BAJAJHFL
—
—
—
—
—
—
—
—
—
—
—
—
6.8
5.6
5.5
5.1
4.6
3.7
3.0
3.6
Can Fin Homes Ltd · CANFINHOME
3.4
2.6
2.8
2.2
1.9
2.1
2.3
2.8
2.8
2.6
2.5
3.3
2.7
2.1
1.9
2.4
1.9
2.3
2.0
2.3
Home First Finance Company India Ltd · HOMEFIRST
3.8
4.6
4.3
4.1
4.5
3.8
4.1
3.8
3.9
4.2
4.1
4.3
5.0
4.0
4.0
5.3
4.2
2.9
2.4
2.9
Housing & Urban Development Corporation Ltd · HUDCO
0.7
0.6
0.5
0.5
0.5
0.7
0.6
0.8
1.2
1.6
2.4
3.6
2.9
2.6
2.3
2.8
2.5
2.5
1.9
2.3
India Shelter Finance Corporation Ltd · INDIASHLTR
—
—
—
—
—
—
—
—
—
—
4.9
3.3
3.5
3.0
3.6
4.1
3.5
3.0
2.8
—
LIC Housing Finance Ltd · LICHSGFIN
1.1
0.9
0.9
0.8
0.9
0.9
0.7
0.9
0.9
1.0
1.1
1.6
1.2
1.0
0.9
1.1
0.8
0.8
0.7
0.8
PNB Housing Finance Ltd · PNBHOUSING
1.6
1.1
0.9
0.8
0.8
1.1
1.1
1.5
1.6
1.4
1.1
1.8
1.7
1.4
1.4
1.9
1.3
1.4
1.1
1.6
Repco Home Finance Ltd · REPCOHOME
0.9
0.8
0.5
0.4
0.6
0.6
0.5
0.8
0.9
0.9
0.9
1.3
1.1
0.8
0.7
0.9
0.6
0.7
0.6
0.7
Sammaan Capital Ltd · SAMMAANCAP
0.9
0.8
0.6
0.4
0.4
0.6
0.4
0.5
0.7
0.8
0.7
0.7
0.6
0.6
0.4
0.5
0.5
0.5
0.6
1.0
14 · before the conclusion, check the blind spots
What can make this comparison misleading?
This Finance - Housing comparison names 7 specific ways its own evidence can mislead, all listed below. All 13 companies here report on comparable dates, so no rank carries a stale marker. 1 draws at least one figure from a second feed with too little overlap to cross-check. 2 have second-feed figures withheld because the two sources disagree.
Keep these limits visible
- A high growth rate can be a low-base artefact. The page keeps level and change separate for that reason.
- A high ROE can be manufactured with leverage. Read it beside ROA and asset quality.
- The 4-Factor Sector Score ranks research priority, not portfolio action. Management quality, catalysts and risks need equally fresh evidence before capital is deployed.
- An “all companies” line chart preserves completeness, but rank changes should be checked against reporting dates before drawing a conclusion.
- Banks and lenders are not forced through operating-margin or ROCE comparisons; missing lender-specific fields remain visibly missing.
- 1 company draws at least one figure from a second data feed with too little overlapping history to cross-check against the primary source; it is marked unverified wherever that figure appears.
- 2 companies are missing from the second-feed metrics by decision, not by absence: the two sources disagree, so nothing from the second is drawn. Read those rows as narrower evidence, never as a weaker business.
15 · evidence and freshness
How was this comparison built?
This comparison is built from the reported filings of 13 Finance - Housing companies, normalized to a common ₹ scale and a shared quarter axis of up to 20 quarters each. Fundamentals run through Jun 2026 and market data through 2026-09-11. A second data feed fills gaps only after identity and scale reconciliation, and missing observations are never interpolated.
FundamentalsThrough Jun 2026 · up to 20 quarters per company
Market dataThrough 2026-09-11 · weekly price and relative-strength history
Derived metricsGrowth, changes and P/BV÷ROE are calculated only when their inputs are comparable.
Score confidenceMissing and stale evidence reduces confidence and pulls the 0–100 research-priority score toward neutral.
Source standing10 cross-checked · 1 unverified · 2 withheld, of 13 graded companies.
How a second data feed is admitted, and what happens when it disagrees
A second feed is read only after its reported income is matched against the primary source on at least three overlapping periods. Where the two agree the figures fill silently. Where there is too little shared history to compare, the figures are still drawn — they are the only evidence there is — and marked ⚠ unverified everywhere they appear. Where the two are known to disagree, nothing from the second feed is drawn and the affected company is named under the chart it is missing from.
16 · questions investors ask, short speakable answers
Finance - Housing company comparison FAQs
These 26 answers restate the Finance - Housing comparison above in question form. Every one is computed from the same 13 companies and the same reported filings as the rankings and charts, current through Jun 2026. Price and relative-strength answers run through 2026-09-11. Nothing here is estimated, and none of it is a recommendation.
Is the Finance - Housing sector outperforming NIFTY 500?
Finance - Housing has underperformed NIFTY 500 by 6.7% over 52 weeks and 4.4% over 13 weeks. 3 of 13 covered companies beat NIFTY on Mansfield relative strength, while 3 of 13 beat the sector itself.
Which Finance - Housing company is largest by income?
LIC Housing Finance Ltd leads with income of ₹28,562 crore, based on 13 of 13 comparable companies through Jun 2026.
Which Finance - Housing company is growing fastest?
India Shelter Finance Corporation Ltd has the fastest current income growth at 31.1%, across 13 of 13 comparable companies.
Which Finance - Housing company has the strongest 4-Factor Sector Score?
Can Fin Homes Ltd ranks first at 67.1/100 with 100% evidence confidence. The score prioritizes research; it is not a buy recommendation.
Which Finance - Housing company has the largest deposit base?
PNB Housing Finance Ltd has the largest reported deposit base at ₹18,055 crore. Bank borrowings are operating funding, not industrial leverage.
Which Finance - Housing company has the lowest comparable P/BV-to-ROE?
Repco Home Finance Ltd has the lowest comparable P/BV ÷ ROE at 0.04, among 12 of 13 companies whose earnings and growth are steady enough for the ratio to mean anything.
How much history does this Finance - Housing comparison include?
The page compares up to 20 reported quarters per company for fundamentals, returns and valuation, ending Jun 2026. Missing observations remain blank rather than being estimated.
How is the 4-Factor Sector Score calculated?
The four visible contributions add directly: growth and earnings up to 35 points, capital efficiency up to 25, valuation up to 20, and relative strength up to 20. Missing or stale evidence moves only the affected contribution toward neutral.
Is there a Nifty Finance - Housing index?
NSE India maintains Nifty indices for several broad sector categories — Nifty Bank, Nifty IT, Nifty Pharma and others — but not for every sub-sector grouping on this site. Whether or not an official Nifty index covers Finance - Housing, this page builds its own equal-weight basket of 13 listed Finance - Housing companies — one company, one vote, regardless of market value — so no single large company dominates the reading. Figures are as of Jun 2026.
Which are the best Finance - Housing stocks in India?
Ranked by this page's four-factor score, Can Fin Homes Ltd places first among 13 listed Finance - Housing companies, followed by PNB Housing Finance Ltd. That is a ranking of published data — earnings, quality, valuation and market behaviour as of Jun 2026 — and not a recommendation; Sector Alpha is not registered with SEBI as an investment adviser.
How many Finance - Housing stocks are listed in India?
This comparison covers 13 listed Finance - Housing companies in India, each above the size floor the site applies, with 20 quarters of reported figures per company where the filings exist. The full ranked list is on this page, as of Jun 2026.
Which Finance - Housing company is the biggest?
LIC Housing Finance Ltd is the largest, with trailing-twelve-month income of ₹28,562 crore, ahead of Housing & Urban Development Corporation Ltd at ₹13,930 crore. That covers 13 of 13 companies with comparable reporting through Jun 2026.
Which Finance - Housing company makes the most profit?
LIC Housing Finance Ltd earns the most, at ₹5,739 crore of trailing-twelve-month net profit, from 13 of 13 comparable companies. Housing & Urban Development Corporation Ltd has the fastest profit growth at 53%, though growth off a small or recovering profit base overstates how much has actually changed.
Which Finance - Housing lender has the best asset quality?
Bajaj Housing Finance Ltd reports the lowest gross NPA ratio at 0.3% — lower is better — across 8 of 13 lenders. Read the direction as well as the level: a rising NPA ratio off a low base can matter more than a high but falling one.
Which Finance - Housing company earns the highest return on capital?
Aadhar Housing Finance Ltd leads on return on assets at 4%, across 11 of 13 companies. Read it beside the length of its reported history: a high return that repeats for years is evidence of a durable business, while a single high reading can be a small capital base or one good year.
Which Finance - Housing stock is the cheapest?
On price-to-book divided by return on equity — where a LOWER number is cheaper — Repco Home Finance Ltd screens cheapest at 0.04×. Only 12 of 13 companies have earnings and growth steady enough for the ratio to mean anything, so this is not a sector-wide "cheapest stock" verdict. Cheap on a multiple is a reason to investigate, never a reason to buy on its own.
Which Finance - Housing lender has the largest funding base?
PNB Housing Finance Ltd has the largest reported deposit base at ₹18,055 crore. For lenders, deposits and borrowings are operating inputs rather than leverage, so they are read against asset quality and returns instead of as debt.
Is the Finance - Housing sector beating the market?
Finance - Housing has underperformed NIFTY 500 by 6.7% over the last 52 weeks and 4.4% over 13 weeks, measured on an equal-weight index of its current members. Inside the sector, 3 of 13 covered companies are beating the market on their own. Sector strength does not transfer evenly to every stock in it.
Which Finance - Housing stock has the strongest price momentum?
PNB Housing Finance Ltd has the strongest relative strength against NIFTY 500. Relative strength answers last, after growth, quality and valuation: price can move well before the fundamentals confirm it, and sometimes without them confirming at all.
Which Finance - Housing company scores highest for research priority?
Can Fin Homes Ltd scores 67.1 out of 100 with 100% evidence confidence, from 26.1 points on growth and earnings, 19.5 on capital efficiency, 16.2 on valuation and 5.3 on relative strength. This ranks what deserves work next. It is not a buy recommendation, and management quality, catalysts and risk still need separate research.
How many Finance - Housing companies does this comparison cover, and over what period?
It compares 13 listed companies over up to 20 reported quarters of fundamentals, ending Jun 2026, plus weekly price and relative-strength history. Membership is the full sector list — nothing is dropped for having thin data.
What is the total market cap of the Finance - Housing sector?
The 13 Finance - Housing companies on this page carry ₹2,58,966 crore of combined market value. Bajaj Housing Finance Ltd is the largest at ₹70,083 crore, about 27% of the sector's total on its own. Market value moves with price, so this reading is dated 2026-09-17.
What is the Finance - Housing sector's P/B ratio?
The median price-to-book ratio across the 13 Finance - Housing companies on this page is 1.7×, measured on the 13 that report a comparable figure. A sector-level history for this multiple is not held here, so this is a cross-section of today, not a comparison with the sector’s own past. Figures are as of 2026-09-17.
How is the Finance - Housing sector performing?
3 of the 13 covered Finance - Housing companies are beating NIFTY 500 on Mansfield relative strength. The sector itself is 6.7% behind NIFTY 500 over 52 weeks on an equal-weight index of its current members. Readings are as of 2026-09-17.
Why are some values on this page blank?
A blank means that company did not report a comparable figure for that period, so nothing is shown. Missing observations are never interpolated, carried forward, or replaced with a similar-looking accounting line, and a company with missing evidence has its research score pulled toward neutral rather than being scored as bad.
Is this investment advice?
No. Every figure here is a deterministic calculation from reported company filings and market data, published for research. It contains no recommendation to buy or sell any security, does not account for your circumstances, and is not a substitute for advice from a licensed adviser.
Not SEBI Registered !! Not Investment advice !!