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India Home LoanBOM:530979 +1.63%59 Days Payable is 7.25 as of Mar. 2026, which is 8% below its 10-year median of 7.87. GuruFocus rates BOM:530979 with a GF Score™ of 59/100 and a GF Value™ of ₹35.40 (Modestly Undervalued). The stock has 5 warning signs investors should review. Among 32 Banks companies, India Home Loan ranks worse than 75% on this metric.
The historical rank and industry rank for India Home Loan's Days Payable or its related term are showing as below:
BOM:530979'
s Days Payable Range Over the Past 10 Years
Min: 1.73 Med: 7.87 Max: 12.86
Current: 5.81
During the past 13 years, India Home Loan's highest Days Payable was 12.86. The lowest was 1.73. And the median was 7.87.
BOM:530979's Days Payable is ranked worse than 75% of 32
companies
in the Banks industry
Industry Median: 32.045
vs BOM:530979: 5.81
India Home Loan's Days Payable
increased
from Mar. 2025 (6.01) to Mar. 2026 (7.25).
It may suggest that India Home Loandelayed paying its suppliers.
India Home Loan Days Payable Related Terms
India Home Loan Days Payable Historical Data
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The historical data trend for India Home Loan's Days Payable can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
BOM:530979 vs RKT, FNMA, PFSI: Days Payable Comparison
For the Mortgage Finance subindustry, India Home Loan's Days Payable, along with its competitors' market caps and Days Payable data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
India Home Loan Days Payable vs Banks Industry
For the Banks industry and Financial Services sector, India Home Loan's Days Payable distribution charts can be found below:
* The bar in red indicates where India Home Loan's Days Payable falls into.
Days Payable indicates the number of days that the account payable relative to cost of goods sold the company has. An increase of Days Payable may suggest that the company delays paying its suppliers.
India Home Loan's Days Payable for the fiscal year that ended in Mar. 2026 is calculated as
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
India Home Loan (BOM:530979) has a Days Payable of 7.25 as of Mar. 2026. Days payable represents the average amount of days a company waits to pay its invoices from suppliers. View historical data on India Home Loan and its competitors. This is near median its historical median of 7.87. Over the past decade, India Home Loan's Days Payable has ranged from 1.73 to 12.86. According to the industry distribution chart, India Home Loan ranks #24 out of 32 companies in the Banks industry, placing it in the top 75%.
Is India Home Loan's Days Payable too high?
India Home Loan's current Days Payable of 7.25 is near median its 10-year median of 7.87. Over the past 10 years, this metric has ranged from a low of 1.73 to a high of 12.86. The Banks industry median Days Payable is 32.05. India Home Loan's value of 7.25 is 77.4% below this industry median. Based on the distribution chart, India Home Loan ranks #24 out of 32 companies in the Banks industry, which is below the industry midpoint. Overall, India Home Loan has a GF Score™ of 59/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does India Home Loan's Days Payable compare to RKT and FNMA?
According to the Banks industry distribution chart, India Home Loan ranks #24 out of 32 companies for Days Payable. This places India Home Loan in the lower half of its industry. The industry median Days Payable is 32.05. India Home Loan's value of 7.25 is 77.4% below this benchmark. Historically, India Home Loan's own Days Payable has ranged from 1.73 to 12.86 over the past decade. While the company's 10-year median is 7.87 vs. the industry median of 32.05, India Home Loan has consistently been below the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Days Payable for a Banks company?
The median Days Payable among Banks companies is 32.05, based on 32 companies in the industry. Companies in the top quartile (top 25%) have a Days Payable significantly above this median, while those in the bottom quartile fall well below. However, Days Payable should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. India Home Loan's current Days Payable of 7.25 is 77.4% below the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Days Payable mean?
A high Days Payable can signal that a stock is expensive relative to its fundamentals. Days payable represents the average amount of days a company waits to pay its invoices from suppliers. View historical data on India Home Loan and its competitors. For the Banks industry, the median Days Payable is 32.05 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. India Home Loan's current Days Payable is 7.25, which is near median its own 10-year median of 7.87. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is India Home Loan stock overvalued right now?
Based on GuruFocus' analysis, India Home Loan (BOM:530979) is currently considered Modestly Undervalued. The stock's GF Value™ is ₹35.40, compared to a current price of ₹30.50 — trading 13.8% below its estimated fair value. The current Days Payable is 7.25, which is near median its 10-year median of 7.87 and 77.4% below the Banks industry median of 32.05. India Home Loan's overall GF Score™ is 59/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Days Payable calculated?
Days Payable is calculated from a company's financial statements. For India Home Loan (BOM:530979), the current Days Payable is 7.25 as of Mar. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is India Home Loan (BOM:530979) Overvalued in 2026?
Based on GuruFocus' analysis, India Home Loan stock appears to be undervalued.
The current stock price of ₹30.50 is trading 13.8% below its estimated GF Value™ of ₹35.40.
GuruFocus considers India Home Loan to be Modestly Undervalued.
Key valuation signals for BOM:530979:
Days Payable: 7.25 (near median its 10-year median of 7.87)
GF Value™: ₹35.40 vs. price of ₹30.50 (13.8% below fair value)
Industry Position: 77.4% below the Banks median (#24 of 32)
No single metric tells the full story. See the BOM:530979 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
India Home Loan Ltd is a Non-deposit accepting Housing Finance Company. The company offers retail home loan products for affordable housing segments. Under this product, loans are offered to the customers for Purchase of home, home improvement, home extension and for construction of a dwelling unit on an owned plot of land. It specializes on loans to families in the self-employed category where formal income proofs aren't easily available and their repayment capacity is appraised based on their cash flows.
59GF Score
Get the complete analysis for BOM:530979
Days Payable is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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