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Interest Coverage is a ratio that determines how easily a company can pay interest expenses on outstanding debt. It is calculated by dividing a company's
Operating Income
by its Interest Expense. India Home Loan's
Operating Income
for the
three
months ended in Mar. 2026 was ₹0.3 Mil. India Home Loan's Interest Expense for the
three
months ended in Mar. 2026 was ₹0.0 Mil.
GuruFocus does not calculate 's interest coverage with the available data.
The higher the ratio, the stronger the company's financial strength is.
The historical rank and industry rank for India Home Loan's Interest Coverage or its related term are showing as below:
BOM:530979's Interest Coverage is not ranked *
in the Banks industry.
Industry Median: 29.955 * Ranked among companies with meaningful Interest Coverage only.
India Home Loan (BOM:530979) Interest Coverage Explanation
Ben Graham requires that a company has a minimum interest coverage of 5 with the companies he invested. If the interest coverage is less than 2, the company is burdened by debt. Any business slow or recession may drag the company into a situation where it cannot pay the interest on its debt.
Interest Coverage is an important factor when GuruFocus ranks a company's overage Financial Strength .
India Home Loan Interest Coverage Related Terms
India Home Loan Interest Coverage Historical Data
* Premium members only.
The historical data trend for India Home Loan's Interest Coverage 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.
Note: For Interest Coverage, "No debt" indicates no long-term debt. An indication of "No Debt" does not necessarily mean that the company has no long-term debt obligations; it could be due to missing data in the quarterly or annual report. Use caution when interpreting this information.
BOM:530979 vs RKT, FNMA, PFSI: Interest Coverage Comparison
For the Mortgage Finance subindustry, India Home Loan's Interest Coverage, along with its competitors' market caps and Interest Coverage 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 Interest Coverage vs Banks Industry
For the Banks industry and Financial Services sector, India Home Loan's Interest Coverage distribution charts can be found below:
* The bar in red indicates where India Home Loan's Interest Coverage falls into.
Interest Coverage is a ratio that determines how easily a company can pay interest expenses on outstanding debt. It is calculated by dividing a company's Operating Income (EBIT) by its Interest Expense:
GuruFocus does not calculate India Home Loan's interest coverage with the available data.
* 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.
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:
Interest Coverage: N/A
GF Value™: ₹35.40 vs. price of ₹30.50 (13.8% below fair value)
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
Interest Coverage is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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