Sahara Housingfina (BOM:511533) Moat Score: 0/10 (As of Jul. 24, 2026)

Author: Vera Yuan Vera Yuan
Vera Yuan
Vera Yuan
Director of Data and Quant Analytics at GuruFocus
Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Reviewed by: Charlie Tian Charlie Tian
Charlie Tian
Charlie Tian
Founder & CEO of GuruFocus
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.

BOM:511533 Sahara Housingfina Corp Ltd BOM:511533
62 GF Score
Price ₹39.26
GF Value ₹35.87
Valuation Fairly Valued
! 7 Warning Signs
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What is Sahara Housingfina Moat Score?

Sahara Housingfina has the Moat Score of 0, which implies that the company might have No Moat - No discernible moat.

Sahara Housingfina has

Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more.

The company's Moat Score is based on these criteria:

1. Market leadership and sustainable market share
2. Network effects and significant customer switching costs
3. Valuable intellectual property and patents
4. Strong brand strength and deep customer loyalty
5. Durable cost advantages (e.g., economies of scale, proprietary technology)
6. Significant regulatory barriers and exclusive licenses
7. Superior distribution network
8. Strong and sustainable pricing power
9. Consistent and impactful innovation and R&D capabilities

Based on the research, GuruFocus believes Sahara Housingfina might have No Moat - No discernible moat.

Sahara Housingfina  (BOM:511533) Moat Score Explanation

The Moat Score ranges from 0 to 10, with 10 as the highest. GuruFocus divided Moat Score into following 8 categories:

Moat Score Moat Level
10Wide Moat - Exceptionally dominant and durable wide moat
8 - 9Wide Moat - Clear and robust wide moat
7Wide Moat - Entry-level wide moat, clearly possessing durable advantages
6Narrow Moat - Strong narrow moat, clearly distinguishable but not wide
5Narrow Moat - Solid narrow moat
4Narrow Moat - Discernible but modest moat
1 - 3No Moat - Very weak/transient advantages
0No Moat - No discernible moat

Sahara Housingfina Moat Score Related Terms

BOM:511533
62GF Score
Sahara Housingfina Corp Ltd BOM:511533
Moat Score is just one metric. See GF Score™, valuation, warning signs, and more.
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Is Sahara Housingfina (BOM:511533) Overvalued in 2026?

Based on GuruFocus' analysis, Sahara Housingfina stock appears to be overvalued. The current stock price of ₹39.26 is trading 9.5% above its estimated GF Value™ of ₹35.87. GuruFocus considers Sahara Housingfina to be Fairly Valued.

Key valuation signals for BOM:511533:

  • Moat Score: 0
  • GF Value™: ₹35.87 vs. price of ₹39.26 (9.5% above fair value)
  • GF Score™: 62/100 with 7 warning signs

No single metric tells the full story. See the BOM:511533 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

Sahara Housingfina Business Description

Address 46, Dr. Sundari Mohan Avenue, 2nd Floor, Kolkata, WB, IND, 700014
Sahara Housingfina Corp Ltd is an Indian company engaged in carrying out activities of housing finance companies (Housing Loans and Non-Housing Loans). Its product portfolio includes Individual Housing Loans, Home Improvement Loans, Home Extension loans, Land Loans, Home Loan Plus, Mortgage Loans, Non-Residential Property Loans, Home Loan Enhancement, and Loan Take Over / Balance Transfer. The company is exclusively engaged in the Housing Finance business, and revenues are mainly derived from this activity. The company generates the majority of its revenue from Interest Income.
62GF Score

Get the complete analysis for BOM:511533

Moat Score is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

₹39.26
Price
₹35.87
GF Value