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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.
India Home LoanBOM:530979 -1.63%61 Net Current Asset Value is ₹27.17 as of Mar. 2026, which is 100% below its 10-year median of 1.47. GuruFocus rates BOM:530979 with a GF Score™ of 61/100 and a GF Value™ of ₹35.34 (Modestly Undervalued). The stock has 5 warning signs investors should review. Among 19 Banks companies, India Home Loan ranks better than 52.63% on this metric.
In calculating the Net Current Asset Value (NCAV), Benjamin Graham means a company's current assets (such as cash, marketable securities, and inventories) minus its total liabilities (including preferred stock, minority interest, and long-term debt).
India Home Loan's net current asset value per share for the quarter that ended in Mar. 2026 was ₹27.17.
The historical rank and industry rank for India Home Loan's Net Current Asset Value or its related term are showing as below:
BOM:530979'
s Price-to-Net-Current-Asset-Value Range Over the Past 10 Years
Min: 0.97 Med: 1.47 Max: 6.37
Current: 1.11
During the past 13 years, the highest Price-to-Net-Current-Asset-Value Ratio of India Home Loan was 6.37. The lowest was 0.97. And the median was 1.47.
BOM:530979's Price-to-Net-Current-Asset-Value is ranked better than 52.63% of 19
companies
in the Banks industry
Industry Median: 1.18
vs BOM:530979: 1.11
India Home Loan (BOM:530979) Net Current Asset Value Explanation
Benjamin Graham first discussed net current asset value (NCAV) in the 1934 edition of "Security Analysis", which he coauthored with David Dodd. In the book, (net) current asset value is defined as:" current assets alone, minus all liabilities and claims ahead of the issue."
The common definition of NCAV is: NCAV = current assets – [total liabilities + minority interest + preferred stock]
Net current assets exclude not only the intangible assets but also the fixed and miscellaneous assets. In addition, Graham believed that preferred stock belongs on the liability side of the balance sheet, not as part of capital and surplus. In "Security Analysis", preferred stock is dubbed "an imperfect creditorship position" that is best placed on the balance sheet alongside funded debt.
One research study, covering the years 1970 through 1983 showed that portfolios picked at the beginning of each year, and held for one year, returned 29.4 percent, on average, over the 13-year period, compared to 11.5 percent for the S&P 500 Index. Other studies of Grahams strategy produced similar results.
Benjamin Graham looked for companies whose market values were less than two-thirds of their Net-Net Working Capital. They are collected under our Net-Net screener.
India Home Loan Net Current Asset Value Related Terms
India Home Loan Net Current Asset Value Historical Data
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The historical data trend for India Home Loan's Net Current Asset Value 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: Net Current Asset Value Comparison
For the Mortgage Finance subindustry, India Home Loan's Price-to-Net-Current-Asset-Value, along with its competitors' market caps and Price-to-Net-Current-Asset-Value 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 Price-to-Net-Current-Asset-Value vs Banks Industry
For the Banks industry and Financial Services sector, India Home Loan's Price-to-Net-Current-Asset-Value distribution charts can be found below:
* The bar in red indicates where India Home Loan's Price-to-Net-Current-Asset-Value falls into.
* 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.
What does a Net Current Asset Value of ₹27.17 mean?
India Home Loan (BOM:530979) has a Net Current Asset Value of ₹27.17 as of Mar. 2026. Ben Graham's net current asset value equals the per-share value of total current assets less total liabilities. View historical data on India Home Loan and its competitors. This is 1748% above median its historical median of 1.47. Over the past decade, India Home Loan's Net Current Asset Value has ranged from 0.97 to 6.37. According to the industry distribution chart, India Home Loan ranks #9 out of 19 companies in the Banks industry, placing it in the top 47.4%.
Is India Home Loan's Net Current Asset Value too high?
India Home Loan's current Net Current Asset Value of ₹27.17 is 1748% above median its 10-year median of 1.47. Over the past 10 years, this metric has ranged from a low of 0.97 to a high of 6.37. Based on the distribution chart, India Home Loan ranks #9 out of 19 companies in the Banks industry, which is above the industry midpoint. Overall, India Home Loan has a GF Score™ of 61/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does India Home Loan's Net Current Asset Value compare to RKT and FNMA?
According to the Banks industry distribution chart, India Home Loan ranks #9 out of 19 companies for Net Current Asset Value. This puts India Home Loan in the upper half of its industry. The industry median Net Current Asset Value is 1.18. Historically, India Home Loan's own Net Current Asset Value has ranged from 0.97 to 6.37 over the past decade. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Net Current Asset Value for a Banks company?
The median Net Current Asset Value among Banks companies is 1.18, based on 19 companies in the industry. Companies in the top quartile (top 25%) have a Net Current Asset Value significantly above this median, while those in the bottom quartile fall well below. However, Net Current Asset Value should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Net Current Asset Value mean?
A high Net Current Asset Value can signal that a stock is expensive relative to its fundamentals. Ben Graham's net current asset value equals the per-share value of total current assets less total liabilities. View historical data on India Home Loan and its competitors. For the Banks industry, the median Net Current Asset Value is 1.18 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. India Home Loan's current Net Current Asset Value is ₹27.17, which is 1748% above median its own 10-year median of 1.47. 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 ₹35.34, compared to a current price of ₹30.25 — trading 14.4% below its estimated fair value. The current Net Current Asset Value is ₹27.17, which is 1748% above median its 10-year median of 1.47. India Home Loan's overall GF Score™ is 61/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Net Current Asset Value calculated?
Net Current Asset Value is calculated from a company's financial statements. For India Home Loan (BOM:530979), the current Net Current Asset Value is ₹27.17 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 ₹30.25 is trading 14.4% below its estimated GF Value™ of ₹35.34.
GuruFocus considers India Home Loan to be Modestly Undervalued.
Key valuation signals for BOM:530979:
Net Current Asset Value: ₹27.17 (1748% above median its 10-year median of 1.47)
GF Value™: ₹35.34 vs. price of ₹30.25 (14.4% 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.
61GF Score
Get the complete analysis for BOM:530979
Net Current Asset Value is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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