India Home Loan (BOM:530979) ROCE %: 0.11% (As of Mar. 2026)

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BOM:530979 India Home Loan Ltd BOM:530979
59 GF Score
Price ₹30.50
GF Value ₹35.40
Valuation Modestly Undervalued
! 5 Warning Signs
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What is India Home Loan ROCE %?

India Home Loan BOM:530979 +1.63% 59 ROCE % is 0.11% as of Mar. 2026. 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.

ROCE % measures how well a company generates profits from its capital. It is calculated as EBIT divided by Capital Employed, where Capital Employed is calculated as Total Assets minus Total Current Liabilities. India Home Loan's annualized ROCE % for the quarter that ended in Mar. 2026 was 0.11%.

India Home Loan  (BOM:530979) ROCE % Explanation

ROCE % can be especially useful when comparing the performance of capital-intensive companies. Unlike ROE %, which indicates the profitability of Shareholders Equity, ROCE % also considers long-term debt in Capital Employed. This can be helpful when analyzing companies with significant debt, as the result is neutralized by taking debt into consideration.

Generally speaking, a higher ROCE % indicates a stonger profitability for a company. Moreover, it is important to look at the ratio from a long term perspective. Investors tend to favor companies with stable and rising ROCE % trend over those with volatile ones.

India Home Loan ROCE % Related Terms

India Home Loan ROCE % Historical Data

* Premium members only.

The historical data trend for India Home Loan's ROCE % 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.

India Home Loan ROCE % Chart

India Home Loan Annual Data
Trend Mar17 Mar18 Mar19 Mar20 Mar21 Mar22 Mar23 Mar24 Mar25 Mar26
ROCE %
Get a 7-Day Free Trial Premium Member Only Premium Member Only 4.13 1.48 -3.48 0.26 0.16

India Home Loan Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
ROCE % Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 0.31 0.19 0.21 0.14 0.11
BOM:530979
59GF Score
India Home Loan Ltd BOM:530979
ROCE % is just one metric. See GF Score™, valuation, warning signs, and more.
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India Home Loan ROCE % Calculation

India Home Loan's annualized ROCE % for the fiscal year that ended in Mar. 2026 is calculated as:

ROCE %=EBIT/( (Capital Employed+Capital Employed)/ count )
(A: Mar. 2026 )  (A: Mar. 2025 )(A: Mar. 2026 )
=EBIT/( ( (Total Assets - Total Current Liabilities)+(Total Assets - Total Current Liabilities) )/ count )
(A: Mar. 2026 )  (A: Mar. 2025 )(A: Mar. 2026 )
=1.576/( ( (996.27 - 12.598) + (972.982 - 12.411) )/ 2 )
=1.576/( (983.672+960.571)/ 2 )
=1.576/972.1215
=0.16 %

India Home Loan's ROCE % of for the quarter that ended in Mar. 2026 is calculated as:

ROCE %=EBIT (1)/( (Capital Employed+Capital Employed)/ count )
(Q: Mar. 2026 )  (Q: Dec. 2025 )(Q: Mar. 2026 )
=EBIT/( ( (Total Assets - Total Current Liabilities)+(Total Assets - Total Current Liabilities) )/ count )
(Q: Mar. 2026 )  (Q: Dec. 2025 )(Q: Mar. 2026 )
=1.052/( ( (0 - 0) + (972.982 - 12.411) )/ 1 )
=1.052/( ( 0 + 960.571 )/ 1 )
=1.052/960.571
=0.11 %

(1) Note: The EBIT data used here is four times the quarterly (Mar. 2026) EBIT 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.

Frequently Asked Questions Learn more about ROCE % →
What does a ROCE % of 0.11% mean?
India Home Loan (BOM:530979) has a ROCE % of 0.11% as of Mar. 2026.
Is India Home Loan's ROCE % too high?
India Home Loan's current ROCE % is 0.11%. The Banks industry median ROCE % is 3.22. India Home Loan's value of 0.11% is 96.6% below this industry median. 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 ROCE % compare to RKT and FNMA?
India Home Loan's ROCE % of 0.11% can be compared against companies in the Banks industry. The industry median ROCE % is 3.22. India Home Loan's value of 0.11% is 96.6% below this benchmark. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good ROCE % for a Banks company?
The median ROCE % among Banks companies is 3.22, based on 47 companies in the industry. Companies in the top quartile (top 25%) have a ROCE % significantly above this median, while those in the bottom quartile fall well below. However, ROCE % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. India Home Loan's current ROCE % of 0.11% is 96.6% 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 ROCE % mean?
A high ROCE % can signal that a stock is expensive relative to its fundamentals. For the Banks industry, the median ROCE % is 3.22 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. India Home Loan's current ROCE % is 0.11%. 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 ROCE % is 0.11% and 96.6% below the Banks industry median of 3.22. 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 ROCE % calculated?
ROCE % is calculated from a company's financial statements. For India Home Loan (BOM:530979), the current ROCE % is 0.11% 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:

  • ROCE %: 0.11%
  • GF Value™: ₹35.40 vs. price of ₹30.50 (13.8% below fair value)
  • GF Score™: 59/100 with 5 warning signs
  • Industry Position: 96.6% below the Banks median

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 Business Description

Address Jatashankar Dossa Road, 504/504A, 5th Floor, Nirmal Ecstasy, 5th Floor, Mulund (West), Mumbai, MH, IND, 400080
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

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

₹30.50
Price
₹35.40
GF Value