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.
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 Loan's yield on cost for the quarter that ended in Jun. 2026 was 0.00.
The historical rank and industry rank for India Home Loan's 5-Year Yield-on-Cost % or its related term are showing as below:
During the past 13 years, India Home Loan's highest Yield on Cost was 0.65. The lowest was 0.00. And the median was 0.30.
BOM:530979's 5-Year Yield-on-Cost % is not ranked *
in the Banks industry.
Industry Median: 3.82 * Ranked among companies with meaningful 5-Year Yield-on-Cost % only.
India Home Loan (BOM:530979) 5-Year Yield-on-Cost % Explanation
Of course the risk here is that the company may not raise its dividends as it did before. The key is to select the companies that can consistently raise its dividends. Usually companies with long history of raising dividends tend to do so.
India Home Loan 5-Year Yield-on-Cost % Related Terms
BOM:530979 vs RKT, FNMA, PFSI: 5-Year Yield-on-Cost % Comparison
For the Mortgage Finance subindustry, India Home Loan's 5-Year Yield-on-Cost %, along with its competitors' market caps and 5-Year Yield-on-Cost % 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 5-Year Yield-on-Cost % vs Banks Industry
For the Banks industry and Financial Services sector, India Home Loan's 5-Year Yield-on-Cost % distribution charts can be found below:
* The bar in red indicates where India Home Loan's 5-Year Yield-on-Cost % falls into.
India Home Loan 5-Year Yield-on-Cost % Calculation
Dividend Yield % and dividend growth of a stock is an important factor for income investors. But if company A raises its dividend constantly faster than company B, company A's future dividend yield might be much higher than Company B's even if their yields are the same now and their stock prices do not change.
Yield on Cost assumes that you buy and the stock today, and hold it for 5 years. If the company raises it dividends at the same rate as it did over the past 5 years, the dividends investors receive annually in 5 years relative to the stock price today.
Therefore, Yield-on-Cost of India Home Loan is calculated as
India Home Loan (BOM:530979) has a 5-Year Yield-on-Cost % of 0.00 as of Sep. 21, 2026. 5-Year Yield on Cost measures the expected yield based on a company's current yield and 5-year dividend growth. View historical data on India Home Loan and its competitors. According to the industry distribution chart, India Home Loan ranks #999999 out of 1240 companies in the Banks industry.
Is India Home Loan's 5-Year Yield-on-Cost % too high?
India Home Loan's current 5-Year Yield-on-Cost % is 0.00. Based on the distribution chart, India Home Loan ranks #999999 out of 1240 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, India Home Loan has a GF Score™ of 54/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does India Home Loan's 5-Year Yield-on-Cost % compare to RKT and FNMA?
According to the Banks industry distribution chart, India Home Loan ranks #999999 out of 1240 companies for 5-Year Yield-on-Cost %. This places India Home Loan in the lower half of its industry. The industry median 5-Year Yield-on-Cost % is 3.82. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good 5-Year Yield-on-Cost % for a Banks company?
The median 5-Year Yield-on-Cost % among Banks companies is 3.82, based on 1,240 companies in the industry. Companies in the top quartile (top 25%) have a 5-Year Yield-on-Cost % significantly above this median, while those in the bottom quartile fall well below. However, 5-Year Yield-on-Cost % 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 5-Year Yield-on-Cost % mean?
A high 5-Year Yield-on-Cost % can signal that a stock is expensive relative to its fundamentals. 5-Year Yield on Cost measures the expected yield based on a company's current yield and 5-year dividend growth. View historical data on India Home Loan and its competitors. For the Banks industry, the median 5-Year Yield-on-Cost % is 3.82 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. India Home Loan's current 5-Year Yield-on-Cost % is 0.00. 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 Fairly Valued. The stock's GF Value™ is ₹30.68, compared to a current price of ₹32.20 — trading 5% above its estimated fair value. The current 5-Year Yield-on-Cost % is 0.00. India Home Loan's overall GF Score™ is 54/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is 5-Year Yield-on-Cost % calculated?
5-Year Yield-on-Cost % is calculated from a company's financial statements. For India Home Loan (BOM:530979), the current 5-Year Yield-on-Cost % is 0.00 as of Sep. 21, 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 overvalued.
The current stock price of ₹32.20 is trading 5% above its estimated GF Value™ of ₹30.68.
GuruFocus considers India Home Loan to be Fairly Valued.
Key valuation signals for BOM:530979:
5-Year Yield-on-Cost %: 0.00
GF Value™: ₹30.68 vs. price of ₹32.20 (5% above 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.
54GF Score
Get the complete analysis for BOM:530979
5-Year Yield-on-Cost % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
BOM:530979 has been successfully added to your 
