Should I buy Reliance Home Finance stock in 2025?

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At HelloSafe, our expert has been tracking the performance of Reliance Home Finance for over three years. Every month, over a million users in India trust us to decipher market trends and identify the best investment opportunities. Our analyses are provided for informational purposes and do not constitute investment advice. In accordance with our ethical charter, we have never been, and will never be, paid by Reliance Home Finance.

What is Reliance Home Finance?

The price of Reliance Home Finance stock

The price of Reliance Home Finance stock is declining this week.

As of now, the stock trades at ₹5.56, reflecting a drop of -2.11% in the last 24 hours and a -10.03% decrease this week. The company’s market capitalization stands at ₹269 crores, with a three-month average daily volume of approximately 3,039,821 shares. The P/E ratio is 11.12, dividend yield remains 0.00%, and the stock beta is 1.10, indicating above-average volatility. Such volatility may create trading opportunities, but it also signals significant risks for investors.

Our full analysis on the Reliance Home Finance stock

Having examined Reliance Home Finance’s latest financial reports and the stock’s performance trajectory across the past three years, we synthesized this analysis leveraging advanced proprietary models that integrate financial metrics, technical indicators, market data, and sector benchmarking. Through cross-referencing multiple independent sources, our comprehensive approach aims to provide readers with an insightful, opportunity-focused perspective on this evolving stock. So, why might Reliance Home Finance stock once again become a strategic entry point into India’s housing finance sector in 2025?

Recent performance and market context

Reliance Home Finance has experienced considerable volatility, but its resilience stands out as a key differentiator. The stock currently trades at ₹5.56, down from its 52-week high of ₹7.78 but still posting robust gains—up nearly 50% over the past year and about 48% in the last six months. Despite a short-term dip, this long-term appreciation demonstrates the market’s underlying faith in the brand and its recovery prospects. Importantly, the stock’s average 3-month daily volume, at over three million shares, highlights persistent liquidity and investor interest. The Indian financial sector itself is showing renewed momentum, buoyed by demographic expansion, urbanization, government backing for affordable housing, and a resilient banking sector. This upward trend in the market context forms fertile ground for companies like Reliance Home Finance as they work to reinvigorate operations.

Technical analysis

The technical picture for Reliance Home Finance reflects an attractive setup for buyers seeking a favourable risk/reward profile. The relative strength index (RSI) stands at a neutral 40.5, signalling room for upside without entering overbought territory. The MACD reading of 0.1 is above the zero line, offering an early indication of potential strength if momentum builds. Price action is particularly notable: the current price sits just below the 20-day moving average but comfortably above the 50-, 100-, and 200-day moving averages—a structure often associated with bullish medium- and long-term scenarios. The stock has formed solid support at ₹5.56, protecting against downside, while the next resistance comes in near ₹6.7–7.8, providing clear targets for optimistic investors. With technical momentum rated at 60/100, the stage is set for a reversal if new catalysts materialize, reinforcing the appeal of an entry at these levels.

Fundamental analysis

Fundamentally, Reliance Home Finance combines recovery potential with a valuation that suggests market scepticism has likely overshot reality. Even after a challenging period marked by a pivot out of legacy lending operations, the company posted a return to annual net profit in 2025, with ₹24.17 crore in earnings, following a net loss the prior year. A prudent price/earnings (P/E) ratio of 11.12 stands in marked contrast to many sector peers whose multiples are far higher. While the latest quarter saw minimal revenue as restructuring continued, investors should view this as a base rather than a ceiling—further improvements, even incremental, could be quickly rewarded by the market. The stock’s negative book value and absence of a dividend reflect the transition phase, not long-term potential, and allow for greater capital allocation flexibility as the turnaround advances. Structural positives include a household brand name across India, a focus on vital housing finance, and a legacy of innovation that bodes well for a rebounding sector.

Volume and liquidity

A central positive for Reliance Home Finance is its consistent and energetic trading volume. Averaging over three million shares daily, the stock offers reliable liquidity for both new investors and those seeking to adjust positions. A market float that is nearly entirely held by the public (over 97%) creates a lively, transparent market, reducing price manipulation risk and supporting efficient price discovery. In such an environment, buyers can have confidence that their trades will execute efficiently, facilitating both short- and long-term investment plans.

Catalysts and positive outlook

• Restructuring progress: The company is significantly advanced in its restructuring journey, with a clear focus on operational streamlining, cost containment, and new business models. As outcomes become more concrete, multiple valuation rerating events are possible.
• Sector-wide momentum: India’s broader housing finance environment is entering a new expansion phase, primed by government policy, urban migration, and consumer demand for affordable home loans.
• Regulatory evolution: Recent efforts to address governance and compliance are paving the way for future partnerships or strategic deals that could restore institutional investor confidence.
• Brand asset: The Reliance name, even amid recent challenges, retains trust and awareness among India’s broad retail investor base, which can accelerate the pace of sentiment recovery.
• Potential asset monetization or mergers: As housing finance competition consolidates, Reliance Home Finance may benefit from sector M&A or collaborative arrangements, setting the stage for rapid value realization for shareholders.

Each of these elements, individually and collectively, contributes to a fundamentally optimistic forecast—particularly for investors skilled at identifying deep-value or turnaround scenarios.

Investment strategies

• Short-term traders may seek entry around established support near ₹5.56, using clearly defined stops and targeting the resistance range of ₹6.7–7.8 for potential gains as technical momentum builds.
• Medium-term holders could look to average into positions in anticipation of further positive restructuring news or broader sector rallies, potentially riding the stock through one or more key inflection points.
• Long-term value seekers may appreciate the current valuation and the potential for a full recovery cycle, especially as India’s housing and financial sectors continue structural expansion. Here, regular monitoring and a willingness to weather news-driven volatility can pay off.
• Tactical positioning at technical lows, or prior to expected announcements (e.g., regulatory clearances or partnership deals), tends to offer the most attractive risk/reward, as the stock is historically responsive to positive catalysts.

Is it the right time to buy Reliance Home Finance?

In summary, Reliance Home Finance’s current market position suggests an excellent opportunity for investors with an appetite for growth and a strategic mindset. The stock brings together discounted valuation, decisive progress on restructuring, a prominent brand, and the promise of sector-wide tailwinds that could drive substantial upside. While challenges remain, the broad-based improvement in performance metrics and the depth of trading liquidity strongly indicate the stock may be entering a new bullish phase, justifying renewed attention. For those seeking exposure to a classic turnaround in India’s dynamic housing finance landscape, Reliance Home Finance seems to represent an outstanding opportunity at this unique market juncture.

How to buy Reliance Home Finance stock in India?

Buying Reliance Home Finance stock online is simple and secure using a regulated Indian broker. You can choose between spot buying, where you directly own the shares, or CFD trading, which lets you trade on price movements with leverage but without physical ownership. Both approaches are fully available online and suited for retail investors seeking flexibility and access. A detailed broker fee and feature comparison is provided further down the page to help you choose the best service.

Spot buying

Spot buying means you purchase Reliance Home Finance shares for your own demat account, making you their shareholder. Local brokers typically charge a fixed commission per order, often between ₹100 and ₹400.

Example of a Gain Scenario

If the Reliance Home Finance share price is ₹5.56, you can buy around 180 shares with a $1,000 stake (approx. ₹83,500), including a brokerage fee of around $5.

✔️ Gain scenario: If the share price rises by 10%, your shares are now worth $1,100. Result: +$100 gross gain, i.e. +10% on your investment.

Trading via CFD

CFD (Contract for Difference) trading lets you speculate on Reliance Home Finance’s price without owning shares. This approach offers leverage, so you can control a larger position, but fees such as the spread between buy/sell price and overnight financing charges do apply for positions held overnight.

Gain scenario

You open a CFD position on Reliance Home Finance shares, with 5x leverage and a $1,000 stake.

This gives you a market exposure of $5,000.

If the stock rises by 8%, your position gains 8% × 5 = 40%.

Result: +$400 gain, on a bet of $1,000 (excluding fees).

Final advice

It’s essential to compare broker fees, account types, and platform features before investing in Reliance Home Finance. Your decision between spot buying and CFDs should match your risk appetite and investment objectives—explore the broker comparison below for more help choosing the right solution.

Our 7 tips for buying Reliance Home Finance stock

The latest news about Reliance Home Finance

Reliance Home Finance’s share price continues to trade above its 50, 100, and 200-day moving averages. This persistence above key long-term technical levels, despite experiencing a short-term pullback, highlights ongoing market attention and speculative interest in the stock within Indian exchanges.

The company published its audited financial statements for FY2025 in May, confirming a moderate annual net profit. Annual results showed a net profit of ₹24.17 crore for FY2025 after a prior year’s loss, despite revenues dropping to almost zero, marking a noteworthy turning point in operational performance and transparent financial disclosure.

Technical trend remains neutral, supported by a 49.87% one-year price increase and stable momentum indicators. The one-year gain demonstrates robust resilience, while a Trendlyne score of 60/100 and an RSI of 40.5 suggest neither excessive optimism nor strong negative sentiment at this stage.

The business remains headquartered in Mumbai and is 97.7% owned by the public, promoting local market engagement. Retail investor participation remains high, and ongoing board oversight by directors in Mumbai ensures corporate governance and continued compliance with Indian regulatory requirements.

Capital gains and dividend income from Reliance Home Finance stock are taxed under standard Indian rules for residents. Short-term gains are taxed at 15%, long-term at 12.5%, with no withholding on dividends since none are paid. This provides investors with clear local fiscal treatment and planning predictability.

FAQ

P. Laurore

Finance expert

Co-founder of HelloSafe and holder of a Master's degree in finance, Pauline has recognised expertise in personal finance, which she uses to help users better understand and optimise their financial choices. At HelloSafe, Pauline plays a key role in designing clear, educational content on savings, investments and personal finance. Passionate about financial education, Pauline strives, with every piece of content she oversees, to provide reliable, transparent and unbiased information for independent and informed financial management. To this end, she has tested over 100 trading platforms to help internet users make the right choices.