Good evening :)

List of Top Housing Finance Stocks in India (2025)

The Indian housing finance market stands at about ₹33 tn and is projected to reach ₹77–81 tn by 2029–30. It is expected to grow at around 15–16% CAGR, supported by strong structural drivers and policy support. Housing Finance Companies maintain a steady market share, with notable growth and better asset quality in recent years.

Top Housing Finance Stocks in 2025

Home Financing Stock Screener

Home Financing Stock Screener: Analyse & Filter Indian Stocks on Tickertape

Created by

@tickertapetickertape

Showing 1 - 13 of 13 results

last updated at 6:30 AM IST 
NameStocks (13)↓↓Sub-SectorSub-Sector↓↓Market CapMarket Cap↓↓Close PriceClose Price↓↓PE RatioPE Ratio↓↓1D Return1D Return↓↓1M Return1M Return↓↓6M Return6M Return↓↓1Y Return1Y Return↓↓PB RatioPB Ratio↓↓Return on EquityReturn on Equity↓↓ROCEROCE↓↓Dividend YieldDiv Yield↓↓Debt to EquityDebt to Equity↓↓Volatility vs NiftyVolatility vs Nifty↓
1.LIC Housing Finance LtdLICHSGFINHome FinancingHome Financing30,220.4630,220.46546.95546.955.555.55-0.45-0.45-4.93-4.93-9.35-9.35-14.30-14.300.830.8316.0516.052.512.511.821.827.457.452.082.08
2.PNB Housing Finance LtdPNBHOUSINGHome FinancingHome Financing22,873.9522,873.95882.25882.2511.8111.810.480.48-6.20-6.20-16.53-16.53-3.50-3.501.361.3612.1612.163.283.280.570.573.703.702.892.89
3.Aptus Value Housing Finance India LtdAPTUSHome FinancingHome Financing13,817.4413,817.44283.95283.9518.3918.392.902.90-9.12-9.12-7.72-7.72-12.06-12.063.203.2018.5818.588.778.771.631.631.591.592.402.40
4.Sammaan Capital LtdSAMMAANCAPHome FinancingHome Financing12,469.4412,469.44149.69149.69-6.90-6.90-2.46-2.46-19.21-19.2121.2121.21-10.25-10.250.570.57-8.69-8.69-3.89-3.891.301.301.961.963.873.87
5.Can Fin Homes LtdCANFINHOMEHome FinancingHome Financing11,854.7111,854.71892.75892.7513.8313.830.280.283.223.2214.1014.105.765.762.342.3418.2218.223.273.271.351.356.926.922.182.18
6.Aavas Financiers LtdAAVASHome FinancingHome Financing11,605.3411,605.341,482.101,482.1020.2120.211.121.12-11.36-11.36-17.78-17.78-10.70-10.702.662.6614.1214.123.993.99--3.193.192.432.43
7.Home First Finance Company India LtdHOMEFIRSTHome FinancingHome Financing11,331.7911,331.791,084.901,084.9029.6629.66-0.53-0.53-12.57-12.57-13.51-13.512.492.494.494.4916.4616.464.154.150.290.293.793.793.093.09
8.India Shelter Finance Corporation LtdINDIASHLTRHome FinancingHome Financing9,373.019,373.01853.35853.3524.8124.81-1.13-1.13-2.67-2.67-1.07-1.0729.5529.553.463.4615.0915.096.416.410.580.581.831.832.362.36
9.GIC Housing Finance LtdGICHSGFINHome FinancingHome Financing893.28893.28166.55166.555.575.570.400.40-4.56-4.56-12.43-12.43-25.96-25.960.450.458.468.462.072.072.712.714.454.452.112.11
10.Piramal Finance LtdPIRAMALFINHome FinancingHome Financing524.08524.081,500.801,500.809.999.99-0.80-0.8020.0720.0713.4413.4413.4413.440.030.030.330.330.080.08--3.353.354.024.02
11.Reliance Home Finance LtdRHFLHome FinancingHome Financing150.85150.853.133.136.246.240.640.64-9.86-9.86-46.22-46.2220.8520.85-2.04-2.04--183.13183.13----4.374.37
12.India Home Loan LtdINDIAHOMEHome FinancingHome Financing53.2353.2337.4037.40190.10190.100.350.35-4.04-4.045.685.687.727.721.281.280.680.680.390.39--1.201.203.503.50
13.Sahara Housingfina Corporation LtdSAHARAHOUSHome FinancingHome Financing29.8129.8144.7044.7045.8645.864.984.98-20.16-20.168.978.975.355.350.570.571.251.251.081.08--0.430.434.354.35
Edit Filters

Analyse Housing finance stocks further

Visit 'Housing Finance Stocks' ScreenerScreener

Disclaimer: Please note that the above table is for informational purposes only, and is not recommendatory. Please do your own research or consult your financial advisor before investing. The data is derived from Tickertape Stock Screener and is subject to real-time updates.

Selection criteria: Sub-sector: Home Financing | Market Cap: Sorted from Highest to Lowest

How to Invest in Housing Finance Stocks?

Investing in housing finance stocks in India using Tickertape is a straightforward process. Tickertape is a powerful stock analysis and screening tool that helps you make informed investment decisions. Here’s how you can use Tickertape to invest in housing finance stocks in India:

  1. Sign Up and Log In: You can create an account on the Tickertape or log in if you already have one.
  2. Search for “Home Financing”: Go to Tickertape Stock Screener and set the “Sub-sector: Home Financing ” filter
  3. Use Filters: You can apply over 200 filters to get stocks sorted based on criteria like market cap, P/E ratio, or returns. You can create your own custom filter, in case your preferred parameters are not available. This can help you narrow down the top housing finance shares in India.
  4. Analyse Stock Data: Tickertape provides comprehensive data on each stock, including financials, performance metrics, future projections, red flags, and more. You can review this data to assess each company’s health and potential in depth.
  5. Add to Watchlist: You may keep track of potential investments by adding them to your watchlist.
  6. Invest Through Your Broker: Once you’ve decided on a stock, you can place a buy order through your brokerage account linked to Tickertape.

You can stay updated with each of your favourite stocks’ alerts and announcements with Tickertape Alerts. Further, you can analyse your overall portfolio and potential red flags in it by connecting it to Tickertape. Check out detailed analysis of your portfolio now!

Overview of Top Housing Finance Stocks in India

LIC Housing Finance Ltd

Founded in 1989, LIC Housing Finance provides home loans across India and is one of the country’s largest housing finance institutions. It serves salaried and self-employed borrowers through an extensive branch network.

PNB Housing Finance Ltd

Founded in 1988, PNB Housing Finance offers retail and corporate housing loan products across major Indian cities. Its portfolio includes home loans, loan against property, and construction finance.

Sammaan Capital Ltd

Founded in 2005, Sammaan Capital operates as an NBFC offering credit solutions to small and medium borrowers. It focuses on providing financial access to underserved customer groups.

Aptus Value Housing Finance India Ltd

Founded in 2009, Aptus Value Housing Finance provides affordable home loans in semi-urban and rural markets. It primarily serves self-employed customers with limited income documentation.

Aavas Financiers Ltd

Founded in 2011, Aavas Financiers specialises in affordable housing loans with a strong presence in tier-II and tier-III locations. It focuses heavily on personalised loan assessments for borrowers with informal incomes.

What are Housing Finance Stocks?

Housing finance stocks in India are shares of companies that provide home loans. These companies offer money to people for buying, building, or renovating houses. Their business depends on how many people take home loans, interest-rate trends, and the overall health of the real estate market.

Advantages of Investing in Housing Finance Stocks

Stable Demand Link

Housing finance companies operate in a segment where demand tends to stay steady. Home loans form a major part of India’s retail credit market, and rising urbanisation, household formation, and property purchases usually keep loan requirements active over time.

Predictable Revenue Structure

These companies earn most of their income from interest on loans, which can create a stable and predictable revenue stream. A large and diversified loan book also helps smooth out fluctuations and supports consistent business activity.

Policy Support

Government schemes that focus on affordable housing and urban development often support the overall ecosystem. Budget measures or interest-rate changes can also influence housing demand, which indirectly benefits housing finance players.

Focused Business Models

Many housing finance companies specialise in particular customer segments such as affordable housing, informal-income borrowers, or regional markets. This focused approach helps them build deeper reach, stronger customer relationships, and sustained loan growth.

Real-Estate Linkage

Activity in the residential real estate market plays an important role in this sector. New launches, rising home-buying interest, and stable property prices tend to support loan disbursals, which help housing finance companies maintain momentum.

Risks of Investing in Housing Finance Stocks

Interest Rate Sensitivity

Housing finance companies depend heavily on borrowing and lending rates. When interest rates rise, their funding becomes costlier, and loan demand may slow. This may negatively impact the home finance share price

Credit Risk

Home loans can face repayment delays when borrowers experience financial stress. Economic slowdowns, job losses, or regional disruptions may increase default risk, affecting asset quality and provisioning requirements.

Regulatory Changes

Housing finance companies operate under strict rules set by the Reserve Bank of India and other authorities. Any changes in regulations, capital requirements, or lending norms can influence how these companies operate.

Competition from Banks

Banks often compete directly with housing finance companies and may offer lower interest rates due to cheaper funding. This competition can impact pricing power, customer acquisition, and loan growth.

Install the Tickertape app and enjoy a more hands-on investing experience
  • portfolio-iconReceive real-time market alerts for timely decisions
  • portfolio-iconMonitor your portfolio from the palm of your hands
  • portfolio-iconWatchlist stocks and mutual funds to stay updated
Download Now

Factors to Consider Before Investing in Housing Finance Stocks

Loan Growth Trend

Housing finance companies depend on steady loan disbursals. Slower growth in home loans, weaker demand in key regions, or concentration in a single customer segment can influence long-term performance.

Cost of Funds

These companies borrow money to lend it forward. If their funding cost rises due to market conditions or weaker credit ratings, it can reduce margins. Comparing the cost of funds across peers helps show how competitive a company is.

Interest-Rate Environment

Movements in interest rates affect both demand for home loans and the company’s borrowing cost. Rising rates can slow demand, while falling rates may improve activity. Understanding the rate cycle helps frame expectations.

Exposure to Real-Estate Cycles

Since the business depends on property buying trends, any slowdown in residential sales, delays in projects, or weak launches can impact loan originations and repayments.

Asset Quality

Checking how well a company manages its loan book is important. Indicators like GNPA and NNPA show how many borrowers are struggling to repay. Consistently high stress levels in the portfolio can affect stability.

Conclusion

Housing finance stocks sit in a sector closely linked to India’s home-loan demand and real-estate activity. They benefit from steady housing needs, supportive government policies, and predictable interest-based income. At the same time, they face risks from changing interest rates, borrower repayment challenges, regulatory shifts, and competition from banks. A balanced view of benefits, risks, and key considerations allows investors to assess the space more confidently and stay focused on the fundamentals driving this segment.

Popular Stock Collections

Popular Mutual Fund Collections

Frequently Asked Questions on Housing Finance Stocks

  1. What are housing finance stocks?

    Housing finance stocks are shares of companies that provide home loans for buying, building, or renovating houses. These companies earn mainly through interest income and operate within India’s housing and real-estate ecosystem.

  2. How to invest in housing finance stocks?

    Here’s how you can invest in the housing finance share-
    1. Go to the Tickertape Stock Screener
    2. Select the 'Home Financing’ sub-category.
    3. From this sector, analyse and sort the housing stocks using over 200+ filters, including valuation ratios, financials, technical indicators, and more, based on your investment thesis.
    4. Review the filtered list, and identify the housing finance share that best aligns with your risk appetite, return expectations, and investment goals.
    5. Once you've shortlisted the stocks, click ‘Place Order’ to invest in your preferred housing finance stocks.

    Disclaimer: Please do your own research or consult your financial advisor before investing.

  3. What are some of the top housing finance stocks?

    As of 11th November 2025, some of the top housing finance stocks in India, as per market cap, include:
    1. LIC Housing Finance Ltd
    2. PNB Housing Finance Ltd
    3. Sammaan Capital Ltd
    4. Aptus Value Housing Finance India Ltd
    5. Aavas Financiers Ltd

    Disclaimer: This information is for educational purposes only and should not be considered investment advice.

  4. What are the factors affecting housing share prices?

    The home finance share price is influenced by interest-rate movements, home-loan demand, borrower repayment trends, funding costs, regulatory changes, and the overall real-estate environment.

  5. What is the future projection of housing stocks?

    The future outlook depends on housing demand, economic conditions, interest rates, and policy support. Research reports indicate steady structural demand for home loans, although performance can vary with market and economic shifts.

    Disclaimer: Please note that this is not a recommendation. Please do your own research or consult your financial advisor before investing.

  6. Are housing finance stocks a good investment for the long term?

    Whether housing stocks suit long-term investing depends on personal goals and risk tolerance. The sector is linked to real-estate cycles, interest rates, and borrower behaviour, so results can differ over time.

    Disclaimer: Please note that this is not a recommendation. Please do your own research or consult your financial advisor before investing.

  7. Do housing finance stocks offer regular dividends?

    Dividend payouts vary from company to company. Some housing finance companies distribute dividends based on their profits and policies, while others choose to reinvest earnings to support growth.

    Disclaimer: Please note that this is not a recommendation. Please do your own research or consult your financial advisor before investing.

  8. What are the benefits of investing in housing finance stocks?

    Investing in housing finance stocks offers several benefits, such as exposure to the growing real estate and housing market. Additionally, government initiatives aimed at affordable housing and low interest rates may further support the sector’s growth.

    Disclaimer: Please note that this is not a recommendation. Please do your own research or consult your financial advisor before investing.

Disclaimer: This article is for informational purposes only. The content of the article including securities/investment products mentioned if any, should not in any manner be construed as an investment advice, recommendation, offer, solicitation to buy/hold/sell any securities/investment products. The securities quoted if any, are for illustration only and are not recommendatory. Investment in securities market are subject to market risks. Read all the related documents carefully before investing. Please consult a SEBI-registered financial advisor before investing.