Top Housing Finance Companies Stocks in India (2026)
Housing finance stocks refer to shares of financial companies that provide home loans to individuals and businesses. The rising demand for housing and government initiatives promoting home ownership have prompted heavy interest from investors in the real estate sector lately.
Top Housing Finance Stocks
Friday, 31 July, 2026
| symbol | Company | ticker | slug | Sector | Market Price | 52W High | 52W Low | Market Cap (Cr.) | PE Ratio | Industry PE | PB Ratio | Div. Yield (%) | ROE (%) | 1YReturns | 3YReturns | 5YReturns | Market Cap Label | Industry Group | Industry | Sub Industry | percentageChange |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| APTU | Aptus Value Housing Finance India Ltd | APTUS | /stocks/aptus-value-housing-finance-india-APTU | Home Financing | 277.20 | 364.00 | 193.03 | 13,881.97 | 14.72 | 16.47 | 2.74 | 1.62 | 20.11 | -17.22 | -2.05 | -20.09 | Smallcap | Financial Services | Thrifts & Mortgage Finance | Commercial & Residential Mortgage Finance | 3.34 |
| AVAS | Aavas Financiers Ltd | AAVAS | /stocks/aavas-financiers-AVAS | Home Financing | 1,362.60 | 1,787.90 | 1,060.40 | 10,804.06 | 16.50 | 16.47 | 2.48 | 0.00 | 14.12 | -22.54 | -12.02 | -45.97 | Smallcap | Financial Services | Thrifts & Mortgage Finance | Commercial & Residential Mortgage Finance | 0.14 |
| CNFH | Can Fin Homes Ltd | CANFINHOME | /stocks/can-fin-homes-CNFH | Home Financing | 816.30 | 971.50 | 708.60 | 10,869.41 | 10.01 | 16.47 | 1.82 | 1.84 | 19.66 | 10.45 | 8.64 | 51.22 | Smallcap | Financial Services | Thrifts & Mortgage Finance | Commercial & Residential Mortgage Finance | 0.27 |
| GICH | GIC Housing Finance Ltd | GICHSGFIN | /stocks/gic-housing-finance-GICH | Home Financing | 147.79 | 189.79 | 130.05 | 795.86 | 5.14 | 16.47 | 0.38 | 3.04 | 7.61 | -21.81 | -26.22 | -14.45 | Smallcap | Financial Services | Thrifts & Mortgage Finance | Commercial & Residential Mortgage Finance | 0.12 |
| HOM | Home First Finance Company India Ltd | HOMEFIRST | /stocks/home-first-finance-company-india-HOM | Home Financing | 1,188.20 | 1,375.00 | 893.70 | 12,420.70 | 22.99 | 16.47 | 2.85 | 0.44 | 15.71 | -6.15 | 36.56 | 97.98 | Smallcap | Financial Services | Thrifts & Mortgage Finance | Commercial & Residential Mortgage Finance | -0.02 |
| INBF | Sammaan Capital Ltd | SAMMAANCAP | /stocks/indiabulls-housing-finance-INBF | Home Financing | 160.00 | 192.95 | 114.10 | 18,330.78 | -2.57 | 16.47 | 0.84 | 0.00 | -8.69 | 29.16 | 24.86 | -34.83 | Smallcap | Financial Services | Thrifts & Mortgage Finance | Commercial & Residential Mortgage Finance | 1.63 |
| INDIS | India Shelter Finance Corporation Ltd | INDIASHLTR | /stocks/india-shelter-finance-corporation-INDIS | Home Financing | 719.30 | 975.00 | 653.20 | 7,829.91 | 15.56 | 16.47 | 2.45 | 1.39 | 17.04 | -21.79 | 32.05 | 32.05 | Smallcap | Financial Services | Thrifts & Mortgage Finance | Commercial & Residential Mortgage Finance | 0.63 |
| LICH | LIC Housing Finance Ltd | LICHSGFIN | /stocks/lic-housing-finance-LICH | Home Financing | 540.90 | 600.30 | 458.90 | 29,752.91 | 5.31 | 16.47 | 0.82 | 1.85 | 16.05 | -8.33 | 29.59 | 31.78 | Smallcap | Financial Services | Thrifts & Mortgage Finance | Commercial & Residential Mortgage Finance | -2.11 |
| PIF | Grand Oak Canyons Distillery Ltd | GRANDOAK | /stocks/pacheli-industrial-finance-PIF | Specialized Finance | 33.67 | 66.29 | 18.55 | 1,834.77 | 20,386.36 | 16.47 | 2.16 | 0.00 | -1.17 | 70.05 | 326.20 | 177.12 | Smallcap | Commercial & Professional Services | Diversified Financial Services | Research & Consulting Services | 1.84 |
| PNBH | PNB Housing Finance Ltd | PNBHOUSING | /stocks/pnb-housing-finance-PNBH | Home Financing | 1,033.10 | 1,132.70 | 729.60 | 26,921.54 | 11.75 | 16.47 | 1.40 | 0.77 | 12.70 | 4.69 | 62.74 | 85.98 | Smallcap | Financial Services | Thrifts & Mortgage Finance | Commercial & Residential Mortgage Finance | 1.87 |
Note: The data in the above table is dynamic in nature and subject to real-time changes. This data is derived from Tickertape Stock Screener.
Selection criteria: ‘Sub-sector‘: Home Financing | ‘Market Cap‘: Sorted from Highest to Lowest
Explore screensAbout Housing Finance Sector
The housing finance sector in India includes banks, non-banking financial companies (NBFCs), and housing finance companies (HFCs) that provide home loans, loan refinancing, and other mortgage-related services. Rising urbanisation, higher disposable incomes, and government initiatives such as the Pradhan Mantri Awas Yojana (PMAY) and PMAY-Urban 2.0 continue to drive demand for housing finance. Strong growth in the residential real estate market and improving access to affordable housing have also supported the sector. As of 2026, the India housing finance market is expected to record a CAGR of 24.1% from 2024 to 2033.
What Are Housing Finance Stocks?
Housing finance stocks refer to the shares of companies providing home loans and mortgage-related financial services. These listed companies offer affordable loans to meet the growing housing demand, thus, the sector is becoming more competitive.
About the Top Housing Finance Companies in India
- India Shelter Finance Corporation Ltd: India Shelter Finance Corporation Ltd focuses on providing home loans to middle and lower-income households in Tier-II and Tier-III cities.
- Aavas Financiers Ltd: Aavas Financiers Ltd specialises in affordable housing loans for self-employed and low-income customers in semi-urban and rural India.
- Can Fin Homes Ltd: Can Fin Homes Ltd, promoted by Canara Bank, offers housing and mortgage loans primarily to salaried and middle-income groups.
- GIC Housing Finance Ltd: GIC Housing Finance Ltd, promoted by General Insurance Corporation of India, provides home loans and loan-against-property facilities.
- Aptus Value Housing Finance India Ltd: Aptus Value Housing Finance India Ltd caters to self-employed individuals in low- and middle-income segments, particularly across South India.
How to Invest in Housing Finance Stocks?
Here is how you can invest in the best housing finance stocks:
- Open a demat/trading/stockbroker account. You can open a demat account with smallcase!
- Conduct thorough research into the top housing finance stocks in India using Tickertape Stocks Screener. The screener offers over 200 built-in filters, allowing investors to select parameters and generate a list of housing finance stocks.
- Place a ‘Buy’ Order on the top housing finance stocks that align with your investment thesis.
Features of Housing Finance Stocks
- Exposure to India’s Housing Market: Housing finance companies provide home loans, loans against property and construction finance. Housing demand and real estate activity directly influence their business performance.
- Regulated Business Model: The National Housing Bank and the Reserve Bank of India regulate housing finance companies in India. Prudential norms guide their lending practices and capital adequacy.
- Retail-Focused Loan Portfolio: Most listed housing finance companies earn a large share of their loan book from individual home loans. Some companies also finance affordable housing, self-employed borrowers and developers.
- Long-Term Growth Opportunity: India’s housing finance market continues to grow. Urbanisation, rising incomes, government housing initiatives and higher demand for residential properties support this growth.
Advantages of Investing in Housing Finance Stocks
- Growing Housing Credit: Housing loans remain one of India’s largest retail credit segments. Outstanding individual housing loans have continued to grow, supported by increasing home ownership and rising demand across urban and semi-urban markets.
- Government Support: Initiatives such as PMAY, affordable housing programmes, and infrastructure development continue to support long-term growth in the housing finance sector.
- Stable Retail Lending: Housing finance companies generally have diversified retail loan portfolios with long repayment tenures, creating recurring interest income over time.
- Expansion Beyond Metro Cities: Housing finance companies continue to expand into Tier II and Tier III cities, where rising incomes and improving access to formal credit are supporting loan growth.
Risks Associated with Investing in Housing Finance Stocks
- Interest Rate Risk: Changes in policy rates can influence borrowing costs, lending spreads, and demand for home loans.
- Credit Risk: Delays or defaults in loan repayments may affect asset quality, profitability, and capital requirements.
- Real Estate Slowdown: A slowdown in residential property sales or construction activity can reduce demand for housing loans and impact business growth.
- Regulatory Changes: Changes in lending regulations, capital adequacy norms, provisioning requirements, or housing policies can influence the financial performance of housing finance companies.
Factors to Consider Before Investing in Housing Finance Stocks
- Business Operations: Housing finance companies operate across home loans, affordable housing finance, loans against property, and developer financing. Their business mix provides information about revenue sources and lending exposure.
- Financial Metrics: Financial indicators such as Assets Under Management (AUM), Net Interest Margin (NIM), Gross and Net Non-Performing Assets (GNPA/NNPA), return on equity (ROE), capital adequacy ratio (CAR), and operating cash flow are commonly used to assess financial performance.
- Asset Quality: Loan repayment trends, provisioning levels, credit costs, and non-performing assets provide information about the quality of a company’s loan portfolio.
- Funding Structure: Housing finance companies rely on sources such as bank borrowings, bonds, and other market instruments. The cost of funds and liability profile can influence lending operations and profitability.
- Industry Environment: Housing finance companies are influenced by interest rates, housing demand, real estate activity, regulatory changes, government housing initiatives, and broader economic conditions.
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To Wrap It Up
Driven by increasing homeownership demand, regulatory support, and economic growth, increased participation was witnessed in housing finance stocks. However, concerns like interest rate fluctuations, economic downturn and asset quality can significantly influence the prices of housing finance stocks. Therefore, investors must thoroughly research and consider various factors before investing in the best housing finance stocks.
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Frequently Asked Questions About Housing Finance Stocks
1. What are the best housing finance stocks in India?
Here’s a list of housing finance stocks based on market capitalisation:
- India Shelter Finance Corporation Ltd
- Aavas Financiers Ltd
- Can Fin Homes Ltd
- GIC Housing Finance Ltd
- Aptus Value Housing Finance India Ltd
Disclaimer: This list was updated on 29th June, 2026. The data provided is for educational purposes and is not reccomendatory.
2. How do I invest in housing finance companies stocks?
Investors can buy housing finance companies stocks through smallcase. Stock screening and research platforms like the Tickertape Stock Screener, can also be used to compare companies in the private home loan finance company list before investing.
Disclaimer: This information is for educational purposes only and does not constitute investment advice.
3. What factors impact housing finance companies share price?
The share prices of housing finance stocks are influenced by factors such as interest rate movements, asset quality, loan growth, funding costs, regulatory changes, economic conditions, and overall market sentiment.
4. What role do government policies play in housing finance investments?
Government initiatives such as affordable housing schemes, tax benefits, interest subsidies, and regulations related to NBFC home loan providers can influence housing demand, loan growth, and business performance.
5. Can housing finance stocks benefit from falling interest rates?
Lower interest rates may reduce borrowing costs and support home loan demand, which can influence the performance of companies among the top 10 housing finance companies in India. However, the actual impact depends on multiple company-specific and market factors.
Disclaimer: This information is for educational purposes only. Changes in interest rates do not guarantee stock performance or investment returns.
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