Who are the promoters of SBI Home Finance?

SBI Home Finance Limited was promoted by State Bank of India (SBI), India's largest public sector bank. SBI is the principal shareholder and promoter of the company.

Is SBI Home Finance still operational?

SBI Home Finance Limited appears to be dormant or wound down. State Bank of India provides home loans directly through its banking channels under the 'SBI Home Loans' brand, which has made this subsidiary operationally redundant. The company has no active website and trades at very low unlisted prices of around ₹55 per share, reflecting its dormant status.

How do I buy SBI Home Finance Limited unlisted shares here?

Raise an enquiry on any company with the quantity you want. Our desk sources the shares and comes back with a firm price and allocation. You accept the allocation, transfer the funds to the desk's published bank account, and once we verify payment the shares are transferred into your demat.

Who am I actually transacting with?

You transact with the desk, not with an anonymous counterparty. When you buy, you buy from the desk; when you sell, you sell to the desk. Shares always route through the desk's own demat account, so there's one accountable party for the whole trade.

How do I pay, and is there a payment gateway?

Payment is by direct bank transfer to Prospire Network Private Limited's published account (CIN U82300UP2025PTC233622), shown to you in-app at the payment step. There is no card gateway and no escrow. Never pay to a personal account or to any account shared over phone, WhatsApp or email — even if the person claims to be from our team.

How long does settlement take?

After you accept an allocation, you have a short window to pay (typically 2 days). Once payment is verified, shares are usually credited to your demat within 2–3 business days, subject to depository timelines and any company-level restrictions. Timeframes are typical, not guaranteed.

There are no separate platform fee lines and no GST on the transfer — the desk's margin is built into the buy/sell price you're quoted. The only statutory add-on on a purchase is stamp duty on the consideration, shown transparently in your cost breakdown.

Is there a minimum ticket size for SBI Home Finance Limited?

Minimums vary by company and depend on the lot the desk can source. Raise an enquiry and the desk will confirm the available quantity and the minimum for that name.

What KYC do I need, and do I need a demat account?

You'll share your demat details when you enquire so we can settle directly. Full KYC — PAN and a client-master / demat statement — is required before the transfer step, when shares actually change hands. Yes, you need an active demat account to hold unlisted shares.

Are there lock-ins on unlisted or pre-IPO shares?

Some shares carry statutory or company-imposed lock-ins — for example, a post-listing lock-in on pre-IPO stock — and transfers can be subject to the company's articles or approvals. Where a lock-in applies, we'll flag it before you commit.

How do I sell SBI Home Finance Limited shares I already hold?

Raise a sell enquiry with the company, quantity and your target price. The desk confirms a buying price, you transfer your shares into the desk's demat, and once the credit is verified we pay you out by bank transfer to your registered account. The desk never pays out before your shares are received.

Unlisted shares are illiquid, may be hard or impossible to sell, and are not covered by exchange settlement guarantees or investor-protection funds. Pricing is indicative, not live. Read the full Risk Disclosure before you enquire, and invest only what you can afford to lock away.

SBI Home Finance Limited Unlisted Share Price | Buy SBI Home Finance Limited Pre-IPO Shares — wisefolio

Unlisted shares are illiquid and carry higher risk than listed securities. Prices are indicative, not live. Read the risk disclosure.

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SBI Home Finance Limited Unlisted Share Price | Buy SBI Home Finance Limited Pre-IPO Shares — wisefolio | wisefolio

Investment Thesis

SBI Home Finance Limited is a legacy housing finance company promoted by SBI that appears to be dormant or wound down. With SBI providing home loans directly through its banking channels, this subsidiary lost its business rationale. The unlisted share price of ~₹55 reflects its dormant status, and investors should exercise extreme caution as the company has no meaningful business activity.

Pros

Promoted by State Bank of India — India's largest public sector bank — providing strong institutional credibility and financial backing
CIN indicates West Bengal incorporation (WB), suggesting early focus on eastern India housing finance market

Cons

Company appears to be operationally wound down or dormant; SBI chose to provide home loans directly through its banking channels rather than through this subsidiary, significantly limiting the business case for this entity
No active website or operational presence found, indicating the company is likely a shell or dormant entity with minimal business activity
Extremely low unlisted share price of ₹55 reflects the dormant/wound-down nature of the business with minimal intrinsic value
As a non-operational housing finance company, there is no meaningful revenue, profit, or AUM to evaluate

Business Segments

Housing Finance (Historical)

Previously provided home loans to retail borrowers; currently appears dormant

Revenue Model

SBI Home Finance was originally a housing finance company earning net interest margin (NIM) on home loan disbursements. However, the company appears to be non-operational currently, with SBI providing home loans directly through its banking network.

Detailed Analysis

Growth outlookExpansion plans, industry tailwinds & headwinds6

Growth Plans

Potential merger with or absorption by SBI or another SBI group entity

Possible use as a vehicle for SBI's affordable housing finance initiatives

Industry Tailwinds

Potential merger with or absorption by SBI or another SBI group entity

Possible use as a vehicle for SBI's affordable housing finance initiatives

Comparable Companies

CompanyTypeTickerMkt Cap

SBI (Housing Loan Division)SBI directly handles home loans after SBI Home Finance was wound downSuccessor——

SBI (Housing Loan Division)Successor

SBI directly handles home loans after SBI Home Finance was wound down

Frequently Asked Questions

SBI Home Finance Limited was a housing finance company incorporated in 1987 in West Bengal and promoted by State Bank of India. It was established to provide home loans to retail borrowers. However, SBI subsequently decided to offer home loans directly through its banking operations (SBI Home Loans), rendering this subsidiary largely redundant. The company appears to be dormant or in the process of being wound down.

About SBI Home Finance Limited

SBI Home Finance Limited was a housing finance company promoted by State Bank of India. The company was established to provide home loans but was eventually wound down as SBI decided to provide home loans directly through its own branches rather than through a separate subsidiary. The company's operations ceased in the early 2000s. It went through dissolution/liquidation proceedings. As of 2024, the company is no longer an active entity. It should not be confused with SBI's current housing loan operations which are conducted directly by SBI or its associate SBICAPS.

Key Milestones

Incorporated in 1987 in West Bengal as a housing finance company

Promoted by State Bank of India to provide dedicated home loan products

SBI launched its own direct home loan product (SBI Home Loans) making this subsidiary redundant

Common questions about unlisted shares

How do I buy SBI Home Finance Limited unlisted shares here?
Raise an enquiry on any company with the quantity you want. Our desk sources the shares and comes back with a firm price and allocation. You accept the allocation, transfer the funds to the desk's published bank account, and once we verify payment the shares are transferred into your demat.
Who am I actually transacting with?
You transact with the desk, not with an anonymous counterparty. When you buy, you buy from the desk; when you sell, you sell to the desk. Shares always route through the desk's own demat account, so there's one accountable party for the whole trade.
How do I pay, and is there a payment gateway?

SBI Home Finance Limited

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