Tokyo Stock Exchange · Financial Services
Invest in ARUHI stock from India
Indian and foreign residents can buy ARUHI (7198) shares directly through Paasa.
By Paasa · Updated
ARUHI at a glance
- Price
- ¥842.00+¥2.00 (0.24%)
- Market cap
- ¥37.43B
- Day range
- ¥838.00 – ¥842.00
- P/E
- 19.27
- Dividend yield
- 4.75%
- Volume
- 79.00K
- 1 month
- -0.59%
- 6 months
- -2.43%
- YTD
- -6.03%
- 1 year
- -0.12%
- 5 years
- -36.55%
ARUHI statements, FY2021–FY2025
| Fiscal year | 2025 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|
| Revenue | ¥25.1B | ¥0.0 | ¥20.4B | ¥0.0 | ¥0.0 |
| Gross profit | ¥16.1B | −¥4.6B | ¥15.8B | −¥3.6B | −¥3.5B |
| Operating income | ¥2.8B | ¥2.4B | ¥2.8B | ¥4.1B | ¥6.2B |
| Net income | ¥1.8B | ¥1.9B | ¥1.5B | ¥2.8B | ¥4.2B |
| Earnings per share | ¥40.59 | ¥42.97 | ¥39.36 | ¥79.64 | ¥119.78 |
| EBITDA | ¥4.6B | ¥8.6B | ¥4.4B | ¥9.2B | ¥11.2B |
| Total assets | ¥229.4B | ¥205.7B | ¥191.4B | ¥148.6B | ¥150.7B |
| Total debt | ¥132.2B | ¥179.9B | ¥151.1B | ¥102.2B | ¥95.3B |
| Cash and short-term investments | ¥23.9B | ¥20.1B | ¥20.4B | ¥17.2B | ¥22.2B |
| Shareholders' equity | ¥42.1B | ¥42.0B | ¥42.0B | ¥32.8B | ¥31.9B |
| Operating cash flow | −¥14.8B | −¥5.4B | −¥3.4B | ¥1.5B | ¥3.7B |
| Free cash flow | ¥0.0 | −¥10.4B | −¥4.1B | ¥875.0M | ¥3.2B |
| Capital expenditure | ¥14.8B | ¥5.4B | −¥663.0M | −¥620.0M | −¥522.0M |
Fiscal years as reported, the latest ending 31 Mar 2026. Figures in JPY; a dash means the provider reported nothing for that line.
Peer comparison
| Company | Ticker | Price | Market cap |
|---|---|---|---|
| Kita-Nippon Bank | 8551.T | ¥9,060.00 | ¥74.23B |
| SBI Insurance | 7326.T | ¥2,300.00 | ¥57.09B |
| Towa Bank | 8558.T | ¥1,585.00 | ¥56.17B |
| Mito Securities | 8622.T | ¥920.00 | ¥55.42B |
| Aizawa Securities | 8708.T | ¥1,756.00 | ¥54.74B |
| FIDEA | 8713.T | ¥2,871.00 | ¥51.85B |
| Toyo Securities | 8614.T | ¥706.00 | ¥47.95B |
| HS | 8699.T | ¥1,129.00 | ¥33.98B |
Peers as grouped by the data provider. This is not an investment recommendation.
How to invest in ARUHI from India
Step 1
Open your Paasa account
KYC takes a few minutes: PAN, Aadhaar and address proof. Your brokerage account is opened in your own name with Interactive Brokers.
Step 2
Add funds from your Indian bank account
Remit up to $250,000 a year under the RBI's Liberalised Remittance Scheme. Your bank converts the rupees to US dollars at its rate on the day you remit, and Interactive Brokers converts the dollars to JPY when you buy.
Step 3
Search 7198 and buy
Find ARUHI by name or by its ticker, 7198, and place your order. The Tokyo Stock Exchange typically trades in units of 100 shares.
Why invest in ARUHI from India
What ARUHI does
ARUHI Corporation, established in Tokyo, Japan in 2000, primarily functions as a specialized mortgage lender. Its core activities involve the origination and intermediation of home loans. ARUHI operates in the Financial - Mortgages industry within the Financial Services sector.
Paasa handles the paperwork
Investing abroad brings paperwork with it: remittance filings, capital gains reporting, foreign asset disclosure. Paasa prepares all of it for you. Your India-ready tax reports arrive at year end, ready to file.
Here's what inheritance rules in Japan mean for your ARUHI shares.
Japan levies inheritance tax on Japan-located assets such as direct stocks, with an exemption of ¥30 million plus ¥6 million per statutory heir.
Frequently asked questions
Can I buy ARUHI stock from India?
Yes. Indian residents and NRIs can buy ARUHI (7198) shares directly through Paasa. ARUHI is listed on the Tokyo Stock Exchange, in the Financial - Mortgages industry. Your money leaves India under the RBI's Liberalised Remittance Scheme and the shares are held in your own name at Interactive Brokers.
Do I need to buy a full ARUHI share?
Usually more than one, and not a fraction: the Tokyo Stock Exchange typically trades in units of 100 shares. At ¥842.00 a share, size the order by the lot, not by the share.
How are ARUHI dividends taxed for Indian investors?
Japan withholds a preferential 10% on dividends for Indian residents under the India–Japan DTAA rather than the higher domestic rate, and the tax withheld can be claimed as a foreign tax credit in India. Dividends are taxed at your slab rate in India. ARUHI’s current yield is 4.75%. Paasa's dividend report lists the gross dividend and any tax withheld for each payment, which is what you need when you file.
What tax do I pay in India when I sell ARUHI shares?
Japan generally does not levy capital gains tax on non-resident individual investors. In India, gains on shares held for more than 24 months are long-term and taxed at 12.5%, and gains on shares held for 24 months or less are short-term and taxed at your income-tax slab rate. Both are worked out in rupees at the JPY/INR rate on the day you bought and the day you sold, so the currency move is part of the gain. Paasa's capital-gains statement gives you the figures for your return.
What happens to my ARUHI shares if I pass away?
Japan levies inheritance tax on Japan-located assets such as direct stocks, with an exemption of ¥30 million plus ¥6 million per statutory heir. The rule looks at everything you hold there, not at ARUHI alone.