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India Shelter Finance Corporation Ltd.

•
indiashelter.inBSE: 544044NSE: INDIASHLTR
Market Cap₹ 7,118 Cr.
Current Price
High / Low₹ 924 / 620
Stock P/E14.1
Book Value₹ 289
Price to Book2.58
Dividend Yield1.53 %
ROCE13.0 %
ROE17.2 %
Face Value₹ 5

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ABOUT

AI Sector View

AI GENERATED

Financial Services

Buy

Financials remain one of the clearest macro beneficiaries. Loan growth was 18.3% (Aug/26) versus deposit growth 14.7% (Aug/26), SCB credit growth was 17.5% YoY (2026-07), UPI transactions rose 22.0% YoY (2026-07), and M3 money supply grew 15.0% YoY (2026-07). Sector flows have also turned meaningfully supportive, with INR 13171 crore net FPI inflow over 3 months to 2026-08-31 after INR -114652 crore in the prior 3 months.

Confidence
84%
View full sector analysis →

PROS

  • Company has delivered good profit growth of 41.9% CAGR over last 5 years
  • Comfortable capital adequacy - CAR of 56.4%
  • Solid return on assets for a lender - ROA of 5.8%
  • Asset quality is healthy - gross NPA of just 1.2%
  • Company has consistently been profitable over the last 5 years
  • Company has delivered good sales growth of 37.0% CAGR over last 5 years

CONS

  • Promoter holding has decreased over last 2 years: -2.2pp
  • Free cash flow has been persistently negative
  • Equity base is being diluted - shares outstanding up 24.3%
  • Thin net interest margin of 0.0%

* The pros and cons are machine generated based on quantitative rules.

Peer comparison

Financial ServicesFinanceFinance - Housing
Part ofNIFTY MICROCAP250NIFTY TOTAL MKT
S.No.Name
1.BAJAJHFL84.16673.2470124.930.00715.2822.633063.0217.798.8392.39
2.PIRAMALFIN2256.3031.6553390.900.49460.98—3368.2733.527.7464.47
3.HUDCO172.708.1234572.813.50851.1135.053717.1727.108.4197.08
4.LICHSGFIN562.555.3930943.791.781499.039.907082.59-1.168.5997.06
5.PNBHOUSING1175.0013.2430644.460.68557.344.472263.449.029.4191.52
6.AADHARHFC456.3517.5319997.560.00282.3619.00992.8917.0611.3175.02
7.SAMMAANCAP147.450.0017171.390.00243.30-27.221651.93-31.18-4.7099.91
8.APTUS249.3012.6812485.701.81260.9419.01600.2915.3815.4581.94
9.HOMEFIRST1184.6521.3112386.640.441598.511244.525380.111086.0511.1377.98
10.CANFINHOME781.059.2110400.041.92267.8219.631096.157.439.1491.29
11.AAVAS1275.1020.6110110.820.00142.4812.34546.0221.429.9774.58
12.INDIASHLTR652.0514.157118.251.53137.5927.24408.2324.7312.9673.07
Detailed Comparison with:

Quarterly Results

Consolidated Figures in Rs. Crores / View Standalone

Mar 2023Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026
170182204209235252283304327361369390408
5157596167737985839798113110
Operating Profit119125145148168178204219244264271277298
OPM %69.89%68.87%70.85%70.95%71.48%70.91%72.11%72.06%74.56%73.19%73.36%71.01%73.07%
Other Income867101091000000
Interest5668727475778592102106110114115
Depreciation2222333333333
68617781100108117124140155158160180
Tax %22.26%22.71%22.16%23.23%21.81%22.71%23.11%22.70%22.54%23.05%22.79%22.43%23.57%
Net Profit00000849096108119122124138
657778891011111113

Profit & Loss

Consolidated Figures in Rs. Crores / View Standalone

Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026TTM
3174485858301,1661,5281,528
97135183239311407418
Operating Profit2193134025918551,1211,110
OPM %69.24%69.90%68.73%71.23%73.32%73.36%72.64%
61222321000
Interest107152213294364456445
Depreciation57810121212
Profit before Tax113167202319489653653
Tax %22.64%23.04%23.08%22.43%22.76%22.98%22.98%
Net Profit87128155248378503503
EPS9.9314.6334.9323.1335.0246.26—
Dividend Payout %0.00%0.00%0.00%0.00%14.28%21.62%—

COMPOUNDED SALES GROWTH

10 Years:
—
5 Years:
37%
3 Years:
38%

COMPOUNDED PROFIT GROWTH

10 Years:
—
5 Years:
42%
3 Years:
48%

STOCK PRICE CAGR

10 Years:
—
5 Years:
—
3 Years:
—
1 Year:
-26%

RETURN ON EQUITY

10 Years:
—
5 Years:
15%
3 Years:
16%
Last Year:
17%

Balance Sheet

Consolidated Figures in Rs. Crores / View Standalone

Corporate actions

2026

Jun 19

₹ 2

Rs.10.0000 per share(200%)Final Dividend

2025

Jul 4

₹ 1

Rs.5.0000 per share(100%)Final Dividend

Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Equity Capital434444545454
8891,0241,1802,2292,6293,103
1,4942,0962,9893,4154,9696,246
Trade Payables556599
2350748980202
Total Liabilities2,4533,2184,2935,7917,7419,614
151724302929
017547158315395
000005
Cash & Bank394322480345314263
2,0442,7043,7425,2597,0828,921
Total Assets2,4533,2184,2935,7917,7419,614

Cash Flows

Consolidated Figures in Rs. Crores / View Standalone

Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
-399-468-802-1,232-1,435-1,185
Cash from Investing77-186162-236-61-105
Cash from Financing5605929071,2201,5661,238
216-89217-24970-53

Ratios

Consolidated Figures in Rs. Crores / View Standalone

Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026

Shareholding Pattern

Numbers in percentages

Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026
48.2248.1448.0047.9247.9047.7147.6047.5446.05
5.165.776.236.937.968.027.486.876.86
17.5321.8720.6618.5217.6721.0020.7221.3921.92
Government0.000.000.000.000.000.000.000.000.00
29.0924.2225.1026.6326.4623.2724.2024.2125.16

Documents

Corporate disclosures, annual reports, credit ratings, and concall transcripts

2026-09-08
Clarification - Financial Results

2026-09-08 - The Exchange has sought clarification from India Shelter Finance Corporation Limited for the quarter ended 30-Jun-2026 with respect to Regulation 33 of the SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015. On basis of above the Company is required to clarify the following: -1. Consolidated Financial Results not submitted The response of the Company is awaited.

2026-09-08
ESOP/ESOS/ESPS

2026-09-08 - India Shelter Finance Corporation Limited has informed the Exchange regarding Allotment of 2,00,604 Shares.

2026-08-14
Analysts/Institutional Investor Meet/Con. Call Updates

2026-08-14 - India Shelter Finance Corporation Limited has informed the Exchange about Transcript

2026-08-12
ESOP/ESOS/ESPS

2026-08-12 - India Shelter Finance Corporation Limited has informed the Exchange regarding Allotment of 112158 equity Shares under ESOP schemes of the company

2026-08-07
Analysts/Institutional Investor Meet/Con. Call Updates

2026-08-07 - India Shelter Finance Corporation Limited has informed the Exchange about Link of Recording

2026-08-07
Copy of Newspaper Publication

2026-08-07 - India Shelter Finance Corporation Limited has informed the Exchange about Copy of Newspaper Publication

2026-08-06
Investor Presentation

2026-08-06 - India Shelter Finance Corporation Limited has informed the Exchange about Investor Presentation

2026-08-06
Press Release

2026-08-06 - India Shelter Finance Corporation Limited has informed the Exchange regarding a press release dated August 06, 2026, titled "Unaudited Financial Results for the quarter ended June 30, 2026".

2026-08-06
Outcome of Board Meeting

2026-08-06 - India Shelter Finance Corporation Limited has submitted to the Exchange, the financial results for the period ended Jun 30, 2026.

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