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India Shelter Finance Corporation Ltd.

•
indiashelter.inBSE: 544044NSE: INDIASHLTR
Market Cap₹ 7,287 Cr.
Current Price
High / Low₹ 924 / 620
Stock P/E13.8
Book Value₹ 302
Price to Book2.58
Dividend Yield1.50 %
ROCE13.0 %
ROE17.3 %
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 42.0% 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 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.BAJAJHFL82.93663.4069100.050.00715.2822.633063.0217.798.8392.39
2.PIRAMALFIN2311.6532.4254700.640.48460.98—3368.2733.527.7464.47
3.HUDCO175.458.2535123.343.45851.1135.053717.1727.108.4197.08
4.LICHSGFIN556.605.3430616.511.801499.039.907082.59-1.168.5997.06
5.PNBHOUSING1142.9012.8829807.280.70557.344.472263.449.029.4191.52
6.AADHARHFC471.7018.1220670.210.00282.3619.00992.8917.0611.3175.02
7.SAMMAANCAP150.050.0017474.180.00243.30-27.221651.93-31.18-4.7099.91
8.APTUS258.2013.1312931.441.74260.9419.01600.2915.3815.4581.94
9.HOMEFIRST1202.8021.6312576.410.431598.511244.525380.111086.0511.1377.98
10.CANFINHOME787.559.2810486.591.90267.8219.631096.157.439.1491.29
11.AAVAS1292.9520.8910252.360.00142.4812.34546.0221.429.9774.58
12.INDIASHLTR667.5514.487287.461.50137.5927.24408.2324.7312.9673.07
Detailed Comparison with:

Quarterly Results

Standalone Figures in Rs. Crores / View Consolidated

Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026
182204209234251282304327361369390411432
57596167737985839798113110247
Operating Profit125144148168178203219244264271277301309
OPM %68.82%70.81%70.92%71.45%70.87%72.08%72.04%74.54%73.17%73.34%71.01%73.24%71.54%
Other Income671010910000000
Interest68727475778592102106110114115121
Depreciation2223333333333
61778199108117124139155158160182185
Tax %22.70%22.16%23.21%21.80%22.70%23.11%22.69%22.54%23.06%22.79%22.42%23.25%22.77%
Net Profit47606278839096108119122124140143
577788910111111131

Profit & Loss

Standalone Figures in Rs. Crores / View Consolidated

Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026TTM
901301722293174485848291,1641,5301,601
3858838497135183239311407568
Operating Profit5272891452193134015908541,1231,033
OPM %57.55%55.70%51.75%63.18%69.24%69.90%68.72%71.20%73.29%73.40%64.50%
400161222321000
Interest23394976107152213294364456459
Depreciation112657810121213
Profit before Tax32323864113167201318488655685
Tax %35.06%29.01%25.82%26.52%22.64%23.04%23.07%22.42%22.75%22.89%22.82%
Net Profit2122284787128155247377505529
EPS7.146.637.3110.8019.8629.2734.8723.0634.9546.44—
Dividend Payout %0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%14.31%21.53%—

COMPOUNDED SALES GROWTH

10 Years:
38%
5 Years:
37%
3 Years:
38%

COMPOUNDED PROFIT GROWTH

10 Years:
51%
5 Years:
42%
3 Years:
48%

STOCK PRICE CAGR

10 Years:
—
5 Years:
—
3 Years:
—
1 Year:
-24%

RETURN ON EQUITY

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

Balance Sheet

Standalone Figures in Rs. Crores / View Consolidated

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 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Equity Capital30364243434444545454
3215267488028891,0241,1802,2282,6273,103
2453715429351,4942,0962,9893,4154,9696,246
Trade Payables2244556599
151638482350748980202
Total Liabilities6149511,3741,8312,4533,2184,2925,7907,7399,614
35718151724302929
0418094017559170327395
0000000005
Cash & Bank7810280167394322467332311263
5338031,2081,5522,0442,7043,7425,2597,0718,921
Total Assets6149511,3741,8312,4533,2184,2925,7907,7399,614

Cash Flows

Standalone Figures in Rs. Crores / View Consolidated

Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
-113-207-326-274-399-468-803-1,233-1,436-1,183
Cash from Investing4-9526-15077-186161-233-61-107
Cash from Financing1832803443955605929071,2201,5661,238
64-4228-46216-89215-24770-52

Ratios

Standalone Figures in Rs. Crores / View Consolidated

Mar 2017Mar 2018Mar 2019Mar 2020Mar 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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