India Shelter Finance Corporation Ltd.
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ABOUT
AI Sector View
AI GENERATEDFinancial Services
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.
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
| Name | ||||||||||
|---|---|---|---|---|---|---|---|---|---|---|
| BAJAJHFL | 84.34 | 674.68 | 70274.91 | 0.00 | 715.28 | 22.63 | 3063.02 | 17.79 | 8.83 | 92.39 |
| PIRAMALFIN | 2286.40 | 32.07 | 54103.15 | 0.48 | 460.98 | — | 3368.27 | 33.52 | 7.74 | 64.47 |
| HUDCO | 174.05 | 8.19 | 34843.07 | 3.48 | 851.11 | 35.05 | 3717.17 | 27.10 | 8.41 | 97.08 |
| PNBHOUSING | 1182.05 | 13.32 | 30828.33 | 0.68 | 557.34 | 4.47 | 2263.44 | 9.02 | 9.41 | 91.52 |
| LICHSGFIN | 537.05 | 5.15 | 29541.13 | 1.86 | 1499.03 | 9.90 | 7082.59 | -1.16 | 8.59 | 97.06 |
| AADHARHFC | 462.05 | 17.75 | 20247.34 | 0.00 | 282.36 | 19.00 | 992.89 | 17.06 | 11.31 | 75.02 |
| SAMMAANCAP | 149.75 | 0.00 | 17439.24 | 0.00 | 243.30 | -27.22 | 1651.93 | -31.18 | -4.70 | 99.91 |
| HOMEFIRST | 1209.90 | 21.76 | 12650.65 | 0.43 | 1598.51 | 1244.52 | 5380.11 | 1086.05 | 11.13 | 77.98 |
| APTUS | 252.40 | 12.84 | 12640.96 | 1.78 | 260.94 | 19.01 | 600.29 | 15.38 | 15.45 | 81.94 |
| CANFINHOME | 781.85 | 9.22 | 10410.69 | 1.92 | 267.82 | 19.63 | 1096.15 | 7.43 | 9.14 | 91.29 |
| AAVAS | 1288.30 | 20.82 | 10215.49 | 0.00 | 142.48 | 12.34 | 546.02 | 21.42 | 9.97 | 74.58 |
| INDIASHLTR | 674.20 | 14.63 | 7360.06 | 1.48 | 137.59 | 27.24 | 408.23 | 24.73 | 12.96 | 73.07 |
Quarterly Results
Consolidated Figures in Rs. Crores / View Standalone
| Mar 2023 | Jun 2023 | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 170 | 182 | 204 | 209 | 235 | 252 | 283 | 304 | 327 | 361 | 369 | 390 | 408 | |
| 51 | 57 | 59 | 61 | 67 | 73 | 79 | 85 | 83 | 97 | 98 | 113 | 110 | |
| Operating Profit | 119 | 125 | 145 | 148 | 168 | 178 | 204 | 219 | 244 | 264 | 271 | 277 | 298 |
| 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 Income | 8 | 6 | 7 | 10 | 10 | 9 | 1 | 0 | 0 | 0 | 0 | 0 | 0 |
| Interest | 56 | 68 | 72 | 74 | 75 | 77 | 85 | 92 | 102 | 106 | 110 | 114 | 115 |
| Depreciation | 2 | 2 | 2 | 2 | 3 | 3 | 3 | 3 | 3 | 3 | 3 | 3 | 3 |
| 68 | 61 | 77 | 81 | 100 | 108 | 117 | 124 | 140 | 155 | 158 | 160 | 180 | |
| 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 Profit | 0 | 0 | 0 | 0 | 0 | 84 | 90 | 96 | 108 | 119 | 122 | 124 | 138 |
| 6 | 5 | 7 | 7 | 7 | 8 | 8 | 9 | 10 | 11 | 11 | 11 | 13 |
Profit & Loss
Consolidated Figures in Rs. Crores / View Standalone
| Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | TTM | |
|---|---|---|---|---|---|---|---|
| 317 | 448 | 585 | 830 | 1,166 | 1,528 | 1,528 | |
| 97 | 135 | 183 | 239 | 311 | 407 | 418 | |
| Operating Profit | 219 | 313 | 402 | 591 | 855 | 1,121 | 1,110 |
| OPM % | 69.24% | 69.90% | 68.73% | 71.23% | 73.32% | 73.36% | 72.64% |
| 6 | 12 | 22 | 32 | 10 | 0 | 0 | |
| Interest | 107 | 152 | 213 | 294 | 364 | 456 | 445 |
| Depreciation | 5 | 7 | 8 | 10 | 12 | 12 | 12 |
| Profit before Tax | 113 | 167 | 202 | 319 | 489 | 653 | 653 |
| Tax % | 22.64% | 23.04% | 23.08% | 22.43% | 22.76% | 22.98% | 22.98% |
| Net Profit | 87 | 128 | 155 | 248 | 378 | 503 | 503 |
| EPS | 9.93 | 14.63 | 34.93 | 23.13 | 35.02 | 46.26 | — |
| 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
| Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|---|---|---|
| Equity Capital | 43 | 44 | 44 | 54 | 54 | 54 |
| 889 | 1,024 | 1,180 | 2,229 | 2,629 | 3,103 | |
| 1,494 | 2,096 | 2,989 | 3,415 | 4,969 | 6,246 | |
| Trade Payables | 5 | 5 | 6 | 5 | 9 | 9 |
| 23 | 50 | 74 | 89 | 80 | 202 | |
| Total Liabilities | 2,453 | 3,218 | 4,293 | 5,791 | 7,741 | 9,614 |
| 15 | 17 | 24 | 30 | 29 | 29 | |
| 0 | 175 | 47 | 158 | 315 | 395 | |
| 0 | 0 | 0 | 0 | 0 | 5 | |
| Cash & Bank | 394 | 322 | 480 | 345 | 314 | 263 |
| 2,044 | 2,704 | 3,742 | 5,259 | 7,082 | 8,921 | |
| Total Assets | 2,453 | 3,218 | 4,293 | 5,791 | 7,741 | 9,614 |
Cash Flows
Consolidated Figures in Rs. Crores / View Standalone
| Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|---|---|---|
| -399 | -468 | -802 | -1,232 | -1,435 | -1,185 | |
| Cash from Investing | 77 | -186 | 162 | -236 | -61 | -105 |
| Cash from Financing | 560 | 592 | 907 | 1,220 | 1,566 | 1,238 |
| 216 | -89 | 217 | -249 | 70 | -53 |
Ratios
Consolidated Figures in Rs. Crores / View Standalone
| Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|---|---|---|
Documents
Corporate disclosures, annual reports, credit ratings, and concall transcripts
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 - India Shelter Finance Corporation Limited has informed the Exchange regarding Allotment of 2,00,604 Shares.
2026-08-14 - India Shelter Finance Corporation Limited has informed the Exchange about Transcript
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 - India Shelter Finance Corporation Limited has informed the Exchange about Link of Recording
2026-08-07 - India Shelter Finance Corporation Limited has informed the Exchange about Copy of Newspaper Publication
2026-08-06 - India Shelter Finance Corporation Limited has informed the Exchange about Investor Presentation
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 - India Shelter Finance Corporation Limited has submitted to the Exchange, the financial results for the period ended Jun 30, 2026.
News
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