India Shelter Finance Corporation Ltd
INDIASHLTR NSE
India Shelter Finance Corporation Ltd
Financial ServicesNSE: INDIASHLTR BSE: 544044 Housing Finance
Key Fundamentals
MicrocapHousing FinanceFinancial ServicesMarket Cap
₹7,158 Cr
Volatility
Moderate
P/E Ratio
14.2
EBITDA
₹1,111 Cr
Return on Equity
15.73%
Debt to Equity
1.9
Book Value
₹293.44
EPS
₹26.49
52W High
₹968.75
52W Low
₹640
Insights
BetaAI-extracted from concalls & annual reports · figures as reported, with sources
Log in to view India Shelter Finance Corporation Ltd insights
29 extracted metrics + investor summaries across FY21–FY26.
Tapetide Score
Data-driven rating, 0–100. How it works →
Technical Indicators
Key Insights
Strengths
1- Company has delivered good profit growth of 41.9% CAGR over last 5 years
Weaknesses
1- Promoter holding has decreased over last quarter: -1.48%
Growth Rate
Revenue Growth
29.99% ↗
Net Income Growth
33.13% ↗
Cash Flow Change
17.41% ↗
ROE
12.76% ↗
ROCE
6.42% ↘
EBITDA Margin (Avg.)
-0.15% ↘
AI News Digest
anthropic 
claude-opus-4.6 51d ago Positives 2
- ₹30K Cr AUM target by 2030 Jun 23
India Shelter outlined a growth roadmap targeting ₹30,000 crore gross AUM by 2030, with 25–30% annual loan growth, ~18% ROE, and credit costs of 40–50 bps.
- ₹10 per share final dividend Jun 12
Board declared a final dividend of ₹10 per share for FY26 with record date of June 19, 2026.
Neutral 4
- Promoters reclassified to public Jun 25
Shareholders approved reclassification of promoters to public category with 99.9997% votes in favour.
- AGM scheduled for July 16 Jun 22
28th AGM set for July 16, 2026 via video conferencing; Board recommended ₹10 final dividend for FY26.
- FY26 annual report dispatched Jun 22
Company dispatched web-link for FY26 Annual Report to members under SEBI Regulation 30.
- BRSR filed for FY26 Jun 22
Filed Business Responsibility and Sustainability Report for FY26 highlighting ESG initiatives including climate change and financial inclusion.
TL;DR: India Shelter Finance shows no visible headwinds and is projecting confident growth with a ₹30,000 crore AUM target by 2030 backed by 25–30% loan CAGR and disciplined credit costs. The ₹10 dividend signals healthy profitability. Promoter reclassification is a governance event worth monitoring but passed with near-unanimous approval. The trend is constructive, with the key watch being execution against ambitious growth targets while maintaining asset quality.
Quarterly Results
| 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 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 170 | 182 | 204 | 209 | 235 | 252 | 283 | 304 | 327 | 361 | 369 | 390 | 408 |
| Expenses | 51 | 57 | 59 | 61 | 67 | 73 | 79 | 85 | 83 | 97 | 98 | 113 | 110 |
| Financing Profit | 63 | 57 | 73 | 74 | 93 | 102 | 119 | 127 | 142 | 158 | 161 | 163 | 183 |
| Fin. Margin % | 37% | 31% | 36% | 35% | 40% | 40% | 42% | 42% | 44% | 44% | 44% | 42% | 45% |
| 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 |
| PBT | 68 | 61 | 77 | 81 | 100 | 108 | 117 | 124 | 140 | 155 | 158 | 160 | 180 |
| Tax % | 22% | 23% | 22% | 23% | 22% | 23% | 23% | 23% | 23% | 23% | 23% | 22% | 24% |
| Net Profit | 53 | 47 | 60 | 62 | 78 | 84 | 90 | 96 | 108 | 119 | 122 | 124 | 138 |
| EPS in Rs | 12.1 | 10.73 | 6.69 | 5.82 | 7.28 | 7.79 | 8.39 | 8.92 | 10.02 | 11.07 | 11.26 | 11.42 | 12.65 |
| Gross NPA % | 1.13% | 1.09% | — | 1.2% | 0.97% | 1.14% | 1.24% | 1.25% | 0.99% | 1.24% | 1.25% | 1.54% | 1.25% |
| Net NPA % | 0.85% | 0.8% | — | 0.9% | 0.73% | 0.86% | 0.94% | 0.94% | 0.75% | 0.95% | 0.94% | 1.16% | 0.93% |
Profit & Loss
| Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|---|---|---|
| Revenue | 317 | 448 | 585 | 830 | 1,166 | 1,529 |
| Expenses | 99 | 138 | 185 | 243 | 319 | 417 |
| Financing Profit | 112 | 162 | 189 | 298 | 491 | 666 |
| Fin. Margin % | 35% | 36% | 32% | 36% | 42% | 44% |
| Other Income | 6 | 12 | 21 | 32 | 10 | 0 |
| Interest | 106 | 149 | 211 | 289 | 356 | 446 |
| Depreciation | 5 | 7 | 8 | 10 | 12 | 12 |
| PBT | 113 | 167 | 202 | 319 | 489 | 653 |
| Tax % | 23% | 23% | 23% | 22% | 23% | 23% |
| Net Profit | 87 | 128 | 155 | 248 | 378 | 503 |
| EPS in Rs | 20.33 | 29.39 | 35.41 | 23.13 | 35.02 | 46.26 |
| Div. Payout % | 0% | 0% | 0% | 0% | 14% | 22% |
Balance Sheet
| Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|---|---|---|
| Equity Capital | 43 | 44 | 44 | 54 | 54 | 54 |
| Reserves | 894 | 1,032 | 1,197 | 2,245 | 2,655 | 3,144 |
| Borrowing | 1,491 | 2,070 | 2,989 | 3,415 | 4,969 | 6,246 |
| Other Liabilities | 34 | 75 | 66 | 80 | 70 | 171 |
| Total Liabilities | 2,463 | 3,221 | 4,296 | 5,794 | 7,748 | 9,615 |
| Fixed Assets | 15 | 17 | 24 | 30 | 29 | 29 |
| CWIP | 0 | 0 | 0 | 0 | 0 | 0 |
| Investments | 0 | 175 | 47 | 158 | 315 | 395 |
| Other Assets | 2,448 | 3,029 | 4,224 | 5,607 | 7,403 | 9,191 |
| Total Assets | 2,463 | 3,221 | 4,296 | 5,794 | 7,748 | 9,615 |
Cash Flow
| Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|---|---|---|
| Operating | -421 | -495 | -852 | -1,232 | -1,435 | -1,185 |
| Investing | 77 | -186 | 162 | -236 | -61 | -105 |
| Financing | 560 | 592 | 907 | 1,220 | 1,566 | 1,238 |
| Net Cash Flow | 216 | -89 | 217 | -249 | 70 | -53 |
| Free Cash Flow | -423 | -500 | -858 | -1,238 | -1,443 | -1,196 |
| CFO/OP | -183 | -151 | -201 | -197 | -157 | -95 |
Ratios
| Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|---|---|---|
| ROE % | 9% | 13% | 13% | 14% | 15% | 17% |
Documents
1
Announcement under Regulation 30 (LODR)-Newspaper Publication
4 May - Of newspaper publication of financial results- March 31, 2026 4 May - Of newspaper publication of financial results- March 31, 2026
2
Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - Outcome
4 May - Audio recording of FY26 audited results earnings call shared on May 4, 2026. 4 May - Audio recording of FY26 audited results earnings call shared on May 4, 2026.
3
Announcement under Regulation 30 (LODR)-Press Release / Media Release
2 May - India Shelter Finance reported Q4FY26/FY26 results; PAT rose 33% to Rs. 503 crore, dividend Rs. 10/share recommended. 2 May - India Shelter Finance reported Q4FY26/FY26 results; PAT rose 33% to Rs. 503 crore, dividend Rs. 10/share recommended.
4
Announcement under Regulation 30 (LODR)-Investor Presentation
2 May - Investor Presentation on the Audited Financial Results for the Quarter and Financial Year ended March 31, 2026 2 May - Investor Presentation on the Audited Financial Results for the Quarter and Financial Year ended March 31, 2026
Frequently Asked Questions about India Shelter Finance Corporation Ltd
What does India Shelter Finance Corporation Ltd do?
Incorporated in 1998, India Shelter Finance Corporation Limited is engaged in the business of housing finance. [1]
Where is India Shelter Finance Corporation Ltd (INDIASHLTR) listed?
India Shelter Finance Corporation Ltd is listed on the Indian stock exchanges. It is listed on NSE: INDIASHLTR and BSE: 544044. You can view its live share price, financials, and ratios on Tapetide.
Which sector does India Shelter Finance Corporation Ltd belong to?
India Shelter Finance Corporation Ltd operates in the Financial Services sector within the Housing Finance industry. Sector classification helps investors compare companies affected by similar economic conditions and regulatory changes.
What is the market capitalisation of India Shelter Finance Corporation Ltd?
India Shelter Finance Corporation Ltd has a market capitalisation of approximately ₹7158.06 Cr. Based on this, it is classified as a Mid Cap stock.
What is the PE ratio of India Shelter Finance Corporation Ltd?
The Price-to-Earnings (PE) ratio of India Shelter Finance Corporation Ltd is 14.20. The PE ratio compares a company's share price to its earnings per share and is commonly used to assess whether a stock is overvalued or undervalued relative to its peers.
What is the 52-week high and low of India Shelter Finance Corporation Ltd?
Over the past 52 weeks, India Shelter Finance Corporation Ltd has traded between a low of ₹640 and a high of ₹968.75. This range helps investors understand the stock's price volatility and recent trading levels.
Does India Shelter Finance Corporation Ltd pay dividends?
Yes, India Shelter Finance Corporation Ltd has a dividend yield of 1.52%. Dividend yield indicates the annual dividend income relative to the share price. A consistent dividend history can signal financial stability.
What is the Return on Equity (ROE) of India Shelter Finance Corporation Ltd?
India Shelter Finance Corporation Ltd has a Return on Equity (ROE) of 15.73%. ROE measures how effectively a company uses shareholders' equity to generate profits. A higher ROE generally indicates better capital efficiency.
How can I research India Shelter Finance Corporation Ltd on Tapetide?
On Tapetide, you can view India Shelter Finance Corporation Ltd's live share price, quarterly results, profit & loss statements, balance sheet, cash flow, key ratios, shareholding pattern, technical indicators, analyst ratings, and forecasts — all on a single page without needing to sign up.
Company Information
Incorporated in 1998, India Shelter Finance Corporation Limited is engaged in the business of housing finance. [1]
Website indiashelter.in
CEO Mr. Rupinder Singh
Employees 3,818
Listed 2023-12-20
Face Value ₹ 5
Issued Size 10,86,20,546