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India Shelter Finance Corporation Limited INDIASHLTR NSEFINANCIAL

Financial Services · Mortgage Finance · India
https://www.indiashelter.in
Company Profile ↓
₹820.65
-12.97% 1Y
Mkt Cap₹8,925.26 Cr
P/E24.19
P/B2.80
Div. Yield1.25%
52W High₹989.06
52W Low₹658.81
Book Value₹294.06
EPS (TTM)₹33.93

Company Overview

India Shelter Finance Corporation Limited operates as a housing finance company in India. The company offers home, purchase and construction, and home renovation loans, as well as loans against property. It also provides secured retail home and home equity loans. The company was formerly known as Satyaprakash Housing Finance India Limited and changed its name to India Shelter Finance Corporation Limited in March 2010. India Shelter Finance Corporation Limited was incorporated in 1998 and is based in Gurugram, India.

Why Investors Should Care

Strong Return on Equity

Generates a return on equity of 15.7%, reflecting efficient use of shareholder capital.

Consistent Profit Growth

Net profit has compounded at 48.0% per year over the last five years.

Steady Revenue Expansion

Revenue has grown at a 37.8% CAGR over the past five years.

Healthy Margins

Maintains a net profit margin of 38.7%.

Recent Developments

  • Mar 2026 Revenue of ₹1,300.39 Cr (+30.1% YoY); net profit ₹503.15 Cr.
  • Trailing 12 Months Year-on-year growth — revenue +30.1%, earnings +33.1%.
  • 5-Year Trend Long-term compounding — revenue CAGR 37.8%, profit CAGR 48.0%.

Growth & Price Performance

Compounded Sales Growth

5 Years:37.83%
1 Year:30.13%

Compounded Profit Growth

5 Years:47.96%
1 Year:33.15%

Stock Price Performance

1 Year:-12.97%
6 Months:+1.91%
3 Months:+4.61%
1 Month:+6.62%

Highlights auto-generated from reported financials and price data; not investment advice. Verify with official filings before acting.

Technical Snapshot Bullish
52-Week Range 49% of range
₹658.81 ₹989.06
Trend Signals
  • Price vs 50-DMAAbove
  • Price vs 200-DMAAbove
  • RSI (14)65.06 · Neutral
Price Performance
1M+6.62%
3M+4.61%
6M+1.91%
1Y-12.97%
Valuation vs Sector

P/E of 24.19 is above the sector median of 19.81 — pricier than peers.

Auto-generated from price history and fundamentals; not investment advice.

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Price Chart

NSE TradingView

Fundamental Growth Charts

Interactive charts for Revenue, Net Income, EBITDA, Free Cash Flow, EPS, ROE, ROCE, Gross/Net/Operating Margin and more — switch metric and period using the dropdowns above. CAGR is computed across the displayed window (quarterly CAGR is annualised). Visual growth charts make it easy to spot multi-year compounding trends at a glance — far faster than reading raw numbers in a table.

PROS

  • Excellent profit margin of 38.7%.
  • Compounding revenue at 37.8% over 5 years.
  • Profit CAGR of 48.0% over 5 years.

CONS

  • In a downtrend (50-DMA below 200-DMA).

* The pros and cons are auto-generated from financial metrics.

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Valuation

Stock P/E
24.19
Industry PE
19.81
Forward P/E
11.66
PEG Ratio
-
Book Value
₹294.06
Price to Book
2.80
P/S
8.58
EV/EBITDA
22.53
Dividend Yield
1.25%

Growth (CAGR)

Revenue 5Y
37.83%
Profit 5Y
47.96%
Revenue (YoY)
30.13%
Earnings (YoY)
33.15%

Profitability & Returns

ROCE
8.11%
ROE
15.73%
ROA
5.23%
Profit Margin
38.69%
Op Margin
36.92%
Gross Margin
46.11%
EPS (Latest Qtr)
₹12.53
EPS (TTM)
₹33.93

Balance Sheet & Liquidity

Debt/Equity
1.95
Quick Ratio
6.04
Current Ratio
1.21
Debt
₹6,246.04 Cr
Total Assets
₹9,614.98 Cr
Current Assets
₹1,843.21 Cr
Working Capital
₹319.98 Cr

Ownership

Promoter Holding
28.55%
Chg in Prom Hold
-0.02%
FII / Inst Holding
54.54%
Chg in FII Hold
0.04%

Financial Snapshot

Enterprise Value
₹8,925.26 Cr
Total Revenue (TTM)
₹1,300.39 Cr
EBITDA
₹668.79 Cr
Free Cash Flow
₹-1,196.33 Cr
Operating Cash Flow
₹-1,185.00 Cr
Shares Outstanding
₹10.88 Cr
Gross Margin
46.11%
Payout Ratio
11.12%

Peer comparison

Peer companies in the same sector (Financial Services).

#NameCMP ₹P/E Mkt CapDiv Yld % ROCE %ROE % Rev CAGR 5Y %Profit CAGR 5Y %
1 INDIASHLTR India Shelter Finance Corporation Limited NSEFINANCIAL 820.65 24.19 ₹8,925.26 Cr 1.25% 8.11% 15.73% 37.83% 47.96%
2 HDFCBANK HDFC Bank Limited NIFTY50NSEAIFINANCIAL 815.55 16.51 ₹12.48 L Cr 1.58% - 13.62% 32.50% 20.39%
3 ICICIBANK ICICI Bank Limited NIFTY50NSEAIFINANCIAL 1,423.10 19.03 ₹10.19 L Cr 0.86% - 14.93% 19.65% 16.78%
4 SBIN State Bank of India NIFTY50NSEAIFINANCIALPSU 1,031.00 11.31 ₹9.52 L Cr 1.67% - 13.97% 12.19% 14.39%
5 BAJFINANCE Bajaj Finance Limited NIFTY50NSEAIFINANCIAL 1,032.90 33.85 ₹6.43 L Cr 0.53% - 16.68% 22.58% 18.23%
6 LICI Life Insurance Corporation of India NIFTY_MIDNSEFINANCIALPSU 443.80 9.77 ₹5.61 L Cr 2.26% - 32.53% 7.26% 16.86%
7 AXISBANK Axis Bank Limited NIFTY50NSEAIFINANCIAL 1,340.20 15.86 ₹4.17 L Cr 0.08% - 12.27% 12.16% 34.61%
8 KOTAKBANK Kotak Mahindra Bank Limited NIFTY50NSEAIFINANCIAL 381.30 19.66 ₹3.79 L Cr 0.17% - 10.64% 13.48% 8.92%
9 BAJAJFINSV Bajaj Finserv Ltd. NIFTY50NSEAIFINANCIAL 1,887.10 34.31 ₹3.02 L Cr 0.07% - 12.58% 22.92% 15.16%
Financial Statements Quarterly Results · Profit & Loss · Balance Sheet · Cash Flows · Ratios

Quarterly Results

Figures in INR.

Metric Mar 2023Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026
Revenue 170.00 Cr182.00 Cr204.00 Cr209.00 Cr235.00 Cr252.00 Cr283.00 Cr274.41 Cr305.87 Cr323.80 Cr-346.65 Cr375.33 Cr
Cost of Revenue -------152.08 Cr163.17 Cr175.83 Cr-193.83 Cr194.62 Cr
Gross Profit -------122.33 Cr142.70 Cr147.97 Cr-152.82 Cr180.71 Cr
Operating Expenses 51.00 Cr57.00 Cr59.00 Cr61.00 Cr67.00 Cr73.00 Cr79.00 Cr19.09 Cr21.52 Cr20.00 Cr-23.31 Cr25.69 Cr
Operating Income -------103.24 Cr121.18 Cr127.98 Cr-129.51 Cr155.02 Cr
EBITDA -------106.23 Cr124.17 Cr130.76 Cr-132.82 Cr158.12 Cr
Interest Expense 56.00 Cr68.00 Cr72.00 Cr74.00 Cr75.00 Cr77.00 Cr85.00 Cr------
Pretax Income 68.00 Cr61.00 Cr77.00 Cr81.00 Cr100.00 Cr108.00 Cr117.00 Cr124.37 Cr139.32 Cr155.24 Cr-159.95 Cr182.50 Cr
Tax Provision 14.96 Cr14.03 Cr16.94 Cr18.63 Cr22.00 Cr24.84 Cr26.91 Cr28.23 Cr31.40 Cr35.79 Cr-35.88 Cr42.44 Cr
Net Income 53.00 Cr47.00 Cr60.00 Cr62.00 Cr78.00 Cr84.00 Cr90.00 Cr96.14 Cr107.92 Cr119.45 Cr-124.07 Cr140.06 Cr
Diluted EPS 12.1010.736.695.827.287.798.398.649.6510.68-11.0212.53

Profit & Loss (Annual)

Figures in INR.

Metric Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Revenue 317.00 Cr-496.63 Cr681.96 Cr999.29 Cr1,300.39 Cr
Cost of Revenue --325.55 Cr441.88 Cr551.87 Cr700.81 Cr
Gross Profit --171.08 Cr240.07 Cr447.41 Cr599.58 Cr
Operating Expenses 99.00 Cr-59.19 Cr73.05 Cr94.91 Cr119.52 Cr
Operating Income --111.88 Cr167.03 Cr352.50 Cr480.06 Cr
EBITDA --211.69 Cr331.25 Cr504.65 Cr668.79 Cr
Interest Expense 106.00 Cr-1.54 Cr2.15 Cr3.86 Cr3.13 Cr
Pretax Income 113.00 Cr-201.95 Cr319.18 Cr489.19 Cr653.29 Cr
Tax Provision 25.99 Cr-46.61 Cr71.59 Cr111.32 Cr150.14 Cr
Net Income 87.00 Cr-155.34 Cr247.60 Cr377.87 Cr503.15 Cr
Diluted EPS 20.3312.0014.5125.1833.93-

Balance Sheet (Annual)

Figures in INR.

Metric Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Total Assets 2,463.00 Cr-4,295.59 Cr5,794.18 Cr7,747.50 Cr9,614.98 Cr
Current Assets --1,080.22 Cr1,221.85 Cr1,434.30 Cr1,843.21 Cr
Cash & Equivalents --360.94 Cr111.92 Cr181.96 Cr129.38 Cr
Inventory ------
Receivables ---038.32 L5.48 Cr
Total Liabilities --3,055.06 Cr3,495.52 Cr5,038.76 Cr6,416.85 Cr
Current Liabilities --777.35 Cr844.84 Cr1,153.86 Cr1,523.23 Cr
Long Term Debt --2,273.95 Cr2,649.45 Cr3,883.63 Cr4,889.84 Cr
Total Debt --2,988.87 Cr3,415.10 Cr4,969.06 Cr6,246.04 Cr
Total Equity 937.00 Cr-1,240.53 Cr2,298.67 Cr2,708.74 Cr3,198.12 Cr
Shares Outstanding --10.71 Cr10.71 Cr10.79 Cr10.88 Cr

Cash Flows (Annual)

Figures in INR.

Metric Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Operating Cash Flow -421.00 Cr--852.18 Cr-1,232.33 Cr-1,434.77 Cr-1,185.00 Cr
Investing Cash Flow 77.00 Cr-162.50 Cr-236.28 Cr-61.38 Cr-105.37 Cr
Financing Cash Flow 560.00 Cr-906.83 Cr1,219.58 Cr1,566.19 Cr1,237.79 Cr
Capital Expenditure -2.00 Cr--6.40 Cr-6.24 Cr-9.06 Cr-11.34 Cr
Free Cash Flow -423.00 Cr--858.58 Cr-1,238.57 Cr-1,443.83 Cr-1,196.33 Cr
Net Change in Cash 216.00 Cr-217.14 Cr-249.03 Cr70.04 Cr-52.58 Cr

Ratios (Annual)

Figures in %.

Metric Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Gross Margin % --34.4%35.2%44.8%46.1%
Operating Margin % --22.5%24.5%35.3%36.9%
Net Margin % 27.4%-31.3%36.3%37.8%38.7%
ROE % 9.3%-12.5%10.8%14.0%15.7%
ROCE % --3.2%3.4%5.3%5.9%

Shareholding Pattern

Insiders
28.55%
Institutions
54.54%
Public Float
76.34%

Analyst View

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Latest News

Recent headlines for INDIASHLTR

Google News Fri, 03 Jul 2026

ETFs Investing in India Shelter Finance Corp. Ltd. Stocks - TradingView

<a href="https://news.google.com/rss/articles/CBMiZ0FVX3lxTE1ZNVBUZVVrcHBYS21QNERlWEh5Y09BMTJhV3poWm1zXzJBaFJRY2k4RTNBS0NoSHBWb0phRnJ2OE1aeDllSlJReWZQNXRNQkhWLWdmcjd2cVVVb3hyR2lkWWRjYXJmQTg?oc=5" target="_blank">ETFs Investing in India Shel…

Google News Wed, 06 May 2026

India Shelter Finance Corporation Limited (NSE:INDIASHLTR) Just Released Its Yearly Results And Analysts Are Updating Their Estimates - simplywall.st

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Google News Fri, 10 Jul 2026

INDIASHLTR Share Price Today - India Shelter Finance on NSE/BSE - scanx.trade

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Google News hu, 05 Feb 2026

Does India Shelter Finance (NSE:INDIASHLTR) Deserve A Spot On Your Watchlist? - simplywall.st

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Google News Wed, 25 Mar 2026

India Shelter Finance Corporation Limited Announces Redemption Payments - marketscreener.com

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Google News Wed, 12 Nov 2025

Investors Continue Waiting On Sidelines For India Shelter Finance Corporation Limited (NSE:INDIASHLTR) - simplywall.st

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INDIASHLTR — Frequently Asked Questions

What is the current share price of India Shelter Finance Corporation Limited (INDIASHLTR)?

As of 2026-07-15 09:52 IST, India Shelter Finance Corporation Limited (INDIASHLTR) trades at ₹820.65 on NSE. Its 52-week range is ₹658.81 to ₹989.06.

What is the market capitalisation of INDIASHLTR?

India Shelter Finance Corporation Limited (INDIASHLTR) has a market capitalisation of ₹8,925.26 Cr on NSE.

What is the P/E ratio of INDIASHLTR?

INDIASHLTR trades at a trailing price-to-earnings (P/E) ratio of 24.19. The industry average P/E is 19.81. Its price-to-book (P/B) ratio is 2.80.

Does INDIASHLTR pay a dividend?

India Shelter Finance Corporation Limited (INDIASHLTR) currently offers a dividend yield of 1.25%.

What is the return on equity (ROE) of INDIASHLTR?

INDIASHLTR has a return on equity (ROE) of 15.73%. Its return on capital employed (ROCE) is 8.11%.

Is INDIASHLTR a good stock to buy?

This page provides a data-driven analysis of India Shelter Finance Corporation Limited (INDIASHLTR), including valuation ratios, profitability, growth trends, auto-generated pros and cons, peer comparison and AI exposure. Review these fundamentals alongside your own research and risk tolerance. This is informational content, not investment advice.

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