India Shelter Finance
India Shelter Finance
Financial ServicesKey Fundamentals
MicrocapHousing FinanceFinancial ServicesTapetide Score
Data-driven rating, 0–100. How it works →
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
AI News Digest
anthropic 
claude-opus-4.6 69d ago- ₹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.
- 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
| Particulars | 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
| Particulars | 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
| Particulars | 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
| Particulars | 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
| Particulars | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|---|---|
| ROE % | 9% | 13% | 13% | 14% | 15% | 17% |
Insights
BetaAI-extracted from concalls & annual reports · figures as reported, with sources
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55 extracted metrics + investor summaries across FY21–FY27.
Documents
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Company Information
Incorporated in 1998, India Shelter Finance Corporation Limited is engaged in the business of housing finance. [1]
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