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India Shelter Finance Corporation

INDIASHLTR NSE
₹638.30 −5.15 (−0.80%)
P/E
13.76
View as Markdown
MCP
Close 4 Nov 2026 ₹638.30 −207.65 −24.5% 1Y
Start ₹845.95

Key Fundamentals

MicrocapFinanceFinancial Services

Price-based figures as of · EPS basis: Consolidated · TTM

Debt to Equity
1.95
EPS (TTM)
₹46.40
Book Value
₹292.73
Market Cap
—
P/E (TTM)
13.76
P/B
2.18
ROE
17.00%
Dividend Yield
1.55%
52W High
₹924.00
52W Low
₹592.40
Day Range
₹630.65 – ₹650.70
Volume
19,479
ROCE
Not meaningful for a lender: the ratio describes an industrial company’s balance sheet
EBITDA
Not meaningful for a lender: the ratio describes an industrial company’s balance sheet

Peer Comparison

Financial Services › Housing Finance › Housing Finance Company

India Shelter Finance peer comparison
Bajaj Housing Finance
₹81.4225.21₹65,542 Cr2.820.00%12.10%—₹11,604 Cr₹2,692 Cr
Piramal Finance
₹1,946.20—₹45,625 Cr1.490.58%0.86%6.47%₹13,357 Cr₹1,909 Cr
LIC Housing Finance
₹520.004.98₹28,072 Cr0.651.98%14.40%—₹28,562 Cr₹5,739 Cr
PNB Housing Finance
₹1,082.0011.99₹28,029 Cr1.390.75%12.90%—₹8,700 Cr₹2,350 Cr
Aadhar Housing Finance
₹431.2016.44₹18,689 Cr2.520.00%15.90%—₹3,817 Cr₹1,140 Cr
Sammaan Capital
₹125.98—₹14,065 Cr0.821.67%−3.21%—₹7,418 Cr−₹7,236 Cr
Home First Finance Company
₹1,082.3019.38₹11,147 Cr2.430.49%15.70%—₹1,999 Cr₹581 Cr
India Shelter Finance (this company)
₹638.3013.76₹6,987 Cr2.181.55%17.00%—₹1,529 Cr₹503 Cr
Median 8 companies₹579.1515.10₹23,359 Cr1.840.67%13.65%6.47%₹8,059 Cr₹1,525 Cr

Comparable companies in the same industry. Market cap, P/E and P/B use the latest price; other metrics are as reported in filings. A dash means the figure is not published for that company.

Tapetide Score

Data-driven rating, 0–100, as of . How it works →

Overall score

49 Average

Data confidence 94/100

Category scores

Quality
38
Weak
Returns, margins, earnings quality 22% weight
Valuation
58
Good
Cheap vs sector & own history 24% weight
Growth
87
Strong
Sales & profit trajectory 9% weight
Financial Health
48
Average
Solvency, leverage, coverage 9% weight
Momentum
7
Poor
Trend strength, vol-adjusted 12% weight
Ownership
52
Average
FII/DII/promoter flows 24% weight

The Tapetide Score is data analysis, not investment advice. Tapetide is not a SEBI-registered research analyst or investment adviser.

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%

Technical Indicators

Technical signals: verdict and indicator counts
GroupSignalBearishNeutralBullish
OverallNeutral757
OscillatorsBullish153
Moving AveragesStrong Bearish604

Key readings

RSI (14)
51.01
Neutral
MACD (12,26,9)
−4.00
Bullish
SMA (50)
645.85
Bearish
SMA (200)
731.45
Bearish

As of

Analyst Rating

Based on 9 analysts
BUY100%

9 of 9 analysts rate Buy, 0 Hold, 0 Sell.

As of

BUY
9
100%
HOLD
0
0%
SELL
0
0%

Growth Rate

From the financial statements below. 5Y, 3Y: compound annual growth to Mar 2026; 1Y: fiscal year to Mar 2026 against Mar 2025.

Revenue

Revenue growth by window
5Y+36.98%
3Y+37.75%
1Y+31.13%

Net profit

Net profit growth by window
5Y+42.04%
3Y+48.05%
1Y+33.07%

Operating cash flow

Not meaningful

A bank's or NBFC's operating cash flow moves with deposits and loans, so its growth says little about the business.

Trailing twelve months: The last four quarters end with the latest fiscal year, which the 1Y column covers.

Revenue by year

Revenue by year, ₹ crore
Mar 2021₹317 Cr
Mar 2022₹448 Cr
Mar 2023₹585 Cr
Mar 2024₹830 Cr
Mar 2025₹1,166 Cr
Mar 2026₹1,529 Cr

Net profit by year

Net profit by year, ₹ crore
Mar 2021₹87.00 Cr
Mar 2022₹128 Cr
Mar 2023₹155 Cr
Mar 2024₹248 Cr
Mar 2025₹378 Cr
Mar 2026₹503 Cr

Analyst Forecasts

Forecast For
FY27 consensus · EPS
₹56.81 +22.3% vs FY26
Reported High Mean Low

AI News Digest

121d ago

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.

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.

Quarterly Results

₹ Cr

Results for the period ended Jun 2026 were due by 14 Aug 2026 and are not in this table yet.

INDIASHLTR quarterly results, ₹ crore
Particulars Mar 2023Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 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 (₹)
6.05
5.36
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

₹ Cr
INDIASHLTR profit and loss, annual, ₹ crore
Particulars Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 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
355
445
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 (₹)
10.16
14.7
17.71
23.13
35.02
46.26
Div. Payout %
0%
0%
0%
0%
14%
22%

Balance Sheet

₹ Cr
INDIASHLTR balance sheet, annual, ₹ crore
Particulars Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 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

₹ Cr
INDIASHLTR cash flow, annual, ₹ crore
Particulars Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 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

Ratios

INDIASHLTR financial ratios, annual
Particulars Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
ROE %
9%
13%
13%
14%
15%
17%

Insights

Beta

AI-extracted from concalls & annual reports · figures as reported, with sources

Log in to view India Shelter Finance insights

60 extracted metrics across FY21–FY27.

Shareholding Pattern

As of Sep 2026

  • Promoters 45.91%
  • DIIs 21.42%
  • Others 14.56%
  • Public 10.76%
  • FIIs 7.35%

No promoter shares pledged as of 14 Oct 2026

Change vs previous quarter

Not shown for some quarters: Others. Not available separately for this quarter: the shareholding filing gives Public and Others as one figure, shown under Public, so Others is left blank rather than estimated.

Documents

Frequently Asked Questions about India Shelter Finance Corporation

What does India Shelter Finance Corporation Ltd do?
Incorporated in 1998, India Shelter Finance Corporation Limited is engaged in the business of housing finance.
Where is India Shelter Finance Corporation Ltd (INDIASHLTR) listed?
India Shelter Finance Corporation Ltd trades as INDIASHLTR on the NSE and under code 544044 on the BSE.
Which sector does India Shelter Finance Corporation Ltd belong to?
India Shelter Finance Corporation Ltd is classified under the Financial Services sector, in the Housing Finance industry.
What is the PE ratio of India Shelter Finance Corporation Ltd?
India Shelter Finance Corporation Ltd trades at a PE ratio of 13.76 as of 4 Nov 2026, on earnings per share of ₹46.4, against a book value of ₹292.73 per share.
What is the 52-week high and low of India Shelter Finance Corporation Ltd?
Over the last 52 weeks India Shelter Finance Corporation Ltd has traded between ₹592.4 and ₹924 as of 4 Nov 2026.
Does India Shelter Finance Corporation Ltd pay dividends?
India Shelter Finance Corporation Ltd has a dividend yield of 1.55%.
What is the Return on Equity (ROE) of India Shelter Finance Corporation Ltd?
India Shelter Finance Corporation Ltd reported a return on equity of 17.00%. Its debt-to-equity ratio is 1.95.

Company Information

Incorporated in 1998, India Shelter Finance Corporation Limited is engaged in the business of housing finance.

Website indiashelter.in
CEO Mr. Rupinder Singh
Employees 3,818
Listed 20 Dec 2023
Face Value ₹5

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