India Shelter Finance Corporation Ltd

INDIA SHELTE FIN Summary Chart Analysis Peers Quarters Profit & Loss Balance Sheet Cash Flow Ratios Investors Documents

India Shelter Finance Corporation Ltd

₹ 832 -0.51%
12 May - close price
indiashelter.in BSE: 544044 NSE: INDIASHLTR
About

Incorporated in 1998, India Shelter Finance Corporation Limited is engaged in the business of housing finance. [1]

Key Points

Business Profile[1] The company finances purchase and self-construction of residential properties by first-time home loan takers through home loans and offers loans against property (LAP).

Website BSE NSE
  • Market Cap ₹ 9,053 Cr.
  • Current Price ₹ 832
  • High / Low ₹ 1,012 / 650
  • Stock P/E 17.9
  • Book Value ₹ 294
  • Dividend Yield 0.60 %
  • ROCE 12.8 %
  • ROE 17.1 %
  • Face Value ₹ 5.00
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Pros

  • Company has delivered good profit growth of 42.0% CAGR over last 5 years

Cons

  • Stock is trading at 2.83 times its book value

* The pros and cons are machine generated. Pros / cons are based on a checklist to highlight important points. Please exercise caution and do your own analysis.

Peer comparison

Financial Services Financial Services Finance Housing Finance Company

Part of BSE Financial Services Nifty Microcap 250 Nifty Total Market BSE 1000

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Quarterly Results

Standalone Figures in Rs. Crores / View Consolidated

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
169 182 204 209 234 251 282 304 327 361 369 390 411
Interest 56 68 72 74 75 77 85 92 102 106 110 114 115
51 57 59 61 67 73 79 85 83 97 98 113 110
Financing Profit 63 57 73 74 93 101 119 127 142 158 161 163 186
Financing Margin % 37% 31% 36% 35% 40% 40% 42% 42% 43% 44% 44% 42% 45%
8 6 7 10 10 9 1 0 0 0 0 0 0
Depreciation 2 2 2 2 3 3 3 3 3 3 3 3 3
Profit before tax 68 61 77 81 99 108 117 124 139 155 158 160 182
Tax % 22% 23% 22% 23% 22% 23% 23% 23% 23% 23% 23% 22% 23%
53 47 60 62 78 83 90 96 108 119 122 124 140
EPS in Rs 12.06 10.69 6.67 5.80 7.26 7.77 8.37 8.91 10.00 11.05 11.24 11.41 12.88
Gross NPA % 1.25% 0.99% 1.24% 1.25% 1.54% 1.25%
Net NPA % 0.85% 0.94% 0.75% 0.95% 0.94% 1.16% 0.93%
Raw PDF

Profit & Loss

Standalone Figures in Rs. Crores / View Consolidated

Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 Mar 2026
172 230 317 448 584 829 1,165 1,530
Interest 49 76 106 149 211 289 356 445
83 84 99 138 185 243 319 418
Financing Profit 40 70 112 162 188 297 490 667
Financing Margin % 23% 30% 35% 36% 32% 36% 42% 44%
0 0 6 12 22 32 10 0
Depreciation 2 6 5 7 8 10 12 12
Profit before tax 38 64 113 167 201 318 488 655
Tax % 26% 27% 23% 23% 23% 22% 23% 23%
28 47 87 128 155 247 377 505
EPS in Rs 6.59 10.95 20.33 29.39 35.32 23.06 34.95 46.44
Dividend Payout % 0% 0% 0% 0% 0% 0% 14% 22%
Compounded Sales Growth
10 Years: %
5 Years: 37%
3 Years: 38%
TTM: 31%
Compounded Profit Growth
10 Years: %
5 Years: 42%
3 Years: 48%
TTM: 34%
Stock Price CAGR
10 Years: %
5 Years: %
3 Years: %
1 Year: -8%
Return on Equity
10 Years: %
5 Years: 15%
3 Years: 16%
Last Year: 17%

Balance Sheet

Standalone Figures in Rs. Crores / View Consolidated

Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 Mar 2026
Equity Capital 42 43 43 44 44 54 54 54
Reserves 751 805 894 1,032 1,196 2,244 2,653 3,144
Borrowing 508 689 1,491 2,070 2,989 3,415 4,969 6,246
61 262 41 75 66 80 70 171
Total Liabilities 1,362 1,799 2,470 3,221 4,295 5,793 7,746 9,615
7 18 15 17 24 30 29 29
CWIP 0 0 0 0 0 0 0 0
Investments 80 94 0 175 59 170 327 395
1,276 1,687 2,455 3,029 4,212 5,593 7,389 9,191
Total Assets 1,362 1,799 2,470 3,221 4,295 5,793 7,746 9,615

Cash Flows

Standalone Figures in Rs. Crores / View Consolidated

Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 Mar 2026
-341 -292 -421 -495 -853 -1,233 -1,436 -1,183
26 -150 77 1 161 -233 -61 -107
344 395 560 592 907 1,220 1,566 1,238
Net Cash Flow 28 -46 216 97 215 -247 70 -52
Free Cash Flow -345 -293 -423 -500 -859 -1,239 -1,444 -1,194
CFO/OP -372% -188% -184% -151% -201% -198% -158% -95%

Ratios

Standalone Figures in Rs. Crores / View Consolidated

Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 Mar 2026
ROE % 4% 6% 10% 13% 13% 14% 15% 17%

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Assets Under Management (AUM)
INR Crores
Number of Branches
Number
Yearly Disbursements
INR Crores
Gross Stage 3 Assets
Percentage
Total Employees
Number
In-house Sourcing
Percentage
Portfolio Loan-to-Value (LTV)
Percentage

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Shareholding Pattern

Numbers in percentages

Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026
48.30% 48.30% 48.23% 48.14% 48.00% 47.92% 47.91% 47.71% 47.60% 47.53%
5.84% 5.28% 5.16% 5.77% 6.23% 6.93% 7.96% 8.02% 7.48% 6.87%
12.61% 16.09% 17.53% 21.87% 20.66% 18.52% 17.67% 21.00% 20.72% 21.39%
33.24% 30.32% 29.09% 24.22% 25.09% 26.64% 26.46% 23.27% 24.20% 24.21%
No. of Shareholders 1,14,30064,29354,92952,74853,70655,26465,80365,94962,61959,100

* The classifications might have changed from Sep'2022 onwards. The new XBRL format added more details from Sep'22 onwards.

Classifications such as banks and foreign portfolio investors were not available earlier. The sudden changes in FII or DII can be because of these changes.

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Documents

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