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

₹ 876 0.64%
21 May 12:32 p.m.
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 ₹ 9,458 Cr.
  • Current Price ₹ 876
  • High / Low ₹ 938 / 561
  • Stock P/E 25.1
  • Book Value ₹ 251
  • Dividend Yield 0.00 %
  • ROCE 12.6 %
  • ROE 15.1 %
  • Face Value ₹ 5.00
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Pros

  • Company is expected to give good quarter
  • Company has delivered good profit growth of 51.7% CAGR over last 5 years

Cons

  • Stock is trading at 3.51 times its book value
  • Though the company is reporting repeated profits, it is not paying out dividend

* 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

Sector: Finance Industry: Finance - Housing

Part of BSE SmallCap BSE Allcap BSE Financial Services Nifty Microcap 250 Nifty Total Market

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Quarterly Results

Standalone Figures in Rs. Crores / View Consolidated

Dec 2022 Mar 2023 Jun 2023 Sep 2023 Dec 2023 Mar 2024 Jun 2024 Sep 2024 Dec 2024 Mar 2025
150 169 182 204 209 234 251 282 304 327
Interest 58 56 68 72 74 75 77 85 92 102
44 51 57 59 61 67 73 79 85 83
Financing Profit 49 63 57 73 74 93 101 119 127 142
Financing Margin % 32% 37% 31% 36% 35% 40% 40% 42% 42% 43%
6 8 6 7 10 10 9 1 0 0
Depreciation 2 2 2 2 2 3 3 3 3 3
Profit before tax 52 68 61 77 81 99 108 117 124 139
Tax % 23% 22% 23% 22% 23% 22% 23% 23% 23% 23%
40 53 47 60 62 78 83 90 96 108
EPS in Rs 9.14 12.06 10.69 6.67 5.80 7.26 7.77 8.37 8.91 10.00
Gross NPA % 1.25%
Net NPA % 0.85% 0.94%
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Profit & Loss

Standalone Figures in Rs. Crores / View Consolidated

Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025
172 230 317 448 584 829 1,164
Interest 49 76 106 149 211 290 355
83 84 99 138 185 243 320
Financing Profit 40 70 112 162 188 297 489
Financing Margin % 23% 30% 35% 36% 32% 36% 42%
0 0 6 12 22 32 10
Depreciation 2 6 5 7 8 10 12
Profit before tax 38 64 113 167 201 318 488
Tax % 26% 27% 23% 23% 23% 22% 23%
28 47 87 128 155 247 377
EPS in Rs 6.59 10.95 20.33 29.39 35.32 23.06 34.95
Dividend Payout % 0% 0% 0% 0% 0% 0% 0%
Compounded Sales Growth
10 Years: %
5 Years: 38%
3 Years: 38%
TTM: 41%
Compounded Profit Growth
10 Years: %
5 Years: 52%
3 Years: 43%
TTM: 53%
Stock Price CAGR
10 Years: %
5 Years: %
3 Years: %
1 Year: 49%
Return on Equity
10 Years: %
5 Years: 14%
3 Years: 14%
Last Year: 15%

Balance Sheet

Standalone Figures in Rs. Crores / View Consolidated

Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025
Equity Capital 42 43 43 44 44 54 54
Reserves 751 805 894 1,032 1,196 2,244 2,653
Borrowing 508 689 1,491 2,070 2,989 3,415 4,969
61 262 41 75 94 117 70
Total Liabilities 1,362 1,799 2,470 3,221 4,323 5,830 7,746
7 18 15 17 24 30 29
CWIP 0 0 0 0 0 0 0
Investments 80 94 0 175 59 170 327
1,276 1,687 2,455 3,029 4,240 5,630 7,389
Total Assets 1,362 1,799 2,470 3,221 4,323 5,830 7,746

Cash Flows

Standalone Figures in Rs. Crores / View Consolidated

Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025
-341 -292 -421 -495 -853 -1,233 -1,436
26 -150 77 1 161 -233 -61
344 395 560 592 907 1,220 1,566
Net Cash Flow 28 -46 216 97 215 -247 70

Ratios

Standalone Figures in Rs. Crores / View Consolidated

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

Shareholding Pattern

Numbers in percentages

Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025
48.30% 48.30% 48.23% 48.14% 48.00% 47.92%
5.84% 5.28% 5.16% 5.77% 6.23% 6.93%
12.61% 16.09% 17.53% 21.87% 20.66% 18.52%
33.24% 30.32% 29.09% 24.22% 25.09% 26.64%
No. of Shareholders 1,14,30064,29354,92952,74853,70655,264

* 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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