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

₹ 800 2.58%
10 Jul - 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 ₹ 8,709 Cr.
  • Current Price ₹ 800
  • High / Low ₹ 1,012 / 650
  • Stock P/E 17.3
  • Book Value ₹ 294
  • Dividend Yield 1.25 %
  • ROCE 12.8 %
  • ROE 17.0 %
  • Face Value ₹ 5.00
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Pros

  • Company has delivered good profit growth of 41.9% CAGR over last 5 years

Cons

  • Stock is trading at 2.72 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 Nifty Smallcap 500

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Quarterly Results

Consolidated Figures in Rs. Crores / View Standalone

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
170 182 204 209 235 252 283 304 327 361 369 390 408
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 93 102 119 127 142 158 161 163 183
Financing Margin % 37% 31% 36% 35% 40% 40% 42% 42% 44% 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 81 100 108 117 124 140 155 158 160 180
Tax % 22% 23% 22% 23% 22% 23% 23% 23% 23% 23% 23% 22% 24%
53 47 60 62 78 84 90 96 108 119 122 124 138
EPS in Rs 12.10 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% 1.20% 0.97% 1.14% 1.24% 1.25% 0.99% 1.24% 1.25% 1.54% 1.25%
Net NPA % 0.85% 0.80% 0.90% 0.73% 0.86% 0.94% 0.94% 0.75% 0.95% 0.94% 1.16% 0.93%
Raw PDF

Profit & Loss

Consolidated Figures in Rs. Crores / View Standalone

Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 Mar 2026
317 448 585 830 1,166 1,529
Interest 106 149 211 289 356 446
99 138 185 243 319 417
Financing Profit 112 162 189 298 491 666
Financing Margin % 35% 36% 32% 36% 42% 44%
6 12 21 32 10 -0
Depreciation 5 7 8 10 12 12
Profit before tax 113 167 202 319 489 653
Tax % 23% 23% 23% 22% 23% 23%
87 128 155 248 378 503
EPS in Rs 20.33 29.39 35.41 23.13 35.02 46.26
Dividend Payout % -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: 33%
Stock Price CAGR
10 Years: %
5 Years: %
3 Years: %
1 Year: -17%
Return on Equity
10 Years: %
5 Years: 15%
3 Years: 16%
Last Year: 17%

Balance Sheet

Consolidated Figures in Rs. Crores / View Standalone

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
34 75 66 80 70 171
Total Liabilities 2,463 3,221 4,296 5,794 7,748 9,615
15 17 24 30 29 29
CWIP -0 -0 -0 -0 -0 -0
Investments -0 175 47 158 315 395
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 Flows

Consolidated Figures in Rs. Crores / View Standalone

Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 Mar 2026
-421 -495 -852 -1,232 -1,435 -1,185
77 -186 162 -236 -61 -105
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

Consolidated Figures in Rs. Crores / View Standalone

Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 Mar 2026
ROE % 9% 13% 13% 14% 15% 17%

Insights

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Branches
Count ・Standalone data
Disbursements
Rs. Crore ・Standalone data
Employees
Count ・Standalone data
Gross AUM
Rs. Crore ・Standalone data
States
Count ・Standalone data
Home Loan % of AUM
% ・Standalone data
Self-Employed % of AUM
% ・Standalone data

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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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