| Quarterly Financials | Mar 2022 | Sept 2022 | Dec 2022 | Mar 2023 | Jun 2023 | Sept 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sept 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sept 2025 |
Revenue  | 148 | 144 | 156 | 177 | 188 | 211 | 218 | 244 | 261 | 283 | 304 | 327 | 361 | 369 |
| Expenses | 39 | 45 | 44 | 51 | 57 | 60 | 61 | 67 | 73 | 79 | 85 | 83 | 97 | 98 |
| EBITDA | 109 | 100 | 113 | 126 | 131 | 151 | 158 | 178 | 188 | 205 | 219 | 244 | 265 | 271 |
| Operating Profit % | 72 % | 68 % | 71 % | 70 % | 69 % | 71 % | 71 % | 71 % | 71 % | 72 % | 72 % | 75 % | 73 % | 73 % |
| Depreciation | 2 | 2 | 2 | 2 | 2 | 2 | 3 | 3 | 3 | 3 | 3 | 3 | 3 | 3 |
| Interest | 43 | 50 | 58 | 56 | 68 | 72 | 74 | 75 | 77 | 85 | 92 | 102 | 107 | 110 |
| Profit Before Tax | 64 | 47 | 53 | 68 | 61 | 77 | 81 | 100 | 108 | 117 | 124 | 140 | 155 | 158 |
| Tax | 15 | 11 | 12 | 15 | 14 | 17 | 19 | 22 | 25 | 27 | 28 | 32 | 36 | 36 |
| Net Profit | 50 | 36 | 40 | 53 | 47 | 60 | 62 | 78 | 84 | 90 | 96 | 108 | 119 | 122 |
| EPS in ₹ | 11.31 | 8.35 | 9.09 | 6.07 | 10.76 | 6.73 | 6.75 | 7.28 | 7.80 | 8.40 | 8.94 | 10.03 | 11.07 | 11.29 |
India Shelter Finance
India Shelter Finance
861.40
-15.55
(-1.77%)
Key Fundamentals
Market Cap
9,322.60 Cr
EPS
35.18
PE Ratio
21.77
Dividend Yield
0.56 %
Industry
Financial Services 52 Week High
1,011.75
52 Week Low
607.00
PB Ratio
3.33
Debt to Equity
1.67
Sector
Housing Finance Analyst Rating and Forecast
- By Refinitiv from6 analysts
Actual
Company News
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IndiaShelter Finance Gets Credit Rating Re-affirmation and New NCD Programme Rating from ICRA
4 days ago
4 days agoICRA Limited re-affirmed IndiaShelter Finance Corporation's Long Term Fund Based-Term Loan rating at ICRA AA-(Stable) for Rs. 3000.00 crore and assigned the same rating to a new NCD programme worth Rs. 180 crore. The ratings indicate strong creditworthiness and provide the housing finance company with enhanced borrowing capabilities for business expansion.
IndiaShelter Finance Allots 112,768 Equity Shares Under Employee Stock Option PlansNov 13, 2025
IndiaShelter Finance Corporation Limited allotted 112,768 equity shares of Rs. 5 each following the exercise of employee stock options under its ESOP schemes. The allotment included 99,645 shares under the ESOP 2021 scheme and 13,123 shares under the ESOP 2023 scheme. The company's paid-up share capital increased from Rs. 542,037,060 (108,407,412 equity shares) to Rs. 542,600,900 (108,520,180 equity shares). The exercise prices ranged from Rs. 154.80 to Rs. 207.71 for the 2021 scheme and Rs. 199 for the 2023 scheme. The newly allotted shares will rank equally with existing equity shares and the company is completing formalities for listing these shares.
India Shelter Finance Reports 31% AUM Growth, Maintains Asset Quality Despite Industry ChallengesNov 12, 2025
Nov 12, 2025India Shelter Finance Corporation delivered strong quarterly results with AUM reaching Rs. 9,252 crores, representing 31% year-on-year growth. The company disbursed Rs. 931 crores in Q2 FY26, marking 12% growth, and expanded its network by adding 9 new branches to reach 299 total branches. Net profit increased 35% year-on-year to Rs. 122 crores with return on equity at 17%. Asset quality metrics remained stable with gross Stage-3 at 1.2% and net Stage-3 at 0.9%, unchanged from the previous year. The company maintained its guidance of 30-35% loan growth, spreads above 6%, and credit costs of 40-50 basis points. Management noted some seasonal challenges in Q2 due to rains and GST implementation delays but expects improved momentum in the second half. The company operates primarily in Tier-2 and Tier-3 cities, focusing on self-employed customers in the affordable housing segment. Cost of funds decreased by 10 basis points to 8.5% with expectations of further 20 basis points reduction by year-end. The Board approved ESOP schemes for branch managers covering approximately 500 employees.
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Peer Comparison Compare Peers on Screener
Competitors | LTP | Market Cap (₹ Cr.) | P/E Ratio | Revenue (₹ Cr.) | YoY Revenue Growth % | Net Profit (₹ Cr.) | YoY Profit Growth % | RSI |
|---|---|---|---|---|---|---|---|---|
104.96 | #1 87,456.18 | 37.58 | 9,576.00 | 25.71 | 2,163 | 17.85 | 28.66 | |
548.10 | 30,148.95 | #1 5.53 | #1 28,110.70 | 3.05 | #1 5,443 | 1.63 | 32.55 | |
881.45 | 22,962.53 | 10.98 | 7,691.60 | 8.99 | 1,936 | 23.82 | 43.53 | |
487.05 | 21,093.78 | 21.31 | 3,108.90 | 20.17 | 912 | 17.14 | 37.61 | |
280.50 | 14,042.90 | 16.66 | 1,798.40 | 27.62 | 751 | 24.51 | 37.21 | |
1,618.70 | 12,813.85 | 26.38 | 2,020.70 | 25.46 | 491 | 14.85 | 45.33 | |
151.74 | 12,569.50 | 10.25 | 8,683.30 | 0.68 | -1,808 | #1 111.17 | 32.84 | |
883.30 | 11,761.50 | 12.74 | 3,879.60 | 10.07 | 857 | 18.87 | 57.56 | |
1,120.20 | 11,600.86 | 27.15 | 1,539.20 | 33.09 | 382 | 43.06 | 37.79 | |
861.40 | #10 9,322.60 | #7 21.77 | #10 1,175.90 | #1 36.51 | #9 378 | #3 35.41 | 45.05 |
Automatic Screeners on ScanX
Growth Rate
Revenue Growth
36.51 %
Net Income Growth
52.63 %
Cash Flow Change
-16.43 %
ROE
29.53 %
ROCE
3.95 %
EBITDA Margin (Avg.)
1.48 %
Quarterly Financial Results
Balance Sheet
| Balance Sheet | 2021 | 2022 | 2023 | 2024 | 2025 |
| Total Assets | 0 | 3,221 | 4,296 | 5,794 | 7,748 |
| Fixed Assets | 0 | 17 | 24 | 30 | 29 |
| Current Assets | 0 | 403 | 612 | 541 | 537 |
| Capital Work in Progress | 0 | 0 | 0 | 0 | 0 |
| Investments | 0 | 175 | 47 | 158 | 315 |
| Other Assets | 0 | 3,029 | 4,224 | 5,607 | 7,403 |
| Total Liabilities | 0 | 3,221 | 4,296 | 5,794 | 7,748 |
| Current Liabilities | 0 | 75 | 66 | 80 | 114 |
| Non Current Liabilities | 0 | 2,070 | 2,989 | 3,415 | 4,925 |
| Total Equity | 0 | 1,076 | 1,241 | 2,299 | 2,709 |
| Reserve & Surplus | 0 | 1,032 | 1,197 | 2,245 | 2,654 |
| Share Capital | 0 | 44 | 44 | 54 | 54 |
Cash Flow
| Cash Flow | 2021 | 2022 | 2023 | 2024 | 2025 |
| Net Cash Flow | 216 | -89 | 217 | -249 | 70 |
| Investing Activities | 77 | -186 | 163 | -236 | -61 |
| Operating Activities | -421 | -495 | -852 | -1,232 | -1,435 |
| Financing Activities | 560 | 592 | 907 | 1,220 | 1,566 |
Share Holding
| % Holding | Aug 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sept 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sept 2025 |
| Promoter | 56.74 % | 48.30 % | 48.30 % | 48.22 % | 48.14 % | 48.00 % | 47.92 % | 47.90 % | 47.71 % |
| FIIs | 0.00 % | 0.00 % | 5.28 % | 5.16 % | 5.76 % | 6.24 % | 6.94 % | 7.96 % | 8.01 % |
| DIIs | 0.00 % | 11.18 % | 16.09 % | 17.53 % | 21.87 % | 20.67 % | 18.52 % | 17.68 % | 21.00 % |
| Government | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 0.00 % |
| Public / Retail | 0.00 % | 7.47 % | 3.60 % | 3.58 % | 4.21 % | 5.08 % | 6.65 % | 7.65 % | 8.98 % |
| Others | 43.26 % | 33.06 % | 26.74 % | 25.50 % | 20.01 % | 20.02 % | 19.97 % | 18.82 % | 14.29 % |
| No of Share Holders | 83 | 2,92,868 | 64,293 | 54,929 | 52,748 | 53,706 | 55,264 | 65,803 | 65,949 |
Dividend History
| Annual Cash Flows | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Dividend Per Share (₹) | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 5 |
| Dividend Yield (%) | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.57 |
Corporate Action
| Record Date | Corporate Action | Information | Announcement Day | LTP at Annoucement | LTP at Record Day |
|---|---|---|---|---|---|
| 19 Apr 2024 |  Extraordinary General Meeting | NA | 19 Apr 2024 | 554.95 | 578.95 |
| 19 Jun 2024 |  Annual General Meeting | NA | 19 Jun 2024 | 585.05 | 724.70 |
| 25 Oct 2024 |  Quarterly Result Announcement | NA | 25 Oct 2024 | 720.35 | 688.30 |
| 06 Feb 2025 | Quarterly Result Announcement | NA | 06 Feb 2025 | 642.85 | 671.65 |
| 09 May 2025 | Quarterly Result Announcement | NA | 09 May 2025 | 866.20 | 850.75 |
| 04 Jul 2025 |  Dividend | ₹ 5.00 /share | 04 Jul 2025 | 850.75 | 876.15 |
| 28 Jul 2025 | Annual General Meeting | NA | 28 Jul 2025 | 877.40 | 935.05 |
| 07 Aug 2025 | Quarterly Result Announcement | NA | 07 Aug 2025 | 918.65 | 908.75 |
| 04 Nov 2025 | Quarterly Result Announcement | NA | 04 Nov 2025 | 878.95 | 886.30 |
Announcements
Announcement under Regulation 30 (LODR)-Credit Rating4 days ago
4 days agoAnnouncement under Regulation 30 (LODR)-Issue of Securities4 days ago
4 days agoCompliances-Reg. 50 (1) - Prior intimation about Board meeting under Regulation 50(1)7 days ago
7 days agoBoard Meeting Intimation for Intimation Of Asset Liability Management Committee Meeting For Raising Of Funds By Way Of Issuance Of Secured Reedemable Non- Convertible Debentures7 days ago
7 days agoAnnouncement under Regulation 30 (LODR)-Analyst / Investor Meet - Intimation8 days ago
8 days agoAnnouncement under Regulation 30 (LODR)-Allotment of ESOP / ESPSNov 13, 2025
Nov 13, 2025Announcement under Regulation 30 (LODR)-Earnings Call TranscriptNov 11, 2025
Nov 11, 2025Announcement under Regulation 30 (LODR)-Newspaper PublicationNov 05, 2025
Nov 05, 2025Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - OutcomeNov 04, 2025
Nov 04, 2025Announcement Under Regulation 30 Of SEBI (LODR) 2015Nov 04, 2025
Nov 04, 2025Announcement Under Regulation 30Nov 04, 2025
Nov 04, 2025Announcement under Regulation 30 (LODR)-Press Release / Media ReleaseNov 04, 2025
Nov 04, 2025Announcement under Regulation 30 (LODR)-Investor PresentationNov 04, 2025
Nov 04, 2025Financial Results For Quarter And Half Year Ended September 30 2025Nov 04, 2025
Nov 04, 2025Board Meeting Outcome for Outcome Of Board Meeting: 1. Unaudited Financial Results For The Quarter And Half Year Ended September 30 2025 2. Approval For Voluntary Liquidation Of Wholly Owned Subsidiary Of The CompanyNov 04, 2025
Nov 04, 2025Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - IntimationOct 31, 2025
Oct 31, 2025Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - IntimationOct 28, 2025
Oct 28, 2025Board Meeting Intimation for Board Meeting IntimationOct 27, 2025
Oct 27, 2025Announcement under Regulation 30 (LODR)-Allotment of ESOP / ESPSOct 15, 2025
Oct 15, 2025Compliances-Certificate under Reg. 74 (5) of SEBI (DP) Regulations 2018Oct 03, 2025
Oct 03, 2025Closure of Trading WindowSep 25, 2025
Sep 25, 2025Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - IntimationSep 22, 2025
Sep 22, 2025Announcement under Regulation 30 (LODR)-Allotment of ESOP / ESPSSep 22, 2025
Sep 22, 2025ESOP Scheme 2025Sep 17, 2025
Sep 17, 2025Announcement under Regulation 30 (LODR)-Allotment of ESOP / ESPSAug 29, 2025
Aug 29, 2025Announcement Under Regulation 30 (LODR) - ESOP Grant IntimationAug 21, 2025
Aug 21, 2025Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - IntimationAug 13, 2025
Aug 13, 2025Announcement under Regulation 30 (LODR)-Earnings Call TranscriptAug 13, 2025
Aug 13, 2025Announcement under Regulation 30 (LODR)-Allotment of ESOP / ESPSAug 11, 2025
Aug 11, 2025Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - OutcomeAug 08, 2025
Aug 08, 2025Announcement under Regulation 30 (LODR)-Newspaper PublicationAug 08, 2025
Aug 08, 2025Announcement under Regulation 30 (LODR)-Raising of FundsAug 07, 2025
Aug 07, 2025Announcement under Regulation 30 (LODR)-Investor PresentationAug 07, 2025
Aug 07, 2025Announcement under Regulation 30 (LODR)-Press Release / Media ReleaseAug 07, 2025
Aug 07, 2025Unaudited Financial Results Of The Company For The Quarter Ended June 30 2025Aug 07, 2025
Aug 07, 2025Board Meeting Outcome for Outcome Of The Board MeetingAug 07, 2025
Aug 07, 2025Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - IntimationJul 31, 2025
Jul 31, 2025Board Meeting Intimation for Board Meeting Intimation For Unaudited Quarterly Results For Quarter Ended June 2025 And Fund RaisingJul 31, 2025
Jul 31, 2025UpdatesJul 28, 2025
Jul 28, 2025Shareholder Meeting / Postal Ballot-Scrutinizers ReportJul 28, 2025
Jul 28, 2025Shareholder Meeting / Postal Ballot-Outcome of AGMJul 28, 2025
Jul 28, 2025Disclosures under Reg. 29(2) of SEBI (SAST) Regulations 2011Jul 10, 2025
Jul 10, 2025Compliances-Certificate under Reg. 74 (5) of SEBI (DP) Regulations 2018Jul 10, 2025
Jul 10, 2025Announcement under Regulation 30 (LODR)-Allotment of ESOP / ESPSJul 08, 2025
Jul 08, 2025General- UpdatesJul 05, 2025
Jul 05, 2025Reg. 34 (1) Annual Report.Jul 04, 2025
Jul 04, 2025Shareholding Meeting- AGM On 28 July 2025Jul 04, 2025
Jul 04, 2025Announcement Under Regulation 30 (LODR)- General UpdatesJul 04, 2025
Jul 04, 2025Announcement under Regulation 30 (LODR)-Newspaper PublicationJul 04, 2025
Jul 04, 2025Shareholding Meeting- AGM To Be Held On 28 July 2025Jul 03, 2025
Jul 03, 2025Mutual Fund Holdings
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RSI(14)
Neutral 49.22
ATR(14)
Less Volatile 26.49
STOCH(9,6)
Neutral 67.30
STOCH RSI(14)
Neutral 57.90
MACD(12,26)
Bullish 2.28
ADX(14)
Weak Trend 15.00
UO(9)
Bearish 52.43
ROC(12)
Uptrend And Accelerating 3.66
WillR(14)
Neutral -52.87
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