| 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 |
Revenue  | 148 | 144 | 156 | 177 | 188 | 211 | 218 | 244 | 261 | 283 | 304 | 327 | 361 |
| Expenses | 39 | 45 | 44 | 51 | 57 | 60 | 61 | 67 | 73 | 79 | 85 | 83 | 97 |
| EBITDA | 109 | 100 | 113 | 126 | 131 | 151 | 158 | 178 | 188 | 205 | 219 | 244 | 265 |
| Operating Profit % | 72 % | 68 % | 71 % | 70 % | 69 % | 71 % | 71 % | 71 % | 71 % | 72 % | 72 % | 75 % | 73 % |
| Depreciation | 2 | 2 | 2 | 2 | 2 | 2 | 3 | 3 | 3 | 3 | 3 | 3 | 3 |
| Interest | 43 | 50 | 58 | 56 | 68 | 72 | 74 | 75 | 77 | 85 | 92 | 102 | 107 |
| Profit Before Tax | 64 | 47 | 53 | 68 | 61 | 77 | 81 | 100 | 108 | 117 | 124 | 140 | 155 |
| Tax | 15 | 11 | 12 | 15 | 14 | 17 | 19 | 22 | 25 | 27 | 28 | 32 | 36 |
| Net Profit | 50 | 36 | 40 | 53 | 47 | 60 | 62 | 78 | 84 | 90 | 96 | 108 | 119 |
| 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 |
India Shelter Finance
India Shelter Finance
864.80
-25.35
(-2.85%)
Market Cap
9,607.80 Cr
EPS
35.18
PE Ratio
23.27
Dividend Yield
0.56 %
Industry
Financial Services52 Week High
1,011.75
52 Week Low
607.00
PB Ratio
3.55
Debt to Equity
1.67
Sector
Housing Finance
Investment Returns
In Long Term
In Short Term
1 Year
0.00%
2 Years
0.00%
3 Years
0.00%
4 Years
0.00%
5 Years
0.00%
Analyst Rating
- By Refinitiv from6 analysts
Company News
View All News
India Shelter Finance Reports 43% PAT Growth in Q1FY26, AUM Reaches Rs 8,712 CroresAug 13, 2025
India Shelter Finance Corporation delivered strong quarterly results with profit after tax rising 43% year-on-year to Rs 119 crores and 10% quarter-on-quarter. Assets under management grew 34% year-on-year to Rs 8,712 crores, while disbursements increased 24% to Rs 887 crores. Return on equity improved to 17.2%, crossing 17% for the first time post listing. The company added 24 new branches, bringing total presence to 290 branches. However, asset quality showed some stress with 30-plus days past due rising to 4.5% due to seasonal factors and macro conditions. Stage 3 assets increased to 1.2%, up 10 basis points year-on-year. Management maintained guidance of 30-35% loan growth, 40-50 basis points credit cost, and spreads above 6%. Cost of funds decreased by 10 basis points to 8.6% with expectations of further 20 basis points reduction by year-end. The company expects to maintain 60-40 split between home loans and loan against property products.
India Shelter Finance Corp Board Approves NCD Issuance Worth Up to ₹10 BillionAug 07, 2025
India Shelter Finance Corp's board has approved the issuance of Non-Convertible Debentures (NCDs) worth up to ₹10 billion. This approval enables the company to raise funds through debt instruments in the capital markets.
India Shelter Finance Reports 43% Jump in Quarterly Profit, Approves Rs 1,000 Crore NCD IssuanceAug 07, 2025
India Shelter Finance Corporation reported a standalone profit of Rs 1,192.35 crores for the quarter ended June 30, 2025, marking a 43% increase from Rs 833.30 crores in the same quarter last year. Total income rose to Rs 3,610.26 crores from Rs 2,604.45 crores year-on-year. The company's Board approved raising up to Rs 1,000 crores through Non-Convertible Debentures via private or public placement. Key financial metrics showed a net worth of Rs 28,343.89 crores, debt-equity ratio of 1.84 times, and gross NPA ratio of 1.24%. The company transferred 3,282 loan accounts worth Rs 2,588.73 crores through assignment and 689 accounts worth Rs 726.38 crores through co-lending during the quarter. Earnings per share stood at Rs 11.05 on a basic basis.
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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 |
|---|---|---|---|---|---|---|---|---|
111.26 | #1 93,155.50 | 41.10 | 9,576.00 | 25.71 | 2,163 | 20.87 | 41.69 | |
571.40 | 31,944.90 | #1 5.82 | #1 28,110.70 | 3.05 | #1 5,443 | 4.41 | 54.90 | |
526.80 | 23,324.70 | 24.65 | 3,108.90 | 20.17 | 912 | 18.59 | 63.19 | |
907.75 | 23,149.30 | 11.33 | 7,691.60 | 8.99 | 1,936 | 23.27 | 65.70 | |
316.65 | 16,034.60 | 20.11 | 1,798.40 | 27.62 | 751 | 27.65 | 39.25 | |
1,628.60 | 13,218.40 | 26.94 | 2,020.70 | 25.46 | 491 | 14.85 | 53.73 | |
1,228.40 | 13,202.80 | 32.05 | 1,539.20 | 33.09 | 382 | 35.42 | 50.86 | |
136.41 | 11,207.70 | 7.99 | 8,683.30 | -1.16 | -1,808 | 2.29 | 53.26 | |
762.60 | 10,356.10 | 11.75 | 3,879.60 | 10.07 | 857 | 12.17 | 58.19 | |
864.80 | #10 9,607.80 | #6 23.27 | #10 1,175.90 | #1 36.51 | #9 378 | #1 42.99 | 46.50 |
Automatic Screeners on ScanX
Forecast
Actual
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 | 2,463 | 3,221 | 4,296 | 5,794 | 7,748 |
| Fixed Assets | 15 | 17 | 24 | 30 | 29 |
| Current Assets | 457 | 403 | 612 | 541 | 537 |
| Capital Work in Progress | 0 | 0 | 0 | 0 | 0 |
| Investments | 0 | 175 | 47 | 158 | 315 |
| Other Assets | 2,448 | 3,029 | 4,224 | 5,607 | 7,403 |
| Total Liabilities | 2,463 | 3,221 | 4,296 | 5,794 | 7,748 |
| Current Liabilities | 34 | 75 | 66 | 80 | 114 |
| Non Current Liabilities | 1,491 | 2,070 | 2,989 | 3,415 | 4,925 |
| Total Equity | 937 | 1,076 | 1,241 | 2,299 | 2,709 |
| Reserve & Surplus | 894 | 1,032 | 1,197 | 2,245 | 2,654 |
| Share Capital | 43 | 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 |
| Promoter | 56.74 % | 48.30 % | 48.30 % | 48.22 % | 48.14 % | 48.00 % | 47.92 % | 47.90 % |
| FIIs | 0.00 % | 0.00 % | 5.28 % | 5.16 % | 5.76 % | 6.24 % | 6.94 % | 7.96 % |
| DIIs | 0.00 % | 11.18 % | 16.09 % | 17.53 % | 21.87 % | 20.67 % | 18.52 % | 17.68 % |
| Government | 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 % |
| Others | 43.26 % | 33.06 % | 26.74 % | 25.50 % | 20.01 % | 20.02 % | 19.97 % | 18.82 % |
| No of Share Holders | 83 | 2,92,868 | 64,293 | 54,929 | 52,748 | 53,706 | 55,264 | 65,803 |
Dividend History
Dividends per share (FY)
Dividend yield (FY) %
Dividends per share (FY)
Dividend yield (FY) %
| 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 | 0.56 |
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 |
Announcements
Closure of Trading Window
1 hour ago
1 hour agoAnnouncement under Regulation 30 (LODR)-Analyst / Investor Meet - Intimation2 days ago
2 days agoAnnouncement under Regulation 30 (LODR)-Allotment of ESOP / ESPS3 days ago
3 days agoESOP Scheme 20258 days ago
8 days agoAnnouncement 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, 2025Reg. 34 (1) Annual Report.Jul 03, 2025
Jul 03, 2025Reg. 34 (1) Annual Report.Jul 03, 2025
Jul 03, 2025Business Responsibility and Sustainability Reporting (BRSR)Jul 03, 2025
Jul 03, 2025AnnabciocJul 03, 2025
Jul 03, 2025Announcement under Regulation 30 (LODR)-Credit RatingJul 02, 2025
Jul 02, 2025Announcement under Regulation 30 (LODR)-Credit RatingJun 30, 2025
Jun 30, 2025Announcement Under Regulation 30 (LODR)- Record Date IntimationJun 28, 2025
Jun 28, 2025Corporate Action- Fixes Record Date For July 04 2025Jun 28, 2025
Jun 28, 2025Closure of Trading WindowJun 25, 2025
Jun 25, 2025Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - IntimationJun 11, 2025
Jun 11, 2025Compliances-Reg.24(A)-Annual Secretarial ComplianceMay 27, 2025
May 27, 2025Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - IntimationMay 22, 2025
May 22, 2025Announcement under Regulation 30 (LODR)-Earnings Call TranscriptMay 15, 2025
May 15, 2025Announcement under Regulation 30 (LODR)-Allotment of ESOP / ESPSMay 14, 2025
May 14, 2025Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - OutcomeMay 12, 2025
May 12, 2025Announcement under Regulation 30 (LODR)-Newspaper PublicationMay 10, 2025
May 10, 2025Appointment Of Secretarial Auditor Of The CompanyMay 09, 2025
May 09, 2025Intimation Of Grant Of 42000 Stock Options Under Employees Stock Option Scheme 2021 (ESOP 2021) Of The CompanyMay 09, 2025
May 09, 2025Announcement under Regulation 30 (LODR)-Investor PresentationMay 09, 2025
May 09, 2025Announcement under Regulation 30 (LODR)-Press Release / Media ReleaseMay 09, 2025
May 09, 2025Technical Indicators
RSI(14)
Neutral 39.22
ATR(14)
Volatile 25.46
STOCH(9,6)
Neutral 47.95
STOCH RSI(14)
Neutral 32.34
MACD(12,26)
Bearish -1.18
ADX(14)
Weak Trend 10.43
UO(9)
Bearish 40.76
ROC(12)
Downtrend And Accelerating -2.50
WillR(14)
Oversold -93.80
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