| 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
886.60
-0.10
(-0.01%)
Company has added their latest Presentation20 hours ago
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Key Fundamentals
Market Cap
9,596.40 Cr
EPS
35.18
PE Ratio
21.57
Dividend Yield
0.56 %
Industry
Financial Services 52 Week High
1,011.75
52 Week Low
607.00
PB Ratio
3.30
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 Corporation Limited granted 13,73,500 stock options with a face value of Rs. 5 each to eligible employees under its Employee Stock Option Scheme 2025. The grant was approved by the Nomination and Remuneration Committee on November 4, 2025. The options can be exercised within 5 years and 3 months from the date of first vesting as per the ESOP 2025 scheme. The scheme complies with SEBI regulations for share-based employee benefits. The options are yet to be exercised, so no diluted earnings per share impact has been calculated.
IndiaShelter Finance Corporation delivered strong quarterly results with Assets Under Management growing 31% year-on-year to Rs. 9,252 crores. The company reported disbursements of Rs. 1,817 crores, up 12% year-on-year. Profit after tax increased 35% to Rs. 122 crores compared to Rs. 90 crores in the same quarter last year. Net income grew 30% year-on-year to Rs. 260 crores. The company maintained asset quality with gross Stage 3 assets at 1.2% and net Stage 3 at 0.9%. Return on Assets stood at 5.8% while Return on Equity reached 17.0%. The company expanded its network by adding 9 new branches during the quarter, bringing total locations to 299 across 15 states. Cost of funds improved by 10 basis points quarter-on-quarter to 8.5%, while spreads expanded to 6.4%. The company maintains a liquidity buffer of Rs. 2,082 crores and continues to focus on affordable home loans for underserved segments in Tier 2 and 3 cities.
India Shelter Finance aims to achieve sustained AUM growth of over 30% through branch expansion, technology-driven underwriting, and deeper penetration in Tier-II and Tier-III markets. The company maintains strong asset quality with gross NPA below 1.2% and holds an AA- rating to support its affordable housing growth strategy.
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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 |
|---|---|---|---|---|---|---|---|---|
109.54 | #1 91,580.70 | 40.29 | 9,576.00 | 25.71 | 2,163 | 20.87 | 44.73 | |
574.00 | 31,658.90 | #1 5.72 | #1 28,110.70 | 3.05 | #1 5,443 | 1.63 | 49.46 | |
931.65 | 24,433.10 | 11.29 | 7,691.60 | 8.99 | 1,936 | 23.82 | 65.00 | |
509.20 | 22,057.40 | 23.25 | 3,108.90 | 20.17 | 912 | 18.59 | 46.43 | |
186.22 | 15,733.00 | 12.15 | 8,683.30 | 0.68 | -1,808 | #1 111.17 | 69.98 | |
294.45 | 15,086.70 | 17.51 | 1,798.40 | 27.62 | 751 | 24.51 | 35.85 | |
1,641.30 | 13,057.70 | 26.47 | 2,020.70 | 25.46 | 491 | 14.85 | 49.08 | |
1,195.90 | 12,993.70 | 27.36 | 1,539.20 | 33.09 | 382 | 43.06 | 44.50 | |
861.60 | 11,512.50 | 12.45 | 3,879.60 | 10.07 | 857 | 18.87 | 66.78 | |
886.60 | #10 9,596.40 | #6 21.57 | #10 1,175.90 | #1 36.51 | #9 378 | #3 35.41 | 51.32 |
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 | 0.56 |
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 |
| 04 Nov 2025 | Quarterly Result Announcement | NA | 04 Nov 2025 | 878.95 | 886.30 |
Announcements
Announcement under Regulation 30 (LODR)-Newspaper Publication
1 hour ago
1 hour agoAnnouncement under Regulation 30 (LODR)-Analyst / Investor Meet - Outcome15 hours ago
15 hours agoAnnouncement Under Regulation 30 Of SEBI (LODR) 201520 hours ago
20 hours agoAnnouncement Under Regulation 3020 hours ago
20 hours agoAnnouncement under Regulation 30 (LODR)-Press Release / Media Release20 hours ago
20 hours agoAnnouncement under Regulation 30 (LODR)-Investor Presentation20 hours ago
20 hours agoFinancial Results For Quarter And Half Year Ended September 30 202521 hours ago
21 hours agoBoard 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 Company21 hours ago
21 hours agoAnnouncement under Regulation 30 (LODR)-Analyst / Investor Meet - Intimation4 days ago
4 days agoAnnouncement under Regulation 30 (LODR)-Analyst / Investor Meet - Intimation8 days ago
8 days agoBoard Meeting Intimation for Board Meeting Intimation8 days ago
8 days agoAnnouncement 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, 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, 2025Mutual Fund Holdings
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RSI(14)
Neutral 51.32
ATR(14)
Less Volatile 20.07
STOCH(9,6)
Neutral 40.22
STOCH RSI(14)
Neutral 75.74
MACD(12,26)
Bullish 1.19
ADX(14)
Weak Trend 8.48
UO(9)
Bearish 48.48
ROC(12)
Uptrend And Accelerating 1.90
WillR(14)
Neutral -48.06
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