INDIASHLTR

India Shelter Finance Corporation Ltd.

NSE: INDIASHLTR

BSE: 544044

Sector: Financial Services

Industry Group: Finance

Industry: Housing Finance Company

815.35-4.6 (-0.57%)

17 Jul, 12:00 AM

Overview

Analysis Statements Technicals Forecast Peers Resources News

Stock Scores

Quality Score

54.3 / 100

Value Score

55.2 / 100

Price Momentum Score

57.1 / 100

QVM Score

57.7 / 100

Key Metrics

Market Cap

8875.49

P/E (TTM)

17.64

P/B

2.78

P/S (TTM)

5.81

EV/EBITDA

20.66

CAPE (5Y)

31.22

ROE (TTM)

17.04

ROCE (TTM)

8.10

ROA (TTM)

5.80

Avg 3Y ROE

15.37

Earnings 3Y CAGR

45.78

Sales 3Y CAGR

37.77

Sales 5Y CAGR

37.00

Debt/Equity

1.95

Consensus TP

1002.00

Strong Buy %

66.67

Promoter Holding

47.54

Pledged %

0.00

Stock Analysis

Fundamental analysis overview of India Shelter Finance Corporation Ltd. covering key investment insights, growth drivers, risk factors, and potential red flags.

Views

Red Flags

Positive

Analysts have been raising forward EPS estimates

Analyst EPS estimate (consensus) for forward EPS has increased by 2.54% in the last 3 months, indicating earnings momentum

What is Earnings upgrade (3M)?

Not enough data

High and improving ROE

The company reported strong ROE of 17.04% for 12-month ended 31 Mar 2026 and ROE improved by 195 bps from 1 year ago

What is ROE (FY)?

High and improving operating margin

The company reported strong operating margin of 45.37% for 12-month ended 31 Mar 2026 and operating margin improved by 186 bps from 1 year ago

What is Operating profit margin?

Strong revenue growth and above median growth of industry

The company delivered strong revenue growth of 31.12% for 12-month ended 31 Mar 2026 and the growth was 20.12 percentage points higher than median growth of industry

What is Sales growth (1Y)?

Median: 11

Value 31.12

-31.2666.22

Strong EPS growth and above median growth of industry

The company delivered strong EPS growth of 32.51% for 12-month ended 31 Mar 2026 and the growth was 22.56 percentage points higher than median growth of industry

What is EPS growth (1Y)?

Negative

Low dividend yield

The company has a low dividend yield of 0.61%

What is Dividend yield?

Neutral

Reasonably valued but PB is at a premium to industry median P/B

PB of 2.78 indicates that the stock is reasonably valued on a standalone basis but is at a 58.86% premium to industry median P/B

What is P/B Ratio?

Median: 1.75

Value 2.78

0.3911.2

Reasonable Debt to Equity, and has been stable

The company has reasonable Debt to Equity of 1.95 as on 31 Mar 2026 and Debt to Equity increased marginally by 0.12 in the last 1 year

What is Debt to Equity?

Financial Snapshot

See detailed analysis

Multi-year trends for India Shelter Finance Corporation Ltd. covering revenue, net profit, ROE, and EBITDA for a quick view of financial health over time.

Net Revenue FY

Profit After Tax FY

ROE FY

ROA FY

India Shelter Finance Corporation Ltd. Shareholding Pattern

Quarterly breakdown of India Shelter Finance Corporation Ltd. ownership including promoter, FII, DII, mutual fund, and public holdings as disclosed to NSE/BSE.

	Jul 2015	Aug 2016	Jul 2017	Jun 2018	Aug 2019	Mar 2020	Mar 2021	Mar 2022	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026
Total Promoter	9.14	2.38	2.05	0.82	0.00	2.28	2.55	59.23	48.30	48.30	48.22	48.14	48.00	47.92	47.90	47.71	47.60	47.54
Indian Promoter	9.14	2.38	2.05	0.82	0.00	2.28	2.55	1.88	1.47	1.47	1.47	1.46	1.46	1.46	1.46	1.45	1.45	1.44
Foreign Promoter	0.00	0.00	0.00	0.00	0.00	0.00	0.00	57.35	46.83	46.83	46.76	46.68	46.54	46.46	46.45	46.26	46.15	46.09
Institutions	79.56	0.00	0.00	91.34	0.00	5.56	89.74	29.45	18.46	21.37	22.69	27.63	26.91	25.46	25.64	29.01	28.20	28.26
Mutual Funds / UTI	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	9.93	13.23	14.03	14.59	13.96	12.33	11.51	14.67	13.21	13.64
FI/Bank/Insurance	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	1.24	1.19	2.86	6.65	6.06	5.41	5.36	5.48	5.66	5.47
Govt	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	-	-	-	-	-	-	-	-	-	-
FII	79.56	0.00	0.00	91.34	0.00	0.00	89.74	29.45	5.84	5.28	5.16	5.77	6.23	6.93	7.96	8.02	7.48	6.87
Other Institutions	0.00	0.00	0.00	0.00	0.00	5.56	0.00	0.00	1.45	1.67	0.64	0.63	0.64	0.78	0.80	0.85	1.85	2.28
Non-Institution	11.30	97.62	97.95	7.84	100.00	92.16	7.71	11.32	33.25	30.33	29.09	24.22	25.10	26.63	26.46	23.27	24.20	24.21
Bodies Corporate	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.40	0.25	0.26	0.83	0.50	0.63	0.79	1.04	1.22	1.07
Others (incl. Retail) No. of shareholders	11.30 0	97.62 7	97.95 8	7.84 3	100.00 0	92.16 0	7.71 0	11.32 0	32.85 1,14,144	30.08 64,180	28.83 54,761	23.39 52,501	24.60 53,473	26.00 54,944	25.67 65,336	22.23 65,434	22.98 62,072	23.14 58,594

Holdings and Presence

Indices and prominent investors with a stake in this stock.

Index Presence

#	Index	Weight	Rank
1	SHI: Housing Finance Company	5.32%	10 / 12
2	Nifty Microcap 250	0.38%	98 / 250
3	Nifty Total Market	0.02%	559 / 749

Bulk, Block and Insider Trades

Recent bulk deals, block deals, and insider trading activity in India Shelter Finance Corporation Ltd. shares as reported to NSE and BSE.

Name	Date	Type	Price	Qty.	Value
NEXUS VENTURES III LIMITED	08 Jul 2025	sell	₹ 850.88	36.71 lac	₹ 312.38 cr
NEXUS OPPORTUNITY FUND II LIMITED	08 Jul 2025	sell	₹ 850.85	13.29 lac	₹ 113.08 cr
KOTAK MAHINDRA MUTUAL FUND	08 Jul 2025	buy	₹ 850.87	45.29 lac	₹ 385.35 cr
Sbi Life Insurance Company Ltd	16 Sep 2024	buy	₹ 752.35	6.70 lac	₹ 50.41 cr
Patronus Research Llp	16 Sep 2024	sell	₹ 752.68	8.14 k	₹ 61.31 lac
Patronus Research Llp	16 Sep 2024	buy	₹ 752.30	6.26 lac	₹ 47.06 cr
Nexus Ventures Iii Limited	16 Sep 2024	sell	₹ 753.27	49.53 lac	₹ 373.10 cr
Nexus Opportunity Fund Ii Limited	16 Sep 2024	sell	₹ 752.35	14.47 lac	₹ 108.86 cr
Icici Prudential Life Insurance Company Limited	16 Sep 2024	buy	₹ 752.35	7.70 lac	₹ 57.93 cr
Goldman Sachs Funds Goldman Sachs India Equity Portfolio	16 Sep 2024	buy	₹ 752.35	7.42 lac	₹ 55.85 cr

Corporate Actions

History of India Shelter Finance Corporation Ltd. dividends, bonus issues, stock splits, rights issues, and other corporate events.

Dividend₹ 10/share
Record date: 19th Jun 2026Ex-date: 19th Jun 2026
Announced on: 3rd May 2026
Dividend₹ 5/share
Record date: 4th Jul 2025Ex-date: 4th Jul 2025
Announced on: 10th May 2025

Company Profile

Overview of India Shelter Finance Corporation Ltd. covering business description, industry classification, key management, financial ratios, and listed exchange details.

India Shelter Finance Corporation Limited is an India-based retail-focused affordable housing finance company. The Company is engaged in providing secured retail home loans, home equity loans, and loans against property to borrowers. The Company provides credit for middle-income households for the p...

Key personnel

Mr. Ashish Gupta

Chief Financial Officer

Ms. Mukti Chaplot

Compliance Officer, Company Secretary

Mr. Aman Saini

Business Head

Ms. Mukti Chaplot

Company Secretary

Mr. Sudhin Bhagwandas ChokseyD

Non-Executive Chairman of the Board

Mr. Rupinder SinghD

Chief Executive Officer, Managing Director, Executive Director

Mr. Anup GuptaD

Director

Mr. Sumir ChadhaD

Non-Executive Non-Independent Director

View all

Incorporated on

26 Oct 1998

Last Annual

31 Mar 2026

Last Interim

31 Mar 2026

No. of Employees

4,800

IPO date

20 Dec 2023

Free Float

5,60,64,052

Website

https://www.indiashelter.in/

Phone no.

+911244131800

Address

6TH FLOOR, PLOT NO. 15, SECTOR - 44, INSTITUTIONAL AREA, , 122002, India

Frequently Asked Questions

What is the current share price of India Shelter Finance Corporation Ltd.?

The current share price of India Shelter Finance Corporation Ltd. is ₹ 815.35 as of 17 Jul 2026.

What is the market capitalisation of India Shelter Finance Corporation Ltd.?

The market capitalisation of India Shelter Finance Corporation Ltd. stands at ₹ 8,875.49 Cr.

What is the PE ratio of India Shelter Finance Corporation Ltd.?

The Price-to-Earnings (PE) ratio of India Shelter Finance Corporation Ltd. is 17.64 as of the latest trailing twelve months data.

What is the ROE and ROCE of India Shelter Finance Corporation Ltd.?

India Shelter Finance Corporation Ltd. has a Return on Equity (ROE) of 17.04% and a Return on Capital Employed (ROCE) of 8.10% as per the latest financial reports.

What is the 52-week high and low of India Shelter Finance Corporation Ltd.?

The 52-week high of India Shelter Finance Corporation Ltd. is - and the 52-week low is -.

What is the dividend yield of India Shelter Finance Corporation Ltd.?

The dividend yield of India Shelter Finance Corporation Ltd. is 0.61% based on the current market price.

What is the FII and DII holding in India Shelter Finance Corporation Ltd.?

Foreign Institutional Investors (FII) hold 6.87%, Domestic Institutional Investors (DII) hold 19.11% and retail/public investors hold 23.14% of India Shelter Finance Corporation Ltd. shares.

What sector does India Shelter Finance Corporation Ltd. belong to?

India Shelter Finance Corporation Ltd. operates in the Financial Services sector. 100% of analysts have a Buy or Strong Buy rating on India Shelter Finance Corporation Ltd. with a consensus target price of ₹ 1,002.00, implying 22.89% upside from current levels.

What is the beta of India Shelter Finance Corporation Ltd.?

The beta of India Shelter Finance Corporation Ltd. is 0.58, indicating its price volatility relative to the broader market. Over the past 1 year, India Shelter Finance Corporation Ltd. has delivered an absolute return of -13.04%.

What is the RSI of India Shelter Finance Corporation Ltd.?

The 14-day Relative Strength Index (RSI) of India Shelter Finance Corporation Ltd. is 59.97, placing it in the neutral zone. An RSI above 70 is considered overbought and below 30 is considered oversold.

India Shelter Finance Corporation Ltd.

Stock Scores

Key Metrics

Share Price

Stock Analysis

Financial Snapshot

India Shelter Finance Corporation Ltd. Shareholding Pattern

Holdings and Presence

Bulk, Block and Insider Trades

Corporate Actions

Company Profile

Frequently Asked Questions

Stock Analysis

Holdings and Presence

Corporate Actions

Company Profile