India Shelter Finance Corporation Ltd (INDIASHLTR)
₹615.70
Mkt cap
₹6,726 Cr
P/E ratio
12.70
P/B
2.09
Div yield
1.62%
ROE
17.10%
ROCE
12.90%
EPS (TTM)
₹48.48
Book value
₹294
52W range
592–924
Sector
Financial Services
Price history
Previous close
Incorporated in 1998, India Shelter Finance Corporation Limited is engaged in the business of housing finance. [1]
NSE INDIASHLTRBSE 544044
Health check
Cautious
ValuationFair
ProfitabilityAverage
TechnicalsBearish
52-week range
−33.37% from high₹616
₹592+3.93% from low₹924
Current
₹615.70
Prev close
₹627.70
Day
−1.91%
Price performance
1D
−2.34%
1W
−0.06%
1M
−4.18%
3M
−14.78%
6M
−25.25%
1Y
−31.07%
YTD
−24.94%
Financials
Revenue, profit & margin
P/E ratio
12.7×
INDIASHLTR is 8% above the sector median of 11.8×
INDIASHLTR12.7×
Sector median11.8×
| 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 | Trend | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 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 | |
| Expenses | 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% | |
| Other Income | 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% | |
| Net Profit | 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 |
Earnings
Results dates & reactionsNext results
5 Nov '26
Fresh quarters land in the Financials table above, tagged NSE until screener catches up.
Avg earnings-day move −5.84% · closed higher next day 0 of last 1
| Q1FY27 | |
|---|---|
| Broadcast | 6 Aug '26 |
| Earnings day | −5.84% |
| +1 day | −12.55% |
| +5 days | −8.73% |
| +15 days | −11.57% |
| +30 days | −8.20% |
| Filing | XBRL |
Corporate actions
Last 6 monthsNo recent corporate actions
Dividends, splits, and bonuses in the last six months show up here.
Results analysis
Shareholding
as of Sep 202645.91%Promoter
Promoters45.91%0.14
FIIs7.35%0.49
DIIs21.42%0.50
Public25.33%0.18
Ownership trend
Peers
8 companiesValuation vs quality
P/E × ROCE · bubble = market cap| Name | CMP | P/E | Mkt Cap | Div Yld | NP Qtr | Qtr Profit Var | Sales Qtr | Qtr Sales Var | ROCE |
|---|---|---|---|---|---|---|---|---|---|
| Bajaj Housing | ₹77.42 | 22.90 | 64,509 | 0.00% | 757 | +17.73% | 3,251 | +18.29% | 8.85% |
| Piramal Finance. | ₹1,817.00 | 74.41 | 42,996 | 0.61% | 545 | +32.08% | 3,659 | +27.43% | 6.47% |
| PNB Housing | ₹1,060.00 | 11.76 | 27,645 | 0.75% | 617 | +6.01% | 2,423 | +13.88% | 9.40% |
| LIC Housing Fin. | ₹493.70 | 4.61 | 27,157 | 2.03% | 1,507 | +11.65% | 7,194 | +0.21% | 8.59% |
| Aadhar Hsg. Fin. | ₹420.10 | 15.97 | 18,417 | 0.00% | 282 | +19.00% | 993 | +17.06% | 11.38% |
| Sammaan Capital | ₹116.74 | — | 13,560 | 0.00% | 243 | −27.22% | 1,652 | −31.18% | 4.92% |
| Home First Finan | ₹1,072.00 | 18.09 | 11,210 | 0.49% | 170 | +29.08% | 567 | +18.79% | 11.13% |
| INDIA SHELTE FIN | ₹615.70 | 12.72 | 6,726 | 1.62% | 143 | +19.95% | 432 | +19.80% | 12.86% |
| Median: 14 Co. | ₹456.90 | 11.76 | 10,396 | 0.68% | 252 | +18.37% | 865 | +14.63% | 9.66% |
Filings
Concall transcripts32
TranscriptAug 2026PPTAug 2026RECAug 2026TranscriptMay 2026PPTMay 2026RECMay 2026TranscriptFeb 2026PPTFeb 2026TranscriptNov 2025PPTNov 2025RECNov 2025TranscriptAug 2025PPTAug 2025RECAug 2025TranscriptMay 2025PPTMay 2025TranscriptFeb 2025PPTFeb 2025TranscriptFeb 2025PPTFeb 2025TranscriptOct 2024PPTOct 2024RECOct 2024TranscriptAug 2024
Credit ratings6
Announcements5
Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - Intimation 28 Oct - Intimation for the quarterly Earnings Call scheduled on November 06, 2026Board Meeting Intimation for Unaudited Financial Results For The Quarter And Half Year Ended September 30, 2026 28 Oct - Board meeting on November 5, 2026 to approve Q2 and half-year FY2026 unaudited results.Announcement under Regulation 30 (LODR)-Credit Rating 28 Oct - CARE reaffirms CARE AAA(SO) rating for Series A1 PTCs of ₹87.46 crore; ₹65.27 crore outstanding.Announcement under Regulation 30 (LODR)-Allotment of ESOP / ESPS 27 Oct - Intimation of allotment of equity shares under ESOP schemes of the companyCompliances-Certificate under Reg. 74 (5) of SEBI (DP) Regulations, 2018 6 Oct - Submitted Regulation 74(5) certificates for quarter ended September 30, 2026.