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India Shelter Finance Corporation Ltd

India Shelter Finance Corporation Ltd

INDIASHLTR Share Price

NSE
672.150.59% (+3.95)
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With a market cap of ₹7,357 cr, stock is ranked 710

Stock is 2.40x as volatile as Nifty

INDIASHLTR Stock Scorecard

Performance

Low

Hasn't fared well - amongst the low performers

Valuation

High

Seems to be overvalued vs the market average

Growth

Avg

Financials growth has been moderate for a few years

Profitability

Avg

Average profitability - not good, not bad

Entry point

Good

The stock is underpriced and is not in the overbought zone

Red flags

Avg

The stock has a moderate number of red flags

How to use scorecard? Learn more

With a market cap of ₹7,357 cr, stock is ranked 710

Stock is 2.40x as volatile as Nifty

INDIASHLTR Performance & Key Metrics

INDIASHLTR Performance & Key Metrics

No LabelNo LabelPB RatioPB RatioDividend YieldDiv. Yield
14.622.301.48%
Sector PESector PESector PBSector PBSector Div YldSctr Div Yld
16.632.141.30%

INDIASHLTR Analyst Ratings & Forecast

Detailed Forecast Detailed Forecast 
100%
Analysts have suggested that investors can buy this stock

from 8 analysts

Price Upside

Earnings Growth

Rev. Growth

See Detailed Forecast

INDIASHLTR Company Profile

India Shelter Finance Corporation Limited (ISFC) is a retail focused affordable housing finance company.

Investor Presentation

View older View older 

Aug 6, 2026

PDF
View Older Presentations

INDIASHLTR Similar Stocks (Peers)

Compare with peers Compare with peers 

INDIASHLTR Similar Stocks (Peers)

Compare with peers Compare with peers 
PE Ratio
13.31
13.31
1Y Return
46.02%
46.02%
Buy Reco %
92.31
92.31
PE Ratio
4.88
4.88
1Y Return
1.65%
1.65%
Buy Reco %
52.00
52.00
PE Ratio
-2.41
-2.41
1Y Return
9.70%
9.70%
Buy Reco %
0.00
0.00
PE Ratio
13.69
13.69
1Y Return
25.86%
25.86%
Buy Reco %
94.12
94.12
PE Ratio
23.09
23.09
1Y Return
6.07%
6.07%
Buy Reco %
90.91
90.91
Compare with Peers

INDIASHLTR Sentiment Analysis

INDIASHLTR Sentiment Analysis

New
Crisp summary & key insights to decode earnings calls instantly

INDIASHLTR Stock Summary · August 2026

Management’s message was that the business remains on a solid growth path, even as near-term reporting and asset-quality pressure temporarily distort the quarter. Gross AUM reached INR 11,284 crores, up 24% year on year, and management kept its full-year AUM growth target at 25% to 30%, while PAT rose 20% to INR 143 crores and ROE was 17.5%. The quarter was affected by a change in disbursement recognition from cheque handover to cheque realization, which lowered reported Q1FY27 disbursements to INR 641 crores versus bank clearance of INR 1,040 crores, though management said the shift has no P&L impact and should normalize over the next two to three quarters. They stressed that branch openings were intentionally back-ended, with most of the planned 40 to 45 additions for FY27 expected in the second and third quarters, and said funding, liquidity and spreads remain healthy. Against that, collections softened modestly, Stage 3 rose to 1.5%, and management expects pressure to stay around Q1 levels in Q2 before improving from Q3, with credit cost guidance still at 40 to 50 bps.

INDIASHLTR Stock Growth Drivers
INDIASHLTR Stock Growth Drivers
7
  • Supportive Macro and Structural Housing Finance Tailwinds

    The company described a constructive operating backdrop supported by strong domestic demand, healthy government capital

  • AI-Led Productivity and Customer Experience Enhancement

    Management is actively embedding AI across core functions, including business, credit, collections, operations, compliance, and

INDIASHLTR Stock Challenges
INDIASHLTR Stock Challenges
3
  • Rising Asset Quality Stress in the Core Borrower Base

    Asset quality has weakened meaningfully in the company’s predominantly self-employed, smaller-ticket lending book. Stage 3

  • Near-Term Collection Volatility and Delayed Recovery

    Collections have shown clear short-term deterioration, with collection efficiency temporarily disrupted to about 97% and

INDIASHLTR Forecast

INDIASHLTR Forecasts

Price

Revenue

Earnings

INDIASHLTR

INDIASHLTR

Income

Balance Sheet

Cash Flow

INDIASHLTR Income Statement

INDIASHLTR Income Statement

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Quarterdec 2023mar 2024jun 2024sep 2024dec 2024mar 2025jun 2025sep 2025dec 2025mar 2026
Total Revenue218.38244.42260.72283.40304.39327.42361.31369.24389.76408.27
Operating & Other expensessubtract134.77141.63149.83163.44177.04184.83203.28207.98226.51225.15
Depreciation/Amortizationsubtract2.453.122.822.812.992.982.783.193.313.10
Interest & Other Itemssubtract0.000.000.000.000.000.000.000.000.000.00
Taxes & Other Itemssubtract18.8421.7324.5427.0828.2331.4735.7936.0335.8842.44
EPS6.757.287.808.408.9410.0311.0711.2911.4412.66

INDIASHLTR Company Updates

Annual Report and Investor Presentation updates mentioned here are as reported by the company to the exchange
FY 2027FY 2027

Annual Report Pending

Investor Presentation

Aug 6PDF
FY 2026FY 2026

Annual report

PDF

Investor Presentation

May 2PDF
Feb 7PDF
Nov 4PDF
Aug 7PDF
FY 2025FY 2025

Annual report

PDF

Investor Presentation

May 9PDF
Feb 24PDF
Feb 6PDF
Oct 25PDF
FY 2024FY 2024

Annual report

PDF
 

INDIASHLTR Stock Peers

INDIASHLTR Past Performance & Peer Comparison

INDIASHLTR Past Performance & Peer Comparison

Comparing 3 stocks from 
FinancialsHome Financing

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StockPE RatioPE RatioPB RatioPB RatioDiv. YieldDividend Yield
India Shelter Finance Corporation Ltd14.622.301.48%
PNB Housing Finance Ltd13.311.590.68%
LIC Housing Finance Ltd4.880.662.01%
Sammaan Capital Ltd-2.410.79

INDIASHLTR Stock Price Comparison

Compare INDIASHLTR with any stock or ETF
Compare INDIASHLTR with any stock or ETF
INDIASHLTR
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INDIASHLTR Holdings

INDIASHLTR Shareholdings

INDIASHLTR Promoter Holdings Trend

INDIASHLTR Promoter Holdings Trend

Decreased Total Promoter Holding
Increasing promoter holding is considered good and reflects management’s positive view about the future outlook

In last 6 months, promoter holding in the company has decreased by 1.55%

High Pledged Promoter Holding
Lower pledged promoter holdings is considered better

A significant proportion of promoter holdings is pledged

INDIASHLTR Institutional Holdings Trend

INDIASHLTR Institutional Holdings Trend

Total Retail Holding
Increasing retail holding can be considered bad as it can reflect that institutions and promoters are selling their stake which is being absorbed by retail investors.

In last 3 months, retail holding in the company has almost stayed constant

Foreign Institutional Holding
Foreign Institutional Holding is quantum of stock held by foreign large-quantities-trading entities. Increasing value indicates growing support and comfort for the stock

In last 3 months, foreign institutional holding of the company has almost stayed constant

Tickertape Separator

INDIASHLTR Shareholding Pattern

INDIASHLTR Shareholding Pattern

Retail and OthersForeign InstitutionsOther Domestic InstitutionsMutual FundsTotal Promoter Holding46.05%14.85%7.07%6.87%25.16%

Sep 2025

Dec 2025

Mar 2026

Jun 2026

INDIASHLTR Shareholding History

INDIASHLTR Shareholding History

MarJunSepDec '25MarJun6.94%7.96%8.01%7.48%6.87%6.87%

Mutual Funds Invested in INDIASHLTR

Mutual Funds Invested in INDIASHLTR

No mutual funds holding trends are available

Top 5 Mutual Funds holding India Shelter Finance Corporation Ltd




Funds (Top 5)Market-cap heldWeight3M holding changePortfolio rank
(3M change)
7.2434%0.77%-0.17%65/74 (-5)
2.0215%0.49%-0.13%60/141 (-3)
1.1750%0.10%0.02%192/271 (-16)

Compare 3-month MF holding change on Screener

INDIASHLTR Insider Trades & Bulk Stock Deals

INDIASHLTR Insider Trades & Bulk Stock Deals

Hmm, looks like there hasn't been any net deal activity in the last 6 months

smallcases containing INDIASHLTR stock

smallcases containing INDIASHLTR stock

Looks like this stock is not in any smallcase yet.

INDIASHLTR Events

INDIASHLTR Events

INDIASHLTR Dividend Trend

No dividend trend available

Dividends

Corp. Actions

Announcements

Legal Orders

INDIASHLTR Dividend Trend

No dividend trend available

INDIASHLTR Upcoming Dividends

INDIASHLTR Upcoming Dividends

No upcoming dividends are available

INDIASHLTR Past Dividends

INDIASHLTR Past Dividends

Cash Dividend

Ex DateEx DateJun 19, 2026

Final
Final | Div/Share: ₹10.00

Dividend/Share

10.00

Ex DateEx Date

Jun 19, 2026

Cash Dividend

Ex DateEx DateJul 4, 2025

Final
Final | Div/Share: ₹5.00

Dividend/Share

5.00

Ex DateEx Date

Jul 4, 2025

INDIASHLTR Stock News & Opinions

INDIASHLTR Stock News & Opinions

Corporate
Corporate
India Shelter Finance Corporation’s employee stock options boosted paid-up share capital

India Shelter Finance Corporation Limited announced the allotment of 2,00,604 equity shares of Rs 5 each to employees through the exercise of vested stock options under its ESOP schemes on September 8, 2026. Consequently, the company's paid-up share capital increased to Rs 54,58,36,585, comprising 10,91,67,317 equity shares, up from Rs 54,48,33,565 and 10,89,66,713 shares previously.

1 day agoCapital Market - Live
Earnings
Earnings
India Shelter Finance Corporation Ltd consolidated sales up 4.74% on year in Q1FY2026, net profit registered a growth of 10.90%

India Shelter Finance Corporation Ltd share price headed higher 5.43% to Rs 682.55 after the company's net profit rose by 10.90% to Rs 137.59 crore, while revenue from operations slightly gained 4.74% to Rs 408.23 crore in Q1FY26 over Q4FY25. The market capitalization of Housing Finance Company industry group stocks on BSE stood at Rs 2.69 lakh crore, slipping 2.29%. It has softened by 2.15% over last one week and crept higher by 2.09% in last one month while the market capitalization of India Shelter Finance Corporation Ltd has slipped by 6.96% and 17.31% in the same period respectively. Profit before tax (PBT) of India Shelter Finance Corporation Ltd stood at Rs 180.03 crore in Q1 FY26, jumping 28.96% year-on-year, and climbing 12.55% quarter-on-quarter. EBITDA came in at Rs 183 crore, expanding by 28.62% YoY and improving 12.15% sequentially. Total expenses slightly declined by 0.68% to Rs 228.24 crore in Q1FY26 over Q1FY25. During the quarter, employee benefits expense was at Rs 79.43 crore, dipping slightly 1.10% YoY. For the TTM ended FY26, revenue from operations witnessed a strong growth of 31.12% to Rs 1528.39 crore, while net profit soared by 33.15% to Rs 503.15 crore, compared to previous TTM. EBITDA witnessed a strong improvement of 47999% to Rs 665.29 crore, and PBT soared 33.55% to Rs 653.29 crore compared to previous TTM. India Shelter Finance Corporation Ltd tumbled by 26.17% in last one year, underperforming the benchmark BSE Sensex which has slipped by 2.83% during the same period.

4 weeks agoCapital Market - Live
Corporate
Corporate
India Shelter Finance Corporation’s share capital increased following ESOP exercise

India Shelter Finance Corporation Limited announced the allotment of 1,12,158 equity shares of Rs 5/- each on August 12, 2026, following the exercise of Employee Stock Options under its ESOP schemes. Consequently, the company's paid-up share capital increased to Rs 54,48,33,565, comprising 10,89,66,713 equity shares, up from Rs 54,42,72,775 and 10,88,54,555 shares previously.

4 weeks agoCapital Market - Live
Corporate
Corporate
India Shelter Finance Corporation’s net profit after tax rose 20% to Rs 143 crore

India Shelter Finance Corporation reported a net profit after tax of Rs 143 crore for the quarter ended June 30, 2026, a 20% year-over-year increase, according to a regulatory filing on Monday. The company’s gross assets under management reached Rs 11,284 crore, up 24% year-over-year, while return on assets stood at 5.8% and return on equity at 17.5%. India Shelter Finance Corporation also noted a transition to recognizing disbursements on cheque realization, impacting reported Q1FY27 disbursements, which stood at Rs 641 crore, while disbursements at clearance were Rs 1,046 crore.

1 month agoCapital Market - Live
Corporate
Corporate
India Shelter Finance Corporation Limited allotted Rs 75 crore in NCDs to private investors

India Shelter Finance Corporation Limited announced that its Asset Liability Management Committee has approved the allotment of 7,500 non-convertible debentures (NCDs) on a private placement basis to identified investors. The NCDs have a face value of Rs 100,000 each, aggregating to Rs 75 crore, and carry a fixed interest rate of 8.10% p.a. payable quarterly. The debentures will be listed on the Bombay Stock Exchange and mature on July 30, 2031.

1 month agoCapital Market - Live
Corporate
Corporate
India Shelter Finance Corporation to review quarterly results at board meeting August 6

India Shelter Finance Corporation Limited will hold a board meeting on Thursday, August 6, 2026, to consider and approve the unaudited financial results for the quarter ended June 30, 2026, along with the limited review report, the company said in a filing. The trading window for the company's securities will be closed for designated persons and their immediate relatives from Wednesday, July 1, 2026, until 48 hours after the financial results are disseminated.

1 month agoCapital Market - Live
Corporate
Corporate
India Shelter Finance Corp. to convene board meeting

India Shelter Finance Corp. will hold a meeting of the Board of Directors of the Company on 20 July 2026.

1 month agoCapital Market - Live
Corporate
Corporate
India Shelter Finance Corporation allots 69,456 equity shares under ESOP

India Shelter Finance Corporation has allotted 69,456 equity shares under ESOP on 24 June 2026. With this allotment, the paid up equity share capital has increased to Rs. 54,42,72,775 consisting of 10,88,54,555 equity shares having a face value of Rs. 5/- each.

2 months agoCapital Market - Live
Corporate
Corporate
India Shelter Finance Corp. to convene AGM

India Shelter Finance Corp. announced that the 28th Annual General Meeting(AGM) of the company will be held on 16 July 2026.

2 months agoCapital Market - Live
Earnings
Earnings
India Shelter Finance Corporation consolidated net profit rises 27.24% in the March 2026 quarter

Net profit of India Shelter Finance Corporation rose 27.24% to Rs 137.59 crore in the quarter ended March 2026 as against Rs 108.13 crore during the previous quarter ended March 2025. Sales rose 24.73% to Rs 408.23 crore in the quarter ended March 2026 as against Rs 327.29 crore during the previous quarter ended March 2025. For the full year,net profit rose 33.15% to Rs 503.15 crore in the year ended March 2026 as against Rs 377.87 crore during the previous year ended March 2025. Sales rose 31.12% to Rs 1528.39 crore in the year ended March 2026 as against Rs 1165.64 crore during the previous year ended March 2025. ParticularsQuarter EndedYear EndedMar. 2026Mar. 2025% Var.Mar. 2026Mar. 2025% Var. Sales408.23327.29 25 1528.391165.64 31 OPM %73.0674.56 -72.6472.52 - PBDT183.13142.58 28 665.67500.79 33 PBT180.03139.60 29 653.29489.19 34 NP137.59108.13 27 503.15377.87 33 Powered by Capital Market - Live

4 months agoCapital Market - Live

Frequently asked questions

Frequently asked questions

  1. The share price of INDIASHLTR as on 10th September 2026 is ₹672.15. The stock prices are volatile and keep changing through the day depending upon various factors and market conditions.

  2. The past returns of India Shelter Finance Corporation Ltd (INDIASHLTR) share are
    • Past 1 week: 2.62%
    • Past 1 month: -1.58%
    • Past 3 months: -9.13%
    • Past 6 months: -4.84%
    • Past 1 year: -24.59%
    • Past 3 years: N/A%
    • Past 5 years: 23.00%

  3. The current dividend yield of India Shelter Finance Corporation Ltd (INDIASHLTR) is 1.48.

  4. Market capitalization, short for market cap, is the market value of a publicly traded company's outstanding shares. The market cap of India Shelter Finance Corporation Ltd (INDIASHLTR) is ₹7357.98 Cr as of 10th September 2026.

  5. The 52-week high of India Shelter Finance Corporation Ltd (INDIASHLTR) is ₹924 and the 52-week low is ₹620.15.

  6. The P/E (price-to-earnings) ratio of India Shelter Finance Corporation Ltd (INDIASHLTR) is 14.62. The P/B (price-to-book) ratio is 2.30.

  7. India Shelter Finance Corporation Ltd (INDIASHLTR) belongs to the Financials sector & Home Financing sub-sector.

  8. You can directly buy India Shelter Finance Corporation Ltd (INDIASHLTR) shares on Tickertape. Simply sign up, connect your demat account and place your order.