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India Shelter Finance Corporation Ltd

INDIASHLTR Share Price

853.050.04% (-0.30)
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Returns
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With a market cap of ₹9,267 cr, stock is ranked 582

Stock is 2.48x 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

Low

Lagging behind the market in financials growth

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 ₹9,267 cr, stock is ranked 582

Stock is 2.48x as volatile as Nifty

INDIASHLTR Performance & Key Metrics

INDIASHLTR Performance & Key Metrics

No LabelNo LabelPB RatioPB RatioDividend YieldDiv. Yield
20.793.420.58%
Sector PESector PESector PBSector PBSector Div YldSctr Div Yld
17.902.430.98%

INDIASHLTR Analyst Ratings & Forecast

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

from 5 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 

Nov 4, 2025

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
5.53
5.53
1Y Return
14.30%
14.30%
Buy Reco %
52.00
52.00
PE Ratio
11.87
11.87
1Y Return
3.50%
3.50%
Buy Reco %
75.00
75.00
PE Ratio
18.93
18.93
1Y Return
12.06%
12.06%
Buy Reco %
85.71
85.71
PE Ratio
-6.73
-6.73
1Y Return
10.25%
10.25%
Buy Reco %
0.00
0.00
PE Ratio
13.87
13.87
1Y Return
5.76%
5.76%
Buy Reco %
78.57
78.57
Compare with Peers

INDIASHLTR Sentiment Analysis

INDIASHLTR Sentiment Analysis

New
Crisp summary & key insights to decode earnings calls instantly

INDIASHLTR Stock Summary · November 2025

The company's performance for the quarter ending September 30, 2025, reflects a robust growth trajectory, with Assets Under Management (AUM) increasing by 31% year-on-year, driven by strong demand in the affordable housing sector. Despite facing operational challenges such as seasonal fluctuations and competitive pressures, management remains optimistic about maintaining a growth rate of 30%-35%, particularly in Tier-2 and Tier-3 markets. Effective risk management strategies have kept the Gross Non-Performing Asset (GNPA) ratio stable, while proactive measures in customer engagement and recovery processes have bolstered asset quality. The anticipated GST reforms and favorable macroeconomic conditions further support a positive outlook, enhancing the company's resilience and commitment to transparency with stakeholders.

INDIASHLTR Stock Growth Drivers
INDIASHLTR Stock Growth Drivers
7
  • Strong Financial Performance

    The company has reported significant financial achievements, including a 35% year-on-year increase in Profit After

  • Operational Efficiency and Cost Management

    The company has demonstrated effective cost management, with operating expenses growing at a slower rate

INDIASHLTR Stock Challenges
INDIASHLTR Stock Challenges
3
  • Asset Quality Concerns

    There is an increase in Stage-2 assets, indicating potential deterioration in asset quality. Localized stress

  • Disbursement Growth Slowdown

    The company has experienced a slowdown in disbursement growth, which fell to 12% in the

INDIASHLTR Forecast

INDIASHLTR Forecasts

Price

Revenue

Earnings

INDIASHLTR

INDIASHLTR

Income

Balance Sheet

Cash Flow

INDIASHLTR Income Statement

INDIASHLTR Income Statement

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Financial YearFY 2021FY 2022FY 2023FY 2024FY 2025TTM
Total Revenue322.80459.81606.23861.381,175.931,362.36
Raw Materialssubtract773.13
Power & Fuel Costsubtract
Employee Costsubtract61.96101.31134.56179.43229.08
Selling & Administrative Expensessubtract15.8822.4834.1040.8358.73
Operating & Other expensessubtract126.91162.58227.41312.02387.34
Depreciation/Amortizationsubtract5.106.548.209.9111.6011.94
Interest & Other Itemssubtract
Taxes & Other Itemssubtract25.5738.4646.6171.59111.32131.52
EPS20.3329.6335.5332.8435.1641.32
DPS0.000.000.000.005.005.00
Payout ratio0.000.000.000.000.140.12

INDIASHLTR Company Updates

Annual Report and Investor Presentation updates mentioned here are as reported by the company to the exchange
FY 2026FY 2026

Annual Report Pending

Investor Presentation

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 Ltd24.533.420.58%
LIC Housing Finance Ltd5.530.831.83%
PNB Housing Finance Ltd11.871.360.57%
Aptus Value Housing Finance India Ltd18.933.291.58%

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

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 almost stayed constant

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 Holding47.71%14.67%6.33%8.01%23.27%

Dec 2024

Mar 2025

Jun 2025

Sep 2025

INDIASHLTR Shareholding History

INDIASHLTR Shareholding History

JunSepDec '24MarJunSep5.16%5.76%6.24%6.94%7.96%8.01%

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)
4.9231%0.76%0.04%63/71 (-3)
2.2553%0.78%-0.06%51/156 (0)
0.9578%0.29%-0.37%85/118 (-10)

Compare 3-month MF holding change on Screener

INDIASHLTR Insider Trades & Bulk Stock Deals

INDIASHLTR Insider Trades & Bulk Stock Deals

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smallcases containing INDIASHLTR stock

smallcases containing INDIASHLTR stock

A smallcase is a basket of stocks/ETFs that represents an idea or theme.Diversify your risk and buy smallcases that have India Shelter Finance Corporation Ltd

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Private Equity Investing Theme

Private Equity Investing Theme

Created by Windmill Capital

INDIASHLTR's Wtg.
6.67%
6.67%
CAGR
17.26%

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 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
India Shelter Finance Corporation allots 76,836 equity shares under ESOP

India Shelter Finance Corporation has allotted 76,836 equity shares under ESOP on 02 December 2025. The paid-up share capital of the Company has accordingly increased from Rs. 542,600,900 consisting of 108,520,180 equity shares having a face value of Rs. 5/- each to Rs. 542,985,080 consisting of 108,597,016 equity shares having a face value of Rs. 5/- each. Powered by Capital Market - Live

2 days agoCapital Market - Live
Corporate
India Shelter Finance Corporation allots NCDs aggregating to Rs 150 cr

India Shelter Finance Corporation has allotted 15,000 rated, listed, secured, redeemable, Indian rupee denominated, and 7.85% interest bearing Non-Convertible Debentures (NCDs) of face value of Rs 1 lakh each aggregating to Rs 150 crore on private placement basis. Powered by Capital Market - Live

1 week agoCapital Market - Live
Corporate
India Shelter Finance Corp. to consider Fund Raising

India Shelter Finance Corp. will hold a meeting of the Board of Directors of the Company on 21 November 2025.Powered by Capital Market - Live

2 weeks agoCapital Market - Live
Corporate
India Shelter Finance Corporation to consider NCD issuance of Rs 200 cr

India Shelter Finance Corporation will consider on 21 November 2025 the issuance of Secured, Redeemable, Non-Convertible Debentures denominated in Indian Rupees (INR) on private placement basis having total issue size of Rs 200 crore - Rs 150 crore base issue and Rs 50 crore under Green Shoe Option. Powered by Capital Market - Live

2 weeks agoCapital Market - Live
Corporate
India Shelter Finance Corporation allots 1.12 lakh equity shares under ESOP

India Shelter Finance Corporation has allotted 112,768 equity shares under ESOP on 13 November 2025. The paid-up share capital of the Company has accordingly increased from Rs. 542,037,060 consisting of 108,407,412 equity shares having a face value of Rs. 5/- each to Rs. 542,600,900 consisting of 108,520,180 equity shares having a face value of Rs. 5/- each. Powered by Capital Market - Live

3 weeks agoCapital Market - Live
Earnings
India Shelter Finance Corporation consolidated net profit rises 35.49% in the September 2025 quarter

Net profit of India Shelter Finance Corporation rose 35.49% to Rs 122.04 crore in the quarter ended September 2025 as against Rs 90.07 crore during the previous quarter ended September 2024. Sales rose 30.67% to Rs 369.21 crore in the quarter ended September 2025 as against Rs 282.56 crore during the previous quarter ended September 2024. ParticularsQuarter EndedSep. 2025Sep. 2024% Var. Sales369.21282.56 31 OPM %73.3672.10 - PBDT161.26119.96 34 PBT158.07117.15 35 NP122.0490.07 35 Powered by Capital Market - Live

1 month agoCapital Market - Live
Corporate
India Shelter Finance Corp. announces board meeting date

India Shelter Finance Corp. will hold a meeting of the Board of Directors of the Company on 4 November 2025.Powered by Capital Market - Live

1 month agoCapital Market - Live
Corporate
India Shelter Finance Corporation allots 1.30 lakh equity shares under ESOP

India Shelter Finance Corporation has allotted 130,723 equity shares under ESOP on 22 September 2025. The paid-up share capital of the Company has accordingly increased from Rs. 541,130,495 consisting of 108,226,099 equity shares having a face value of Rs. 5/- each to Rs. 541,784,110 consisting of 108,356,822 equity shares having a face value of Rs. 5/- each. Powered by Capital Market - Live

2 months agoCapital Market - Live
Corporate
India Shelter Finance Corporation allots 1.49 lakh equity shares under ESOP

India Shelter Finance Corporation has allotted 149,450 equity shares of Rs. 5/- each pursuant to exercise of Employee Stock Options under the ESOP Schemes of the Company. The paid-up share capital of the Company has accordingly increased from Rs. 540,037,435 consisting of 108,007,487 equity shares having a face value of Rs. 5/- each to Rs. 540,784,685 consisting of 108,156,937 equity shares having a face value of Rs. 5/- each Powered by Capital Market - Live

3 months agoCapital Market - Live
Spotlight
India Shelter Finance surges after Q1 PAT jumps 43% YoY to Rs 119 cr

Profit before tax (PBT) jumped 43.66% YoY to Rs 155.24 crore during the quarter. Assets under management (AUM) stood at Rs 8,712 crore, registering the growth of 34% compared with Rs 6,509 crore posted in same quarter last year. Disbursement increased 24% YoY to Rs 887 crore in Q1 FY26 as against 715 crore in Q1 FY25. Gross Stage 3 and Net Stage 3 were at 1.2% and 0.9% as of as on 30th June 2025. Rupinder Singh, managing director and CEO of India Shelter Finance Corporation said, 'We are pleased to announce that the Company delivered strong operational performance in the first quarter of FY26, driven by strong demand environment in the affordable housing segment. We delivered an AUM growth of 34% YoY, reaching an AUM of Rs 8,712 crore. In Q1FY26, we disbursed Rs 887 crore, registering a growth of 24% YoY. In Q1FY26, we added 24 new branches as part of the branch expansion strategy, geographic presence stood at 290 branches as of 30th June 2025. On profitability metrics, PAT for the quarter came in at Rs. 119 Crs registering a growth of 43% YoY and 10% QoQ. Our return ratios have been on an improving trend with RoA improving to 6.0% and RoE reaching 17.2% for the first time post the IPO in Dec'23. We have been successful in reducing our cost of funds by 10 bps to 8.6% with spreads improving to 6.4%, ensuring sustained profitability.' Meanwhile, the company's board approved raising of funds through issuance of non-convertible debentures (NCDs) through private placement/public issuances, in one or more tranches up to an amount not exceeding Rs 1,000 crore. India Shelter Finance Corporation provides affordable home loans and loan against property in Tier 2 and 3 geographies in India. It provides home loans to customers from low-and middle-income segments who are building or buying their first homes.Powered by Capital Market - Live

3 months agoCapital Market - Live

Frequently asked questions

Frequently asked questions

  1. What is the share price of India Shelter Finance Corporation Ltd (INDIASHLTR) today?

    The share price of INDIASHLTR as on 5th December 2025 is ₹853.05. The stock prices are volatile and keep changing through the day depending upon various factors and market conditions.

  2. What is the return on India Shelter Finance Corporation Ltd (INDIASHLTR) share?

    The past returns of India Shelter Finance Corporation Ltd (INDIASHLTR) share are
    • Past 1 week: -1.66%
    • Past 1 month: -2.67%
    • Past 3 months: -6.38%
    • Past 6 months: -1.07%
    • Past 1 year: 29.55%
    • Past 3 years: N/A%
    • Past 5 years: 56.66%

  3. What are the peers or stocks similar to India Shelter Finance Corporation Ltd (INDIASHLTR)?
  4. What is the dividend yield % of India Shelter Finance Corporation Ltd (INDIASHLTR) share?

    The current dividend yield of India Shelter Finance Corporation Ltd (INDIASHLTR) is 0.58.

  5. What is the market cap of India Shelter Finance Corporation Ltd (INDIASHLTR) share?

    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 ₹9267.13 Cr as of 5th December 2025.

  6. What is the 52 week high and low of India Shelter Finance Corporation Ltd (INDIASHLTR) share?

    The 52-week high of India Shelter Finance Corporation Ltd (INDIASHLTR) is ₹1011.75 and the 52-week low is ₹607.

  7. What is the PE and PB ratio of India Shelter Finance Corporation Ltd (INDIASHLTR) stock?

    The P/E (price-to-earnings) ratio of India Shelter Finance Corporation Ltd (INDIASHLTR) is 24.53. The P/B (price-to-book) ratio is 3.42.

  8. Which sector does India Shelter Finance Corporation Ltd (INDIASHLTR) belong to?

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

  9. How to buy India Shelter Finance Corporation Ltd (INDIASHLTR) shares?

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