India Shelter FIN Corp L
NSE: INDIASHLTR · Housing Finance Company · sector
₹622.60NSE close 2026-10-26
Key numbers
Market cap₹6,777 cr
Price₹622.60
52w high / low₹924 / ₹602
P/E12.8xSector median 12.6x
P/B2.1xSector median 1.2x
Book value₹293.8
Dividend yield0.79%Sector median 1.29%
ROE17.9%Sector median 12.9%
ROA5.50%Sector median 2.52%
Gross NPA–
Net NPA–
CET1–
Sales growth 3y–Sector median +10.7%
Profit growth 3y–Sector median +17.7%
PEG0.46x
Last 12 months to Jun 2026, Standalone. "Sector median" = middle value of 19 companies in Housing Finance Company (P/E median leaves out loss-making companies). Tap ? for what a number means.
Things to know
- Promoter holding fell by 1.80 percentage points in a year, to 45.91% (2026-09-30).
- Total income was higher than a year earlier in 4 of the last 4 quarters.
- Dividend paid in 1 of the last 3 financial years.
- Price ₹622.60 on 2026-10-26: -32.6% from the 52-week high, +3.5% from the 52-week low.
Plain facts from the filings, built by the same fixed rules for every company. A line appears only when the data for it is available. Not a view on the stock.
Charts
Weekly close · high ₹977.40 · low ₹620.60
Total incomeNet profit
Total incomeNet profit
Quarterly results
| ₹ cr | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 | Jun 2026 |
|---|---|---|---|---|---|---|---|---|
| Total income | 282 | 304 | 327 | 361 | 369 | 390 | 411 | 432 |
| Net interest income | – | – | 327 | 361 | 369 | 390 | 411 | 432 |
| Other income | 1 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Net profit | 90 | 96 | 108 | 119 | 122 | 124 | 140 | 143 |
| EPS (₹) | 8.38 | 8.92 | 10.01 | 11.05 | 11.27 | 11.42 | 12.89 | 13.15 |
| Revenue YoY | +30.7% | +28.1% | +25.6% | +19.8% | ||||
| Profit YoY | +35.6% | +29.2% | +29.8% | +20.0% |
Standalone figures where filed. Latest quarter Jun 2026.
Profit & loss (yearly)
| ₹ cr | FY24 | FY25 | FY26 | TTM |
|---|---|---|---|---|
| Revenue | 829 | 1,164 | 1,530 | 1,601 |
| Net profit | 247 | 377 | 505 | 529 |
| EPS (₹) | 26.24 | 35.10 | 46.63 | 48.73 |
| Revenue growth | +40.5% | +31.4% | +25.7% | |
| Profit growth | +52.7% | +34.0% | +28.1% | |
| Dividend / share (₹) | – | – | 5.00 |
| Compounded growth | 3 years | 5 years | Last 12 months |
|---|---|---|---|
| Sales | – | – | +25.7% |
| Net profit | – | – | +28.1% |
| EPS | – | – | – |
| Share price | – | -7.3% (2y) | -32.2% |
Balance sheet
| ₹ cr | FY24 | FY25 | FY26 |
|---|---|---|---|
| Shareholders' equity | 2,298 | 2,707 | 3,198 |
| Borrowings | – | 4,919 | 6,065 |
| Cash & equivalents | 365 | 329 | 305 |
| Total assets | 5,793 | 7,746 | 9,615 |
| Fixed assets | 30 | 28 | 27 |
| Capital work in progress | 0 | 0 | 0 |
| Inventory | 0 | 0 | 0 |
Year-end figures from the March annual filing.
Cash flow
| ₹ cr | FY24 | FY25 | FY26 |
|---|---|---|---|
| Cash from operations | -1,460 | -1,436 | -1,211 |
| Cash from investing | -6 | -61 | -79 |
| Cash from financing | 1,220 | 1,566 | 1,238 |
| Capex | 6 | 9 | 11 |
| Free cash flow | -1,467 | -1,445 | -1,223 |
Free cash flow = cash from operations − capex.
Ratios by year
| ₹ cr | FY24 | FY25 | FY26 |
|---|---|---|---|
| ROE % | 10.7% | 13.9% | 15.8% |
Shareholding
| Holder | % (2026-09-30) |
|---|---|
| Promoters | 45.91% |
| FIIs | 7.35% |
| DIIs | 21.42% |
| of which Mutual funds | 14.02% |
| of which Insurance | 5.51% |
| Public (non-institutions) | 25.32% |
| Quarter | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 | Jun 2026 | Sep 2026 |
|---|---|---|---|---|---|---|---|---|
| Promoters % | 48.00% | 47.92% | 47.90% | 47.71% | 47.60% | 47.54% | 46.05% | 45.91% |
| Promoter group | % |
|---|---|
| Aravali Investment Holdings | 26.03% |
| Westbridge Crossover Fund, LLC | 19.88% |
| Aptus Value Housing Finance India Limited | 0.00% |
| Ebo Mart Private Limited | 0.00% |
| EBONO Private Limited | 0.00% |
| Enrich Hair and Skin Solutions Private Limited | 0.00% |
| Indiqube Spaces Limited | 0.00% |
| Kuhoo Technology Services Private Limited | 0.00% |
| Kuhoo Finance Private Limited | 0.00% |
| KPN Farm Fresh Private Limited | 0.00% |
| Vini Cosmetics Private Limited | 0.00% |
| Wealth India Financial Services Private Limited | 0.00% |
| MMPL Trust | 0.00% |
| Konark Trust | 0.00% |
| Safecrop Investments India LLP | 0.00% |
| Public holders above 1% | % |
|---|---|
| Nexus Ventures III Limited | 7.70% |
| Kotak Midcap Fund | 6.72% |
| SBI Life Insurance Co. Ltd | 4.07% |
| Nexus Opportunity Fund II Ltd | 2.79% |
| Goldman Sachs Funds - Goldman Sachs India Equity Portfolio | 2.39% |
| Whiteoak Capital Flexi CAP Fund | 2.29% |
| Axis Mutual Fund Trustee Limited A/C Axis Mutual Fund A/C Axis Small CAP Fund | 2.24% |
| Nippon Life India Trustee Ltd-a/c Nippon India Small CAP Fund | 1.69% |
| ICICI Prudential Life Insurance Company Limited | 1.44% |
| CIF III Scheme I | 1.27% |
| Steinberg India Emerging Opportunities Fund Limited | 1.10% |
| Anil Mehta | 1.07% |
54,616 shareholders. Pledged: – of promoter shares.
Peers in Housing Finance Company
| Company | Market cap | P/E | P/B | ROE | ROA | Gross NPA | Sales 3y | Div yield |
|---|---|---|---|---|---|---|---|---|
| BAJAJHFL | ₹65,449 cr | 23.3x | 2.7x | 12.4% | 1.96% | – | – | – |
| PNBHOUSING | ₹28,300 cr | 12.0x | 1.5x | 13.0% | 2.51% | – | +9.5% | 0.46% |
| LICHSGFIN | ₹27,377 cr | 4.8x | 0.7x | 14.8% | 1.76% | – | +8.3% | 2.01% |
| AADHARHFC | ₹19,295 cr | 16.8x | 2.6x | 16.4% | 4.16% | – | – | – |
| HOMEFIRST | ₹10,578 cr | 18.1x | 2.4x | 16.9% | 3.83% | – | +34.3% | 0.36% |
| APTUS | ₹9,912 cr | 13.6x | 2.3x | 18.1% | 7.65% | – | +16.9% | 2.27% |
| CANFINHOME | ₹9,666 cr | 8.4x | 1.5x | 19.4% | 2.52% | – | +15.4% | 1.79% |
| SAMMAANCAP | ₹9,363 cr | – | 0.5x | -35.9% | -10.78% | – | +0.7% | 0.00% |
| AAVAS | ₹8,929 cr | 13.0x | 1.8x | 14.6% | 3.24% | – | +18.6% | – |
| INDIASHLTR | ₹6,777 cr | 12.8x | 2.1x | 17.9% | 5.50% | – | – | 0.79% |
Dividends & corporate actions
| Ex-date | Action | Detail |
|---|---|---|
| 2026-06-19 | Dividend | Dividend - Rs 10 Per Share |
| 2025-07-04 | Dividend | Dividend - Rs 5 Per Share |
Documents
- Annual report FY26
- Annual report FY25
- Annual report FY24
- Announcements NSE filings
- BRSR FY26
- Latest results (data file) XBRL
- Announcements BSE filings
Links go to the original files on the exchange website.
About the company
- Financial Services: The Company provides home loans for the purchase or construction of residential properties and for the extension and repair of existing housing units. In addition to home loans, the Company also offers loans against property.
| Sector | Financial Services |
| Industry | Housing Finance Company |
| Sub-industry | Housing Finance Company |
| Symbol | INDIASHLTR |
| BSE code | 544044 |
| ISIN | INE922K01024 |
| Face value | ₹5.0 |
| Incorporated | 1998-10-26 |
| Website | https://www.indiashelter.in |
| Plants (India / abroad) | 0 / 0 |
From the company's filings (BRSR FY26).
Data built 2026-10-23 from NSE company filings (XBRL: Integrated Filing - Financials + financial results), NSE shareholding & pledge data; price = NSE close 2026-10-26.