India Shelter Finance Corporation Limited
₹616.70-₹10.60 (-1.7%)
Last close · Data as of Oct 30, 2026
- Market cap
- ₹8,514 Cr
- P/E
- 19.1x
- Revenue
- ₹1,165 Cr
- ROCE
- 17.6%
Price chart
Technical chartScreen technicals →-29.8% over the last year
Daily closes.
Go deeper
Technical chart: candles, 9 moving averages, RSI, MACD and drawing tools
Performance
Price change over each period, before dividends.
- 1M
- -3.0%
- 3M
- -14.2%
- 6M
- -23.8%
- 1Y
- -29.8%
- 5Y
- +12.1%
52-week range
Day change -₹10.60 (-1.7%) from ₹627 to ₹617 · Last close Oct 30, 2026
Best weekday to invest, historically
The same weekly amount in INDIASHLTR, bought on each weekday since 2023.
AI Summary
Indian StockStrengths1
- Strong 5-year revenue CAGR of 29.2%
Concerns1
- Negative free cash flow (₹1497 Cr)
Rule-based from financial data. Not advice.
About the company
India Shelter Finance Corporation Limited operates as a housing finance company in India. The company offers home loan, purchase and home construction loan, home renovation loan, and loan against property. The company was formerly known as Satyaprakash Housing Finance India Limited and changed its name to India Shelter Finance Corporation Limited in March 2010. India Shelter Finance Corporation Limited was incorporated in 1998 and is headquartered in Gurugram, India.
- Sector
- Financial Services
- Shares outstanding
- 10.9 Cr shares
- ISIN
- INE922K01024
- BSE code
- 544044
Key statistics
Screen fundamentals →Valuation, profitability, growth and solvency at the latest close; hover a label for its meaning.
Valuation
- Market cap
- ₹8,514 Cr
- P/E
- 19.1x
- P/B
- 2.9x
- Earnings yield
- 5.2%
- 52-week high
- ₹919.05
- 52-week low
- ₹607.05
Profitability
- ROE
- 13.9%
- ROCE
- 17.6%
- Dividend payout
- 0.0%
- Tax rate
- 22.0%
- Other income, % of PBT
- 10.1%
Growth
- RevenueLatest stored company figure. It is not dated and can be a year behind the FY2025 statements; the Growth card lists each year.
- ₹1,165 Cr
- Revenue growth, 1YLatest stored company figure. It is not dated and can be a year behind the FY2025 statements; the Growth card lists each year.
- 40.5%
- Revenue CAGR, 5YLatest stored company figure. It is not dated and can be a year behind the FY2025 statements; the Growth card lists each year.
- 29.2%
- EBITDALatest stored company figure. It is not dated and can be a year behind the FY2025 statements; the Growth card lists each year.
- ₹32.0 Cr
- EBITDA growth, 1YLatest stored company figure. It is not dated and can be a year behind the FY2025 statements; the Growth card lists each year.
- 45.5%
- Net profit growth, 1YLatest stored company figure. It is not dated and can be a year behind the FY2025 statements; the Growth card lists each year.
- 52.6%
- Net profit CAGR, 5YLatest stored company figure. It is not dated and can be a year behind the FY2025 statements; the Growth card lists each year.
- 39.4%
- Cash from operationsLatest stored company figure. It is not dated and can be a year behind the FY2025 statements; the Growth card lists each year.
- -₹1,233 Cr
- CFO growth, 1YLatest stored company figure. It is not dated and can be a year behind the FY2025 statements; the Growth card lists each year.
- 44.5%
- Free cash flowLatest stored company figure. It is not dated and can be a year behind the FY2025 statements; the Growth card lists each year.
- ₹70.0 Cr
Solvency and efficiency
- CFO / Net profit
- -4.99
Where the revenue went
Of every ₹100 of FY2025 revenue, ₹32 was left as net profit.
| From | To | Amount |
|---|---|---|
| Revenue | Interest paid | ₹356 Cr |
| Revenue | Expenses | ₹319 Cr |
| Revenue | Financing profit | ₹490 Cr |
| Financing profit | Depreciation | ₹12 Cr |
| Financing profit | Profit before tax | ₹478 Cr |
| Other income | Profit before tax | ₹10 Cr |
| Profit before tax | Tax and other | ₹111 Cr |
| Profit before tax | Net profit | ₹377 Cr |
Revenue and net profit
Revenue grew 40.5% in FY2025; net profit is the dashed line.
| Date | Revenue | Net profit |
|---|---|---|
| FY2021 | ₹317 Cr | ₹87 Cr |
| FY2022 | ₹448 Cr | ₹128 Cr |
| FY2023 | ₹584 Cr | ₹155 Cr |
| FY2024 | ₹829 Cr | ₹247 Cr |
| FY2025 | ₹1,165 Cr | ₹377 Cr |
Cash flows
FY2025: -₹1,436 Cr from operations, -₹1,497 Cr free after investment (dashed).
| Date | Operating cash flow | Free cash flow |
|---|---|---|
| FY2021 | -₹421 Cr | -₹344 Cr |
| FY2022 | -₹495 Cr | -₹494 Cr |
| FY2023 | -₹853 Cr | -₹692 Cr |
| FY2024 | -₹1,233 Cr | -₹1,466 Cr |
| FY2025 | -₹1,436 Cr | -₹1,497 Cr |
Growth
Latest fiscal year FY2025 (ending March): each figure with its change over the year before.
- Revenue
- ₹1,165 Cr+40.5%1Y
- Net profit
- ₹377 Cr+52.6%1Y
- Cash from operations
- -₹1,436 Cr
- Free cash flow
- -₹1,497 Cr
- Revenue CAGR, 5Y
- 29.2%
- Net profit CAGR, 5Y
- 39.4%
| Year | Revenue | Operating income | EBITDA | Net profit | CFO | FCF | ROE | Revenue growth 1Y | Net profit growth 1Y |
|---|---|---|---|---|---|---|---|---|---|
| FY2025 | ₹1,165 Cr | ₹490 Cr | — | ₹377 Cr | -₹1,436 Cr | -₹1,497 Cr | — | +40.5% | +52.6% |
Monthly returns
Month-by-month returns of INDIASHLTR across the years, with the seasonal pattern.
Balance sheet
What the company owns and owes at the end of FY2025.
| Line | FY2025 |
|---|---|
| Liabilities and equity | ₹7,746 Cr |
| Equity capital | ₹54 Cr |
| Reserves | ₹2,653 Cr |
| Borrowings | ₹4,969 Cr |
| Other liabilities | ₹70 Cr |
| Assets | ₹7,746 Cr |
| Fixed assets | ₹29 Cr |
| Capital work in progress | ₹0 Cr |
| Investments | ₹327 Cr |
| Other assets | ₹7,389 Cr |
Market cap against peers
8 peers: same sector group, nearest by size.
P/E against peers
INDIASHLTR trades at 19.1x earnings against a peer median of 26.9x (a 29% discount).
Not shown (no positive earnings and no EV / Sales): Religare Enterprises Ltd, Equitas Small Finance Bank Limited.
Peer comparison
Same-sector peers by market cap, with the median.
| Company | Market cap | P/E | P/B | ROE | EV/EBITDA |
|---|---|---|---|---|---|
| India Shelter Finance Corporation LimitedINDIASHLTRthis companyP/E ↓ discount | ₹8,514 Cr | 19.1x | 2.9x | 13.9% | — |
| Edelweiss Financial Services Ltd.EDELWEISS | ₹9,880 Cr | 93.4x | 1.7x | -0.9% | 14.2x |
| Kama Holdings LimitedKAMAHOLD | ₹9,133 Cr | 81.5x | 10.7x | 12.4% | 28.6x |
| CSB Bank LimitedCSBBANK | ₹8,994 Cr | 14.5x | 1.9x | 13.2% | — |
| Tamilnad Mercantile Bank LimitedTMB | ₹8,974 Cr | 7.4x | 1.0x | 13.1% | — |
| LLOYDS ENTERPRISES LIMITEDLLOYDSENT | ₹8,577 Cr | 33.9x | 1.8x | 0.3% | 93.3x |
| Religare Enterprises LtdRELIGARE | ₹8,089 Cr | — | 3.3x | -1.8% | -200.1x |
| Equitas Small Finance Bank LimitedEQUITASBNK | ₹7,758 Cr | — | 1.3x | 2.4% | — |
| Bengal & Assam Company LimitedBENGALASM | ₹7,453 Cr | 60.9x | 6.2x | 9.9% | 50.7x |
| Peer median | — | 26.9x | 2.8x | 12.3% | 33.9x |
Year-to-date ROI
INDIASHLTR since 1 January, against earlier years.
Historical volatility
INDIASHLTR's day-to-day swings over 30, 60 and 180 days.
Financial statements
Income statement, balance sheet and cash flow as reported, in ₹ crore, grouped into plain-language lines.
Figures in ₹ crore as reported, fiscal years ending March, newest first; the trailing twelve months (TTM) last.
Operating margin by fiscal year
| Date | Operating margin |
|---|---|
| FY2021 | 35.0% |
| FY2022 | 36.0% |
| FY2023 | 32.0% |
| FY2024 | 36.0% |
| FY2025 | 42.0% |
| Line | FY2025 |
|---|---|
| Revenue | ₹1,165 Cr |
| Costs | |
| Interest | ₹356 Cr |
| Expenses | ₹319 Cr |
| Financing profitFinancing Profit | ₹490 Cr |
| Financing marginFinancing Margin % | 42.0% |
| Other income and charges | |
| Profit before tax | ₹488 Cr |
| Tax | |
| Net profitNet Profit | ₹377 Cr |
| Per share |
| Line | FY2025 |
|---|---|
| Liabilities and equityTotal Liabilities | ₹7,746 Cr |
| Equity capitalEquity Capital | ₹54 Cr |
| Reserves | ₹2,653 Cr |
| BorrowingsBorrowing | ₹4,969 Cr |
| Other liabilitiesOther Liabilities | ₹70 Cr |
| AssetsTotal Assets | ₹7,746 Cr |
| Fixed assetsFixed Assets | ₹29 Cr |
| Capital work in progressCWIP | ₹0 Cr |
| Investments | ₹327 Cr |
| Other assetsOther Assets | ₹7,389 Cr |
| Line | FY2025 |
|---|---|
| Operating cash flowCash from Operating Activity | -₹1,436 Cr |
| Investing cash flowCash from Investing Activity | -₹61 Cr |
| Financing cash flowCash from Financing Activity | ₹1,566 Cr |
| Change in cashNet Cash Flow | ₹70 Cr |
Learn while you research
Academy chapters picked for India Shelter Finance Corporation Limited and the metrics on this page.
- 01 Taxes on Investments (India)LTCG, STCG, dividend tax, what every Indian investor needs.6 min read
- 02 Stock Valuation BasicsHow to think about what a fair price for a stock looks like.7 min read
- 03 Growth Investing41% revenue growth is in the top tier, learn how to value growth.7 min read
- 04 Stock Market RisksSmall caps carry concentrated, idiosyncratic risk, learn to manage it.6 min read
- 05 Sector AnalysisBanks & financials are uniquely sensitive to rates and credit cycles.6 min read
- 06 Essential Stock RatiosP/E, P/B, EV/EBITDA, what they mean and when to use each.7 min read