India Shelter Finance Corporation Limited

BSE: INDIASHLTR544044ISIN INE922K01024

Financial Services
Housing Finance Company
BSE 1000

Share price

₹642.50-0.10 (-0.02%)

as of 4 Nov 2026

Prices adjusted for splits and bonuses; cash dividends excluded. Volume shows actual shares traded.

52W high: ₹923.95
52W low: ₹592.90
Off 52W high: -30.46%
1M return: -0.46%
3M return: -12.20%
6M return: -23.56%
1Y return: -27.57%
20D avg volume: 17,554
50 DMA: ₹646.07
200 DMA: ₹731.08

Key ratios Consolidated

Market cap: ₹7,018 Cr
Current price: ₹642.50
52W high / low: ₹923.95 / ₹592.90
Face value: ₹5.00
P/E: 13.94
P/B: 2.18
EPS (TTM): ₹46.08
Book value / share: ₹294.06
ROE: —
ROCE: —
Operating margin: —
Net margin: —
Debt / equity: 1.90
Net debt: ₹5,936 Cr
Interest cover: 2.47
Dividend yield: 1.56%
Dividend / share (TTM): ₹10.00
Payout: 21.70%
Cash conversion cycle: —

Financials

Metric	Q4 FY26	Q3 FY26	Q2 FY26	Q1 FY26	Q4 FY25	Q3 FY25	Q2 FY25	Q1 FY25	Q4 FY24	Q3 FY24	Q2 FY24
Income statement
	408.23	389.74	369.21	361.22	327.29	304.25	282.56	251.54	234.76	208.87	203.97
	0.04	0.02	0.03	0.09	0.13	0.15	0.84	9.17	9.66	9.51	6.58
	408.27	389.76	369.24	361.31	327.42	304.39	283.40	260.72	244.42	218.38	210.55
	228.25	229.81	211.16	206.07	187.82	180.03	166.25	152.65	144.75	137.22	133.18
	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
	79.43	80.31	68.68	69.37	61.58	60.05	54.56	52.90	49.27	45.74	42.98
	115.19	113.53	109.63	106.46	101.59	92.03	84.61	76.64	74.67	74.10	71.55
	3.10	3.31	3.19	2.78	2.98	2.99	2.81	2.82	3.12	2.45	2.17
	22.65	20.00	20.14	17.21	18.55	16.10	16.45	13.65	12.04	10.81	11.17
	180.03	159.95	158.07	155.24	139.60	124.37	117.16	108.07	99.67	81.16	77.38
	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
	180.03	159.95	158.07	155.24	139.60	124.37	117.16	108.07	99.67	81.16	77.38
	42.44	35.88	36.03	35.79	31.47	—	—	—	—	—	—
	137.59	124.07	122.04	119.45	108.13	96.14	90.08	83.53	77.93	62.31	60.22
	12.66	11.44	11.29	11.07	10.03	8.94	8.40	7.80	7.28	6.75	6.73
Key metrics
	—	—	—	—	—	219.39	204.58	187.53	177.46	157.71	151.10
	—	—	—	—	—	72.10%	72.40%	74.60%	75.60%	75.50%	74.10%
	33.70%	31.80%	33.10%	33.10%	33.00%	31.60%	31.90%	33.20%	33.20%	29.80%	29.50%
	24.70%	28.10%	30.70%	43.60%	39.40%	45.70%	38.50%	—	—	—	—
	27.20%	29.10%	35.50%	43.00%	38.80%	54.30%	49.60%	—	—	—	—

Metric	TTM	FY26	FY25	FY24
Income statement
	1,528	1,528	1,166	829.62
	0.18	0.19	10.29	31.75
	1,529	1,529	1,176	861.37
	875.29	875.29	686.74	542.19
	0.00	0.00	0.00	0.00
	0.00	0.00	0.00	0.00
	297.79	297.79	229.09	179.43
	444.81	444.80	354.88	288.52
	12.38	12.38	11.60	9.91
	80.00	80.00	64.75	45.16
	653.29	653.29	489.19	319.18
	0.00	0.00	0.00	0.00
	653.29	653.29	489.19	319.18
	150.14	150.14	111.32	—
	503.15	503.15	377.87	247.60
	46.46	46.46	35.18	26.32
Key metrics
	—	—	—	617.61
	—	—	—	74.40%
	32.92%	32.90%	32.40%	29.80%
	31.12%	31.10%	40.50%	—
	33.15%	33.20%	52.60%	—
	—	-1,211	-1,444	—
	—	-2.38	-3.80	—
	—	1.90	1.82	—
	—	5,936	4,737	—
Balance sheet
	—	9,615	7,748	—
	—	129.38	181.96	—
	—	5.48	0.38	—
	—	0.00	0.00	—
	—	27.00	28.28	—
	—	6,065	4,919	—
	—	3,198	2,709	—
Cash flow
	—	-1,199	-1,435	—
	—	-90.90	-61.38	—
	—	1,238	1,566	—
	—	11.34	9.06	—

Metric	Q1 FY27	Q4 FY26	Q3 FY26	Q2 FY26	Q1 FY26	Q4 FY25	Q3 FY25	Q2 FY25	Q1 FY25	Q4 FY24	Q3 FY24	Q2 FY24
Income statement
	432.39	410.65	389.50	368.91	360.93	326.99	303.96	282.28	251.27	234.49	208.62	203.72
	0.06	0.04	0.02	0.04	0.10	0.13	0.15	0.84	9.18	9.66	9.51	6.58
	432.45	410.69	389.52	368.95	361.03	327.12	304.12	283.12	260.44	244.15	218.14	210.31
	247.27	228.19	229.78	211.16	206.07	187.80	180.02	166.25	152.64	144.74	137.22	133.18
	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
	86.50	79.43	80.31	68.68	69.37	61.58	60.05	54.56	52.90	49.27	45.74	42.98
	121.12	115.19	113.53	109.63	106.46	101.59	92.03	84.61	76.64	74.67	74.10	71.55
	3.08	3.10	3.31	3.19	2.78	2.98	2.99	2.81	2.82	3.12	2.45	2.17
	23.16	22.59	19.97	20.13	17.21	18.54	16.10	16.45	13.64	12.02	10.81	11.17
	185.18	182.50	159.75	157.79	154.96	139.32	124.09	116.88	107.80	99.42	80.92	77.13
	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
	185.18	182.50	159.75	157.79	154.96	139.32	124.09	116.88	107.80	99.42	80.92	77.13
	42.16	42.44	35.81	35.96	35.73	31.40	—	—	—	—	—	—
	143.02	140.06	123.94	121.83	119.23	107.92	95.93	89.87	83.33	77.75	62.13	60.03
	13.15	12.89	11.42	11.27	11.05	10.01	8.92	8.38	7.78	7.26	6.73	6.71
Key metrics
	—	—	—	—	—	—	219.11	204.30	187.26	177.21	157.47	150.85
	—	—	—	—	—	—	72.10%	72.40%	74.50%	75.60%	75.50%	74.00%
	33.10%	34.10%	31.80%	33.00%	33.00%	33.00%	31.60%	31.80%	33.20%	33.20%	29.80%	29.50%
	19.80%	25.60%	28.10%	30.70%	43.60%	39.40%	45.70%	38.60%	—	—	—	—
	20.00%	29.80%	29.20%	35.60%	43.10%	38.80%	54.40%	49.70%	—	—	—	—

Metric	TTM	FY26	FY25	FY24
Income statement
	1,601	1,530	1,164	828.62
	0.16	0.19	10.30	31.76
	1,602	1,530	1,175	860.38
	916.40	875.19	686.71	542.17
	0.00	0.00	0.00	0.00
	0.00	0.00	0.00	0.00
	314.92	297.79	229.09	179.43
	459.47	444.80	354.88	288.52
	12.68	12.38	11.60	9.91
	85.85	79.90	64.72	45.13
	685.22	655.00	488.09	318.21
	0.00	0.00	0.00	0.00
	685.22	655.00	488.09	318.21
	156.37	149.93	111.04	—
	528.85	505.06	377.05	246.87
	48.73	46.63	35.10	26.24
Key metrics
	—	—	—	616.64
	—	—	—	74.40%
	33.02%	33.00%	32.40%	29.80%
	25.69%	31.40%	40.50%	—
	28.07%	34.00%	52.70%	—
	—	-1,223	-1,445	—
	—	-2.40	-3.81	—
	—	1.90	1.82	—
	—	5,936	4,737	—
Balance sheet
	—	9,615	7,746	—
	—	129.38	181.85	—
	—	5.48	0.38	—
	—	0.00	0.00	—
	—	27.00	28.28	—
	—	6,065	4,919	—
	—	3,198	2,707	—
Cash flow
	—	-1,211	-1,436	—
	—	-78.90	-60.58	—
	—	1,238	1,566	—
	—	11.34	9.06	—

Compounded growth

Standalone

Sales CAGR 3Y: —
Sales CAGR 5Y: —
Profit CAGR 3Y: —
Profit CAGR 5Y: —
Sales YoY (TTM): +25.69%
Profit YoY (TTM): +28.07%

Consolidated

Sales CAGR 3Y: —
Sales CAGR 5Y: —
Profit CAGR 3Y: —
Profit CAGR 5Y: —
Sales YoY (TTM): +31.12%
Profit YoY (TTM): +33.15%

Compounded from reported annual figures. We publish no share-price CAGR: our prices are as-traded, so one would be wrong across every split and bonus issue.

Shareholding as of 30 Sep 2026

Promoter holding: 45.91%

Quarter	September 2026	June 2026
Promoter %	45.91%	46.05%

Holder	Type	Holding	Previous	Change
Aravali Investment Holdings	Promoter	26.03%	26.11%	-0.08%
Westbridge Crossover Fund, LLC	Promoter	19.88%	19.94%	-0.06%
NEXUS VENTURES III LIMITED	Public	7.70%	7.72%	-0.02%
KOTAK MIDCAP FUND	Public	6.72%	—	—
SBI LIFE INSURANCE CO. LTD	Public	4.07%	4.03%	+0.04%
NEXUS OPPORTUNITY FUND II LTD	Public	2.79%	2.80%	-0.01%
GOLDMAN SACHS FUNDS - GOLDMAN SACHS INDIA EQUITY PORTFOLIO	Public	2.39%	2.39%	0.00%
WHITEOAK CAPITAL FLEXI CAP FUND	Public	2.29%	—	—
AXIS MUTUAL FUND TRUSTEE LIMITED A/C AXIS MUTUAL FUND A/C AXIS SMALL CAP FUND	Public	2.24%	—	—
NIPPON LIFE INDIA TRUSTEE LTD-A/C NIPPON INDIA SMALL CAP FUND	Public	1.69%	1.26%	+0.43%
ICICI PRUDENTIAL LIFE INSURANCE COMPANY LIMITED	Public	1.44%	1.37%	+0.07%
CIF III SCHEME I	Public	1.27%	1.01%	+0.26%
STEINBERG INDIA EMERGING OPPORTUNITIES FUND LIMITED	Public	1.10%	1.10%	0.00%
ANIL MEHTA	Public	1.07%	1.44%	-0.37%
Setu AIF Trust LVF	Promoter Group	0.00%	0.00%	0.00%

Public shareholders are disclosed individually only above 1%.

Peer comparison

Company	Mkt cap (₹ Cr)	Price (₹)	P/E	ROCE	Sales YoY	Profit YoY	1Y return
Bajaj Housing Finance Limited S	67,800	81.37	24.16	—	+17.18% TTM	+18.86% TTM	-25.76%
Lic Housing Finance Ltd.	28,603	520.00	4.85	—	-0.37% TTM	+6.78% TTM	-9.38%
PNB Housing Finance Limited	28,193	1,081.00	12.00	—	+10.03% TTM	+9.37% TTM	+16.06%
Aadhar Housing Finance Limited	18,882	430.70	16.55	—	+17.72% TTM	+20.23% TTM	-15.47%
Sammaan Capital Limited	14,641	126.05	-2.03	—	-17.09% TTM	-301.99% TTM	-32.27%
Home First Finance Company India Limited S	11,304	1,081.00	18.24	—	+19.25% TTM	+36.85% TTM	-9.60%
Aptus Value Housing Finance India Limited	10,335	206.35	10.50	—	+19.37% TTM	+21.60% TTM	-30.02%
Can Fin Homes Ltd. S	9,651	724.80	8.37	—	+7.87% TTM	+25.13% TTM	-15.86%
AAVAS Financiers Limited	8,924	1,125.40	18.19	—	+25.43% TTM	+14.21% TTM	-31.41%
India Shelter Finance Corporation Limited	7,018	642.50	13.94	—	+31.12% TTM	+33.15% TTM	-27.57%
Repco Home Finance Limited	2,053	328.10	4.26	—	+6.22% TTM	+3.84% TTM	-27.01%
GIC Housing Finance Ltd.	676	125.60	4.29	—	+1.24% TTM	+22.22% TTM	-27.25%
SRG Housing Finance Limited S	159	100.95	4.64	—	+31.34% TTM	+35.05% TTM	-65.50%
Reliance Home Finance Limited S	67	1.38	2.89	-84.90%	-64.52% TTM	+778.93% TTM	-59.05%
Ind Bank Housing Ltd S	49	48.55	12.40	—	+1,267.86% TTM	+1,729.17% TTM	+27.60%
India Home Loan Limited S	42	29.49	282.66	—	-11.09% TTM	-12.50% TTM	-19.09%
STAR HOUSING FINANCE LIMITED S	32	4.06	4.82	—	+23.80% TTM	-38.86% TTM	-75.36%
Sahara HousingFina Corporation Ltd. S	26	36.61	86.20	—	-12.62% TTM	-51.61% TTM	-31.35%
Manraj Housing Finance Ltd. S	17	34.00	-94.44	-2.50%	—	+63.04% TTM	—
Hindustan Housing Co. Ltd. S	0	—	0.04	4.40%	+12.13% TTM	-7.76% TTM	—

Filings & corporate actions

Recent announcements

Corrigendum to the intimation filed on November 02, 2026, for appointment of Senior Management Personnel2 Nov 2026 · Company Update / Change in Management
Intimation for appointment of Senior Management Personnel2 Nov 2026 · Company Update / Change in Management
Intimation for the quarterly Earnings Call scheduled on November 06, 202628 Oct 2026 · Company Update / Analyst / Investor Meet
India Shelter Finance Corporation Ltdhas informed BSE that the meeting of the Board of Directors of the Company is scheduled on 05/11/2026 ,inter alia, to consider and approve the Unaudited ....28 Oct 2026 · Board Meeting / Board Meeting
Intimation of Credit Rating of PTCs28 Oct 2026 · Company Update / Credit Rating
Intimation of allotment of equity shares under ESOP schemes of the company27 Oct 2026 · Company Update / Allotment of ESOP / ESPS
Intimation for certificate under Reg 74(5) of SEBI (DP) Regulations, 20186 Oct 2026 · Company Update / Certificate under Reg. 74 (5) of SEBI (DP) Regulations, 2018
Intimation of Trading window closure for the quarter ended September 30, 202624 Sep 2026 · Insider Trading / SAST / Closure of Trading Window
Intimation of ESOP allotment under ESOP schemes of the company23 Sep 2026 · Company Update / Allotment of ESOP / ESPS
Intimation of Investor meet18 Sep 2026 · Company Update / Analyst / Investor Meet
Intimation of allotment of ESOP under ESOP schemes of the company8 Sep 2026 · Company Update / Allotment of ESOP / ESPS
Intimation of Earnings Call transcript14 Aug 2026 · Company Update / Earnings Call Transcript
Intimation of ESOP Allotment under ESOP schemes of the company12 Aug 2026 · Company Update / Allotment of ESOP / ESPS
Intimation of Audio Recording of quarter Earnings Call- August 07, 20267 Aug 2026 · Company Update / Analyst / Investor Meet
Intimation of newspaper publication - August 07, 20267 Aug 2026 · Company Update / Newspaper Publication
Investor Presentation of the Company on the Unaudited Financial Results for the quarter ended June 30, 20266 Aug 2026 · Company Update / Investor Presentation
Financial and Operational Performance of the Company for the quarter ended June 30, 20266 Aug 2026 · Company Update / Press Release / Media Release
Approval of Unaudited Financial Results for the quarter ended June 30, 20266 Aug 2026 · Result / Financial Results
Outcome of Board Meeting held on August 06, 2026, for Financial Results for the Quarter ended June 30, 20266 Aug 2026 · Board Meeting / Outcome of Board Meeting
Intimation of Non- Deal Roadshows5 Aug 2026 · Company Update / Analyst / Investor Meet
Intimation for Allotment of Non-Convertible Debentures dated July 30, 202630 Jul 2026 · Company Update / Allotment of Equity Shares
The company has scheduled the Earnings Conference Call on August 07, 2026, at 09:00 AM29 Jul 2026 · Company Update / Analyst / Investor Meet
The Board of Directors meeting of the company is scheduled to be held on August 06, 2026, to consider and approve the unaudited financial results for the quarter ended June 30, 202629 Jul 2026 · Others / Reg. 50 (1) - Prior intimation about Board meeting under Regulation 50(1))
India Shelter Finance Corporation Ltdhas informed BSE that the meeting of the Board of Directors of the Company is scheduled on 06/08/2026 ,inter alia, to consider and approve Unaudited ....29 Jul 2026 · Board Meeting / Board Meeting
Intimation of approval of issuance of NCDs in the ALCO meeting held on July 20, 202620 Jul 2026 · Company Update / Issue of Securities
Intimation of Voting Results of 28th AGM of the company along with Scrutinizer''s Report thereon17 Jul 2026 · AGM/EGM / AGM
28TH ANNUAL GENERAL MEETING OF THE MEMBERS OF INDIA SHELTER FINANCE CORPORATION LIMITED HELD ON THURSDAY, JULY 16, 2026, THROUGH VIDEO CONFERENCING ("VC")/ OTHER AUDIO-VISUAL MODE ("OAVM")16 Jul 2026 · AGM/EGM / AGM
Prior intimation of Asset Liability Management Committee meeting for considering the raising of funds by way of issuance of Non-convertible Debentures (NCDs)15 Jul 2026 · Others / Reg. 50 (1) - Prior intimation about Board meeting under Regulation 50(1))
India Shelter Finance Corporation Ltdhas informed BSE that the meeting of the Board of Directors of the Company is scheduled on 20/07/2026 ,inter alia, to consider and approve Issuance ....15 Jul 2026 · Board Meeting / Board Meeting
Intimation of credit rating of loan term bank facilities of India Shelter Finance Corporation Limited9 Jul 2026 · Company Update / Credit Rating
Intimation under Regulation 74(5) of SEBI (DP) Regulations, 20183 Jul 2026 · Company Update / Certificate under Reg. 74 (5) of SEBI (DP) Regulations, 2018
Intimation of Shareholder Approval through postal ballot on reclassification of certain Individuals/Entities from Promoter/Promoter group to public category25 Jun 2026 · Company Update / General
Intimation of outcome of postal ballot25 Jun 2026 · AGM/EGM / Postal Ballot
Intimation of voting results along with scrutinizers Report for postal ballot25 Jun 2026 · AGM/EGM / Postal Ballot
Intimation of Trading Window closure for the quarter ended June 30, 202625 Jun 2026 · Insider Trading / SAST / Closure of Trading Window
Intimation of ESOP allotment under ESOP schemes of company24 Jun 2026 · Company Update / Allotment of ESOP / ESPS
Tax deduction at source on dividend23 Jun 2026 · Company Update / General
Intimation of post-dispatch newspaper publication of 28th AGM Notice and Annual Report for FY 2025-2623 Jun 2026 · Company Update / Newspaper Publication
Intimation of dispatch of physical letters under Regulation 36(1)(b) of SEBI(LODR) Regulations, 201522 Jun 2026 · Company Update / General
Business Responsibility and Sustainability Report for FY 2025-2622 Jun 2026 · Others / Business Responsibility and Sustainability Reporting (BRSR)

Corporate actions

Purpose	Ex date	Record date	Payment date
Final Dividend - Rs. - 10.0000	19 Jun 2026	19 Jun 2026	—
Final Dividend - Rs. - 5.0000	4 Jul 2025	4 Jul 2025	—

Board meetings

5 Nov 2026 Board Meeting - Financial Results
6 Aug 2026 Board Meeting - Financial Results