Incorporated in 1998, India Shelter Finance Corporation Limited is engaged in the business of housing finance.[1]
Business Profile[1]The company finances purchase and self-construction of residential properties by first-time home loan takers through home loans and offers loans against property (LAP).
| S.No. | Name | Current Price (Rs.) | Price to Earning | Market Capitalization (Rs.Cr.) | Dividend yield (%) | Net Profit latest quarter (Rs.Cr.) | YOY Quarterly profit growth (%) | Sales latest quarter (Rs.Cr.) | YOY Quarterly sales growth (%) | Return on capital employed (%) | Sales (Rs.Cr.) | OPM (%) | Profit after tax (Rs.Cr.) | Profit after tax latest quarter (Rs.Cr.) | Price to book value | Return on assets (%) | Debt to equity |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 1. | Bajaj Housing | 97.45 | 34.39 | 81198.60 | 0.00 | 642.96 | 17.84 | 2754.85 | 14.30 | 9.55 | 10327.38 | 90.96 | 2360.96 | 642.96 | 3.83 | 2.35 | 4.44 |
| 2. | Piramal Finance. | 1770.60 | 64.67 | 40135.55 | 0.00 | 326.99 | 150.22 | 2871.55 | 21.42 | 7.73 | 10150.20 | 58.14 | 620.66 | 407.79 | 1.46 | 0.60 | 2.61 |
| 3. | LIC Housing Fin. | 539.90 | 5.38 | 29697.90 | 1.85 | 1349.37 | 1.62 | 7179.25 | 3.48 | 8.93 | 28804.92 | 93.85 | 5521.36 | 1349.25 | 0.77 | 1.80 | 7.08 |
| 4. | PNB Housing | 1003.90 | 11.91 | 26152.45 | 0.50 | 626.49 | 32.82 | 2167.91 | 16.08 | 9.46 | 8184.49 | 93.96 | 2196.76 | 626.49 | 1.45 | 2.52 | 3.62 |
| 5. | Aadhar Hsg. Fin. | 503.25 | 22.10 | 21830.80 | 0.00 | 266.47 | 17.12 | 897.13 | 17.38 | 11.42 | 3375.53 | 76.35 | 987.93 | 266.47 | 3.16 | 4.31 | 2.55 |
| 6. | Aptus Value Hou. | 287.65 | 17.08 | 14403.29 | 1.56 | 226.55 | 24.50 | 544.04 | 29.11 | 15.05 | 1998.39 | 84.25 | 843.33 | 226.55 | 3.09 | 7.42 | 1.57 |
| 7. | Sammaan Capital | 151.49 | 9.89 | 12553.42 | 0.00 | 308.47 | 111.17 | 2250.60 | -7.10 | 3.65 | 8774.88 | 74.43 | 1269.25 | 308.47 | 0.56 | -2.52 | 2.04 |
| 8. | INDIA SHELTE FIN | 817.30 | 19.95 | 8877.56 | 0.61 | 121.83 | 35.56 | 368.91 | 30.69 | 12.61 | 1360.79 | 73.29 | 444.91 | 121.83 | 3.04 | 5.57 | 1.89 |
| – | Median: 16 Co. | 466.48 | 17.08 | 11976.08 | 0.42 | 195.24 | 24.75 | 605.53 | 14.98 | 9.82 | 2262.96 | 77.97 | 611.96 | 195.24 | 1.59 | 2.44 | 2.67 |
Standalone figures in ₹ crores
| Dec 2022 | Dec 2023 | Dec 2024 | Jun 2023 | Jun 2024 | Jun 2025 | Mar 2023 | Mar 2024 | Mar 2025 | Sep 2023 | Sep 2024 | Sep 2025 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
Sales | – | – | – | – | – | – | – | – | – | – | – | – |
Expenses | 44 | 61 | 85 | 57 | 73 | 97 | 51 | 67 | 83 | 59 | 79 | 98 |
Operating Profit | – | – | – | – | – | – | – | – | – | – | – | – |
Other Income | 6 | 10 | 0 | 6 | 9 | 0 | 8 | 10 | 0 | 7 | 1 | 0 |
Profit before tax | 52 | 81 | 124 | 61 | 108 | 155 | 68 | 99 | 139 | 77 | 117 | 158 |
Tax % | 23% | 23% | 23% | 23% | 23% | 23% | 22% | 22% | 23% | 22% | 23% | 23% |
Net Profit | 40 | 62 | 96 | 47 | 83 | 119 | 53 | 78 | 108 | 60 | 90 | 122 |
EPS in Rs | 9.14 | 5.80 | 8.91 | 10.69 | 7.77 | 11.05 | 12.06 | 7.26 | 10.00 | 6.67 | 8.37 | 11.24 |
Standalone Figures in ₹ Crores / Yearly
| Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | TTM | |
|---|---|---|---|---|---|---|---|---|
Sales | – | – | – | – | – | – | – | – |
Expenses | 83 | 84 | 99 | 138 | 185 | 243 | 319 | 363 |
Operating Profit | – | – | – | – | – | – | – | – |
Other Income | 0 | 0 | 6 | 12 | 22 | 32 | 10 | 0 |
Interest | 49 | 76 | 106 | 149 | 211 | 289 | 356 | 410 |
Depreciation | 2 | 6 | 5 | 7 | 8 | 10 | 12 | 12 |
Profit before tax | 38 | 64 | 113 | 167 | 201 | 318 | 488 | 576 |
Net Profit | 28 | 47 | 87 | 128 | 155 | 247 | 377 | 445 |
EPS in Rs | 6.59 | 10.95 | 20.33 | 29.39 | 35.32 | 23.06 | 34.95 | 41.20 |
Dividend Payout % | 0% | 0% | 0% | 0% | 0% | 0% | 14% | – |
Standalone figures in ₹ crores
| Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Sep 2025 | |
|---|---|---|---|---|---|---|---|---|
Equity Capital | 42 | 43 | 43 | 44 | 44 | 54 | 54 | 54 |
Reserves | 751 | 805 | 894 | 1,032 | 1,196 | 2,244 | 2,653 | 2,859 |
Borrowings | – | – | – | – | – | – | – | – |
Other Liabilities | 61 | 262 | 41 | 75 | 66 | 80 | 70 | 173 |
Total Liabilities | 1,362 | 1,799 | 2,470 | 3,221 | 4,295 | 5,793 | 7,746 | 8,578 |
Fixed Assets | 7 | 18 | 15 | 17 | 24 | 30 | 29 | 31 |
Gross Block | 12.13 | 27.79 | 29.31 | 34.82 | 46.84 | 57.34 | 67.02 | – |
Accumulated Depreciation | 5.50 | 9.94 | 14.20 | 17.78 | 22.53 | 27.53 | 37.65 | – |
CWIP | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Investments | 80 | 94 | 0 | 175 | 59 | 170 | 327 | 480 |
Other Assets | 1,276 | 1,687 | 2,455 | 3,029 | 4,212 | 5,593 | 7,389 | 8,067 |
Total Assets | 1,362 | 1,799 | 2,470 | 3,221 | 4,295 | 5,793 | 7,746 | 8,578 |
Standalone Figures in ₹ Crores / Yearly
| Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | |
|---|---|---|---|---|---|---|---|
Cash from Operating Activity | -341 | -292 | -421 | -495 | -853 | -1,233 | -1,436 |
Cash from Investing Activity | 26 | -150 | 77 | 1 | 161 | -233 | -61 |
Cash from Financing Activity | 344 | 395 | 560 | 592 | 907 | 1,220 | 1,566 |
Net Cash Flow | 28 | -46 | 216 | 97 | 215 | -247 | 70 |
Standalone Figures in ₹ Crores / Yearly
| Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | |
|---|---|---|---|---|---|---|---|
Debtor Days | – | – | – | – | – | – | – |
Inventory Days | – | – | – | – | – | – | – |
Days Payable | – | – | – | – | – | – | – |
Cash Conversion Cycle | – | – | – | – | – | – | – |
Working Capital Days | – | – | – | – | – | – | – |
ROCE % | – | – | – | – | – | – | – |
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Stock Analysis
India Shelter Finance Corporation Limited is engaged in the business of housing finance.
Currently no data available for Key Growth Triggers.
Currently no data available for Order Book.
Currently no data available for Key Red Flags.
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