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India Shelter Finance Corporation Limited

India Shelter Finance Corporation Limited

NSE: INDIASHLTR
Mortgage FinanceFinancial ServicesSMALL CAPMCap ₹6.78k Cr
₹620.60₹-4.15 (-0.66%)

Market Closed • NSE

Market cap₹6.78k Cr
Enterprise value₹12.85k Cr
P/E TTM13.06
Forward P/E8.93
P/B2.11
EPS TTM₹47.53
Forward EPS₹69.50
ROCE12.80%
D/E1.95
Dividend yield0.02%
Face value₹5.00
52W high₹924.00
52W low₹617.65
Price chart(1Y)
1Y Return:-14.77% (₹107.55)
H: ₹830L: ₹617.65
1W-2.01%
1M-7.40%
3M-23.87%
6M-24.44%
1Y-29.96%
Today at a glance

Day range

₹617.65₹639.45

52 week range

₹617.65₹924.00
Volume79.3K0.94x 20D avg
Free float50.00%-5.90% volume

India Shelter Finance Corporation Limited closed at INR620.60 (-0.66%) on volume 0.94x its 20-day average, trading 32.84% below its 52-week high.

Technical analysis
RSI (14)34.5Neutral (30–70)
MACDBEARISHBearish (Below signal)
ATR (14)₹18.39Moderate
SMA 20₹645.00BEARISH
SMA 50₹657.48BEARISH
SMA 100₹713.03BEARISH
SMA 200₹742.04BEARISH
CPR bottom₹629.63
Pivot₹628.00
CPR top₹626.38
What changed recently?

2026-Q2

Q2 FY2026 Financial Results

PAT moved +3.6% QoQ

2026-06-19

DIVIDEND Announced

Dividend - Rs 10 Per Share

2025-07-04

DIVIDEND Announced

Dividend - Rs 5 Per Share

Shariah audit
Methodology: AAOIFI Shariah Standard No. 21
FAIL1/4 criteria
Non-Compliant (Business Activity)
CriteriaNumeratorDenominatorValueThresholdStatus
Interest-bearing debt ratio₹1323.52k Cr₹6.78k Cr19530.30%≤ 33%FAIL
Non-halal income ratio–₹6.78k Cr0.00%≤ 5%FAIL
Illiquid assets ratio–₹9.62k Cr—≥ 20%PENDING_DATA
Receivables ratio–₹9.62k Cr—≤ 49%PASS
Valuation & sector context
MetricCompanySector
P/E13.0616.50
Forward P/E8.93—
P/B2.111.60
EV/EBITDA—18.00
PEG—0.50
Earnings yield7.706.10
Growth & profitability
RevenuePAT
FY25PAT margin 37.80%
FY26PAT margin 38.70%

Revenue and PAT bars use independent scales to make their year-on-year direction readable.

Revenue CAGR 3Y—
Revenue CAGR 5Y—
PAT CAGR 3Y+10.00%
PAT CAGR 5Y+5.90%
Operating margin62.15%
Net margin47.97%
Financial health & cash flow
Net debt₹1323.52k CrModerate
Interest coverage0.00xEBIT / interest
CFO / PAT-2.36x3Y average
Net debt / EBITDA—Leverage
Operating cash flow₹-118500.0 Lakh
Capital expenditure–
Free cash flow₹-118500.0 Lakh
Financial statements

Complete reported financial history · Values use the company's reporting currency

Hover over the chart for exact reported values. Percentage lines use the right-hand axis.

Fundamental scorecard
Overall63/100
Valuation75/100
Profitability65/100
Financial health50/100

A 0–100 quantitative summary of reported fundamentals. Use the underlying financials and risks for context; the score is not a buy or sell recommendation.

Strengths, risks & investment thesis

Strengths

Attractive Valuation: P/E of 13.1x trades below sector historical averages

Risks

Elevated Leverage Burden: Debt-to-Equity stands at 1.95x

Bull case

Market Leadership: Established operational scale in Mortgage Finance.

Bear case

Macro Headwinds: Fluctuations in interest rates and sector-specific policy shifts could compress multiples.

Flip condition

Sustained quarterly EBITDA margin expansion above 20% would trigger an upgrade.

Shareholding pattern
Quarterly ownership historyLatest valid period · September 2024

Ownership distribution

Sept 2024Latest holding

Category trends

Hover over a period for exact holdings

60%40%20%0%Sept 2024
28.78%Institutional holding
25.15%Public holding
1Periods available
0.00%Promoter pledged
56.22KShareholders
Corporate Action

Complete dividend, bonus, split, rights and other action history

Record dateCorporate actionInformationAnnouncement dateEx-date
19 Jun 2026Dividend₹10.00 / share—19 Jun 2026
04 Jul 2025Dividend₹5.00 / share—04 Jul 2025
Delivery participation

Traded volume and delivery percentage across the latest 20 sessions

Average delivery (20D)52.14%-17.23% latest vs average
Highest delivery74.46%on 15 Oct
Average volume (20D)84.2KTrading-session average
Conviction trendWeakening-17.23% latest reading
Traded volumeDelivery %
Peer comparison

Compare valuation, latest quarterly performance and year-on-year growth

8 companies
Company nameMarket cap ₹ CrP/E ratioDividend yield %Quarterly sales ₹ CrProfit after tax ₹ CrSales growth %Profit growth %
HDFC Bank Limited
HDFC Bank LimitedHDFCBANK
Open analysis
₹11.24L15.931.79%₹46,355.55₹19,059.72-45.69%+17.23%
ICICI Bank Limited
ICICI Bank LimitedICICIBANK
Open analysis
₹10.03L18.060.86%₹32,960.41₹16,276.00-35.98%+12.59%
State Bank of India
State Bank of IndiaSBIN
Open analysis
₹8.89L10.321.81%₹62,915.13₹25,121.00-29.09%+13.56%
Bajaj Finance Limited
Bajaj Finance LimitedBAJFINANCE
Open analysis
₹6.11L29.360.56%₹13,929.00₹6,081.00+17.62%+27.62%
Life Insurance Corporation of India
Life Insurance Corporation of IndiaLICI
Open analysis
₹5.03L8.372.54%₹2.40L₹13,584.00+6.76%+24.00%
Kotak Mahindra Bank Limited
Kotak Mahindra Bank LimitedKOTAKBANK
Open analysis
₹4.45L21.930.15%₹11,266.63₹5,480.00-41.22%+22.54%
Axis Bank Limited
Axis Bank LimitedAXISBANK
Open analysis
₹4.02L14.510.08%₹21,381.52₹7,114.00-3.52%+22.53%
Bajaj Finserv Ltd.
Bajaj Finserv Ltd.BAJAJFINSV
Open analysis
₹2.77L27.450.08%₹42,036.90—+39.05%—
About India Shelter Finance Corporation Limited
India Shelter Finance Corporation Limited

Incorporated in 1998, India Shelter Finance Corporation Limited is engaged in the business of housing finance. [1]

IndiaFinancial Services

Questions investors ask
Is India Shelter Finance Corporation Limited Shariah compliant?

India Shelter Finance Corporation Limited is currently screened as Non-Compliant (Business Activity) under AAOIFI Shariah Standard No. 21. Business activity in non-permissible sector: /\bfinancial services\b/i Debt to Market Cap (19530.3%) exceeds AAOIFI threshold (≤ 33%).

What is India Shelter Finance Corporation Limited's current valuation relative to peers?

India Shelter Finance Corporation Limited trades at a P/E of 13.1x compared to the sector median of 16.5x, and a Price-to-Book of 2.1x.

Is the company financially healthy?

The company has a Debt-to-Equity ratio of 1.95x. Interest coverage is 0x.

What are the historical revenue and profit growth rates?

Over the past 5 years, revenue compounded at steady rates while net profit growth averaged 5.9%.

Market data is informational and may be delayed. Shariah screening follows the displayed methodology. This is not investment advice.

Market data may be delayed. Quote date: 2026-10-16. Financial figures relate to their stated reporting periods. This information is for research and is not a recommendation to buy or sell.