INDIASHLTR
India Shelter Finance Corporation Limited (INDIASHLTR) Stock Analysis
India Shelter Finance Corporation Limited provides affordable housing loans to middle- and lower-income borrowers. It focuses on home purchase and construction in underserved segments. The company uses branch networks and underwriting tailored to informal incomes. It is a listed housing finance company.
Financial Services › Mortgage Finance
₹620.60
-3.55% 1W | -27.80% 52W
Market Cap
6.8k CR
P/E Ratio
13.1
52W High
₹924
52W Low
₹617.6
Div. Yield
1.6%
Beta
-0
50 DMA
₹660.1
200 DMA
₹742.4
Profit Margin
48%
Inst. Own.
54.6%
⚠️ BREAKDOWN
⚠️ BREAKDOWN
Fundamentals
Profit & Loss
| Metric | Mar 2023 | Jun 2023 | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 170 | 182 | 204 | 209 | 235 | 252 | 283 | 304 | 327 | 361 | 369 | 390 | 408 |
| Interest | 56 | 68 | 72 | 74 | 75 | 77 | 85 | 92 | 102 | 106 | 110 | 114 | 115 |
| Expenses | 51 | 57 | 59 | 61 | 67 | 73 | 79 | 85 | 83 | 97 | 98 | 113 | 110 |
| Financing Profit | 63 | 57 | 73 | 74 | 93 | 102 | 119 | 127 | 142 | 158 | 161 | 163 | 183 |
| Financing Margin % | 37% | 31% | 36% | 35% | 40% | 40% | 42% | 42% | 44% | 44% | 44% | 42% | 45% |
| Other Income | 8 | 6 | 7 | 10 | 10 | 9 | 1 | 0 | 0 | 0 | 0 | 0 | 0 |
| Depreciation | 2 | 2 | 2 | 2 | 3 | 3 | 3 | 3 | 3 | 3 | 3 | 3 | 3 |
| Profit before tax | 68 | 61 | 77 | 81 | 100 | 108 | 117 | 124 | 140 | 155 | 158 | 160 | 180 |
| Tax % | 22% | 23% | 22% | 23% | 22% | 23% | 23% | 23% | 23% | 23% | 23% | 22% | 24% |
| Net Profit | 53 | 47 | 60 | 62 | 78 | 84 | 90 | 96 | 108 | 119 | 122 | 124 | 138 |
| EPS in Rs | 6.05 | 5.36 | 6.69 | 5.82 | 7.28 | 7.79 | 8.39 | 8.92 | 10.02 | 11.07 | 11.26 | 11.42 | 12.65 |
| Gross NPA % | 1.13% | 1.09% | 1.20% | 0.97% | 1.14% | 1.24% | 1.25% | 0.99% | 1.24% | 1.25% | 1.54% | 1.25% | |
| Net NPA % | 0.85% | 0.80% | 0.90% | 0.73% | 0.86% | 0.94% | 0.94% | 0.75% | 0.95% | 0.94% | 1.16% | 0.93% |
| Metric | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|---|---|
| Revenue | 317 | 448 | 585 | 830 | 1,166 | 1,529 |
| Interest | 106 | 149 | 211 | 289 | 356 | 446 |
| Expenses | 99 | 138 | 185 | 243 | 319 | 417 |
| Financing Profit | 112 | 162 | 189 | 298 | 491 | 666 |
| Financing Margin % | 35% | 36% | 32% | 36% | 42% | 44% |
| Other Income | 6 | 12 | 21 | 32 | 10 | -0 |
| Depreciation | 5 | 7 | 8 | 10 | 12 | 12 |
| Profit before tax | 113 | 167 | 202 | 319 | 489 | 653 |
| Tax % | 23% | 23% | 23% | 22% | 23% | 23% |
| Net Profit | 87 | 128 | 155 | 248 | 378 | 503 |
| EPS in Rs | 10.16 | 14.70 | 17.71 | 23.13 | 35.02 | 46.26 |
| Dividend Payout % | 0% | 0% | 0% | 0% | 14% | 22% |
Growth — CAGR
| Metric | 3Y | 5Y | 10Y |
|---|---|---|---|
| Revenue CAGR | 38.0% | 37.0% | – |
| Profit CAGR | 48.0% | 42.0% | – |
Shareholding Pattern
Promoters47.91%
FIIs7.96%
DIIs17.67%
Public26.46%
Promoters47.71%
FIIs8.02%
DIIs21.00%
Public23.27%
Promoters47.60%
FIIs7.48%
DIIs20.72%
Public24.20%
Promoters47.53%
FIIs6.87%
DIIs21.39%
Public24.21%
Promoters46.05%
FIIs6.86%
DIIs21.92%
Public25.15%
Promoters48.30%
FIIs5.28%
DIIs16.09%
Public30.32%
Promoters47.92%
FIIs6.93%
DIIs18.52%
Public26.64%
Promoters47.53%
FIIs6.87%
DIIs21.39%
Public24.21%
Promoters46.05%
FIIs6.86%
DIIs21.92%
Public25.15%
INDIASHLTR
Holdings Analysis
Key strengths & risk signals
55
Overall
79
Fundamental
31
Technical
Risks (4)
HIGH DEBT! D/E of 1.83 - caution advised.
POOR YEAR! Stock declined 24.6% in the last year.
BEARISH SENTIMENT! In last 30 days: 13 up days, 15 down days. Avg volume on up days: 107,532 vs down days: 184,435. Ratio: 0.58x
WEAK POSITION! Current price (642.6) is below both moving averages.
Strengths (3)
EXCELLENT EFFICIENCY! 48.0% profit margin - company keeps strong profits.
OVERSOLD! RSI at 19.8 - potential bounce opportunity.
MARKET ALIGNED! Beta of 1.00 - moves with the market.
Fundamental & Technical Analysis
55Overall
79Fundamental
31Technical
Fundamental Breakdown
Growth Quality
30/30
Revenue CAGR: 37.8% (EXCELLENT, 15/15). Profit CAGR: 48.0% (EXCELLENT, 15/15).
Profit Margin
10/10
EXCELLENT EFFICIENCY! 48.0% profit margin - company keeps strong profits.
PEG Valuation
10/10
UNDERVALUED! PEG of 0.30 indicates stock is cheap relative to growth.
Dividend Yield
5/10
LOW DIVIDEND! 1.45% yield - minimal income contribution.
Debt to Equity
4/10
HIGH DEBT! D/E of 1.83 - caution advised.
Public Holding
10/20
SIGNIFICANT PUBLIC HOLDING! 33.24% public ownership - moderate retail influence.
Stability Index
10/10
PERFECT RECORD! Revenue has grown consistently every year. Exceptional business stability.
Technical Breakdown
Moving Averages
3/10
BEARISH TREND! 50-day average (766.1) is below 200-day average (790.2) - negative signal.
Price Position
2/10
WEAK POSITION! Current price (642.6) is below both moving averages.
Trend Pattern
10/20
BREAKDOWN! Stock has broken below support levels - weakness present.
52W Performance
1/10
POOR YEAR! Stock declined 24.6% in the last year.
Volume Sentiment
5/30
BEARISH SENTIMENT! In last 30 days: 13 up days, 15 down days. Avg volume on up days: 107,532 vs down days: 184,435. Ratio: 0.58x
RSI
5/5
OVERSOLD! RSI at 19.8 - potential bounce opportunity.
52W Range
1/5
WEAK! Trading at 0.6% of 52W range - near yearly lows.
Momentum
1/5
NEGATIVE MOMENTUM! Price declined across timeframes - down 11.6% (1 week), 19.7% (1 month), 22.8% (3 months).
Beta
3/5
MARKET ALIGNED! Beta of 1.00 - moves with the market.
INDIASHLTR
Concall / Investor Presentation
Earnings call transcripts & AI summaries
| Quarter | Concall | Summary |
|---|---|---|
| Q1FY272026-08-14 | Concall PDF | |
| Q4FY262026-05-07 | Concall PDF | |
| Q3FY262026-02-12 | Concall PDF | |
| Q2FY262025-11-11 | Concall PDF |
Peer Comparison
Financial Services · Mortgage Finance · 8 stocks
| Stock | Price | P/E | Profit Margin | Revenue CAGR 5Y | Profit CAGR 5Y | 52W Change | Stock Strength | Trendline | YoY Profit | QoQ Profit | YoY Revenue | QoQ Revenue |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| INDIASHLTR | ₹620.60 | 13.1 | 48.0% | 37.8% | 48.0% | -27.8% | 55 | BREAKDOWN | +20.0% | +2.1% | +22.1% | +5.3% |
| AAVAS | ₹1,195.20 | 13.9 | 42.5% | 18.8% | 15.1% | -24.1% | 68 | CONSOLIDATING DOWN | +23.1% | -5.7% | +12.2% | +2.4% |
| CANFINHOME | ₹732.10 | 8.5 | 67.1% | 16.0% | 19.0% | -8.3% | 63 | CONSOLIDATING DOWN | – | +2.7% | +16.7% | -0.9% |
| APTUS | ₹222.50 | 11.3 | 61.8% | 23.0% | 23.3% | -28.6% | 64 | CONSOLIDATING DOWN | +19.0% | 0.0% | +19.3% | +1.9% |
| HOMEFIRST | ₹1,099.80 | 19.9 | 51.4% | 33.7% | 33.3% | -9.0% | 64 | BREAKDOWN | +34.5% | +7.0% | +17.4% | +7.0% |
| SAMMAANCAP | ₹133.90 | – | – | 21.0% | – | -17.9% | 45 | APPROACHING RESISTANCE | -27.2% | -103.0% | -30.1% | +0.1% |
| AADHARHFC | ₹447.00 | 17.4 | 48.2% | 21.7% | 26.2% | -12.3% | 70 | BREAKOUT | +19.0% | -9.2% | +15.6% | +2.9% |
| REPCOHOME | ₹340.80 | 4.4 | 56.8% | 44.9% | 14.6% | -16.4% | 73 | APPROACHING SUPPORT | +5.6% | -10.1% | +6.8% | +2.5% |
Data from TradeAlone · Updated daily
INDIASHLTR News
India Shelter Finance Corporation Limited (NSE: INDIASHLTR) gains 5% intraday despite breakdown trendline2026-08-12India Shelter Finance Corporation Limited (INDIASHLTR) breaks below support, falls 6%2026-08-10India Shelter Finance Corporation Limited (INDIASHLTR) falls 5% intraday, breaks below support2026-08-07India Shelter Finance Corporation Limited (indiashltr) Q1fy27: Gross AUM Up 24% Yoy2026-08-06India Shelter Finance Corporation Limited (INDIASHLTR) falls 5% intraday2026-07-22india shelter finance sees 29% yoy growth in aum2026-05-02india shelter finance sees strong growth in aum and profitability2026-05-02
