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NSE:INDIASHLTR

INDIA SHELTER FIN CORP L

Financial Services › Finance
₹676.65
at close · 27 Oct 2026
▲ 14.65 (+2.21%)

Latest filings

  1. 39,090 shares allotted on employee stock option exercise · Capital Market Events
  2. Reg 74(5) Depository Certificate filed for Q2 FY26 · Compliance
  3. Trading window closure from October 1 for Q2 results · Compliance
All filings ↓
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Snapshot

What the business is, and whether it's a good one at a fair price.

AI · written from filings

Lends for housing to retail customers, with all revenue from a single Housing Finance segment. Over 70% of the book is directed to Economically Weaker Section (EWS) and Low Income Group (LIG) customers in Tier 2 and Tier 3 cities. The marginal cost of funds is 7.9% and bucket cost of funds is 8.2%, keeping the spread above 6% guidance. Asset quality is reported at Gross Stage-3 of 1.2%, Net Stage-3 at 0.9% and 30+ days past due at 4%, with credit cost guided at 40-50 bps. Funding is drawn from bank facilities carrying an AA- stable rating (limit of Rs 2,500 crore) and from non-convertible debentures, including a recent Rs 75 crore issue at an 8.10% coupon. Employee cost accounts for 19.5% of revenue and other operating expenses 5.2%.

Operating scale
Assets under management (AUM)
Rs 11,044 croreFY26
Branch network
307 branches across 15 statesFY26
Employees
4,800FY26
Portfolio yield
14.8%Q4 FY26
Gross Stage-3 (GNPA)
1.2%Q4 FY26
Return on equity (ROE)
17.6%Q4 FY26
Who pays it
Retail housing loan borrowers, primarily EWS and LIG segments in Tier 2 and Tier 3 cities
Biggest cost
Cost of funds (bucket 8.2%, marginal 7.9% in Q4 FY26)
Kind of business
Asset-light housing finance NBFC focused on affordable housing, funded by bank lines and NCDs
Where it sits
AA- stable rated; CARE-reaffirmed bank facility limit of Rs 2,500 crore; recent Rs 75 crore NCD issue at 8.10% coupon
Market Cap
₹7,366 Cr
P / E (TTM)
14.6×
EV / EBITDA
—
Div Yield
0.73%
Growth
—·
Revenue 5y CAGR
PAT — · EBITDA —
Quality
—·
ROCE (FY26)
ROE 15.7% · margin 72.7%
Leverage
—·
Debt / Equity · not read for a lender
Revenue FY24→FY26
1.8×▲
Margin +3.1 pts
₹830 Cr → ₹1,528 Cr
Moves on a normal day
0.98%·
Median daily move
Last 267 sessions · the yardstick for filing-day moves
Where it sits among 19 Housing Finance Company peersBar = share of peers beaten · tick = industry median · latest reported figures
P/E (TTM)#11/17
P/B#13/17
ROE#3/17
EBITDA margin#11/19
Revenue growth#4/19
Profit growth#7/20

Scorecard

Measured from the filed financials, judged against its Housing Finance Company peers · as of FY26 — not investment advice

Not enough history to assess.

Charts

How has the market priced it — with filings on the timeline?

INDIASHLTR · price

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▲ positive · ▼ negative · ● neutral filings · teal = economic event · numbered = multiple that day (click to pick). Times IST.

Peers

How does it stack up on valuation, returns and growth?

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Financials

Quarterly & annual P&L, balance sheet, cash flow, ratios and segments.

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Ownership

Who owns it — and is the promoter stake clean?

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Common questions

Answered from INDIA SHELTER FIN CORP L's filed financials and exchange disclosures

What does INDIA SHELTER FIN CORP L do?

INDIA SHELTER FIN CORP L is a Finance company listed on NSE and BSE, trading under the symbol INDIASHLTR.

Is INDIA SHELTER FIN CORP L profitable?

Yes. Over the trailing twelve months INDIA SHELTER FIN CORP L reported a net profit of ₹503 Cr on revenue of ₹1,528 Cr.

Does INDIA SHELTER FIN CORP L pay a dividend?

Yes. The dividend yield is 0.73% at the current price. It paid out 11% of its profit as dividend in FY26.

Is INDIA SHELTER FIN CORP L expensive compared with its peers?

On trailing P/E, INDIA SHELTER FIN CORP L ranks 11 of 17 in Housing Finance Company — cheaper than 38% of them, against an industry median of 10.3×. This is a position, not a valuation judgement.

How much does the INDIA SHELTER FIN CORP L share price move in a day?

On a typical session INDIA SHELTER FIN CORP L moves 0.98% — that is the median absolute close-to-close move across its last 267 trading days. MarketPing measures each filing's price reaction against it.

Where can I track INDIA SHELTER FIN CORP L's announcements?

Every NSE and BSE filing by INDIA SHELTER FIN CORP L appears on this page, AI-summarised, alongside the price reaction that followed it. Follow the company to get each new filing on WhatsApp within minutes.

Figures are as last reported and may lag the latest filing. Not investment advice.