India Shelter Finance Corporation Limited share price
NSE: INDIASHLTR · ISIN INE922K01024
Key numbers
- Market cap
- ₹ 7,145 Cr
- Current price
- ₹ 654.30
- 52-week high / low
- ₹ 924 / 620
- Stock P/E
- 13.8
- Book value
- ₹ 294.1
- Dividend yield
- 1.53%
- ROCE
- 7.7%
- ROE
- 17.0%
- Debt to equity
- 1.95
- Sales growth (3 yrs)
- 37.8%
- Profit growth (3 yrs)
- 48.0%
- 1-year return
- -26.6%
About India Shelter Finance Corporation Limited
India Shelter Finance Corporation Limited operates as a housing finance company in India. The company offers home, purchase and construction, and home renovation loans, as well as loans against property. It also provides secured retail home and home equity loans. The company was formerly known as Satyaprakash Housing Finance India Limited and changed its name to India Shelter Finance Corporation Limited in March 2010. India Shelter Finance Corporation Limited was incorporated in 1998 and is based in Gurugram, India.
Quarterly results
Consolidated figures in ₹ crores
| Mar 2025 | Jun 2025 | Dec 2025 | Mar 2026 | Jun 2026 | |
|---|---|---|---|---|---|
| Sales | 306 | 324 | 347 | 375 | 395 |
| Operating profit | 124 | 130 | 133 | 158 | 164 |
| Net profit | 108 | 119 | 124 | 140 | 143 |
| EPS (₹) | 10.01 | 11.05 | 11.44 | 12.89 | 13.15 |
Concall summary (2026-08-14)
AI summary of the earnings call transcript · tone: Positive · source document
Guidance & outlook
- Bank clearance was around INR 1,040 crores, which is at par with quarter 4 financial year '26 and almost 37% higher than Q1FY26.
- We expect Asset Quality to stabilize around similar levels at the end of Q2FY27 and expect recovery from Q3FY27 onwards.
Growth & demand
- India's mortgage penetration remains at approximately 11% to 12% of GDP, significantly lower than most of developed and several emerging economies, highlighting the long runway for structural growth.
- Against this backdrop, gross AUM grew 24% year-on-year to INR 11,284 crores.
Margins & costs
- Finance cost is stable at 8.2% on quarter -on-quarter basis.
- Our marginal cost of fund is also stable at 7.9% quarter-on-quarter basis.
Capex & expansion
- The Indian economy continues to remain one of the fastest-growing major economies globally, supported by strong domestic demand, healthy government capital expenditures and improving private sector investments.
- We continue to invest in expanding our distribution, strengthening technology capabilities, deepening customer relationships, and building organization capabilities that position u s well to capture the significant opportunities in the affordable housing finance market.
Balance sheet & cash
- Our borrowing profile continue to be di versified with more than 30 counterparties.
- Average borrowing tenure is more than 8 years, which is co-terminus with the behavioural tenure of our loan assets.
Peers in Mortgage Finance
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