INDIA SHELTE FIN

Why is India Shelter Finance Corporation Ltd falling/rising?

As of 01-Sep, India Shelter Finance Corporation Ltd's stock is at Rs. 629.60, down 3.27%, having hit a 52-week low and underperformed its sector. The stock has declined significantly over the past year due to bearish trends and increased pledged shares, despite some positive long-term fundamentals.

As of 01-Sep, India Shelter Finance Corporation Ltd's stock price is falling, currently at Rs. 629.60, which reflects a decrease of Rs. 21.3 or 3.27%. The stock has recently hit a new 52-week low of Rs. 628 and has underperformed its sector by 2.51% today. Over the past week, the stock has declined by 4.06%, and in the last month, it has dropped by 13.47%. Year-to-date, the stock is down 21.60%, and it has experienced a significant decline of 30.43% over the past year.<BR><BR>Several factors contribute to this downward trend. The stock is trading below its moving averages across various time frames, indicating a bearish trend. Additionally, 100% of promoter shares are pledged, which can exert additional downward pressure in a falling market. The proportion of pledged holdings has also increased by 3.04% over the last quarter, further raising concerns among investors. <BR><BR>Despite some positive long-term fundamentals, such as a 31.48% CAGR growth in operating profits and a healthy increase in net sales, the stock's recent performance has been disappointing. The company has generated a return of -30.43% over the past year, and its recent flat results reported on June 26 have not instilled confidence in investors. Overall, these factors combined have led to the stock's decline.

Which are the latest news on INDIA SHELTE FIN?

Who are in the management team of INDIA SHELTE FIN?

The management team of INDIA SHELTE FIN includes Chairman Sudhin Choksey, Managing Director & CEO Rupinder Singh, and several nominees and independent directors, along with Company Secretary Mukti Chaplot, overseeing the company's operations and strategy.

The management team of INDIA SHELTE FIN includes the following individuals:<BR><BR>1. **Sudhin Choksey** - Chairman (Non-Executive)<BR>2. **Rupinder Singh** - Managing Director & CEO<BR>3. **Anup Kumar Gupta** - Nominee<BR>4. **Shailesh J Mehta** - Nominee<BR>5. **Sumir Chadha** - Nominee<BR>6. **Rachna Dikshit** - Independent Director<BR>7. **Thomson Kadantot Thomas** - Independent Director<BR>8. **P K Gupta** - Independent Director<BR>9. **Ajay Narayan Jha** - Independent Director<BR>10. **Savita Mahajan** - Independent Director<BR>11. **Mukti Chaplot** - Company Secretary & Compliance Officer<BR><BR>This team is responsible for overseeing the company's operations and strategic direction.

What does INDIA SHELTE FIN do?

India Shelter Finance Corporation Ltd is a small-cap housing finance company, reporting net sales of ₹432 Cr and a net profit of ₹143 Cr for June 2026, with a market cap of ₹7,065 Cr. Key metrics include a P/E of 14.00, a dividend yield of 1.54%, and a debt-equity ratio of 1.95.

Overview: <BR>India Shelter Finance Corporation Ltd is a small-cap company operating in the housing finance industry.<BR><BR>History: <BR>The company was incorporated in 1998 under the name "Satyaprakash Housing Finance India Limited." It has undergone a name change to its current title and reported its latest quarterly results for June 2026, showing net sales and profit figures.<BR><BR>Financial Snapshot: <BR>Most recent Net Sales: 432 Cr (Quarterly Results - Jun 2026) <BR>Most recent Net Profit: 143 Cr (Quarterly Results - Jun 2026) <BR>Market-cap value: INR 7,065 Cr (Small Cap)<BR><BR>Key Metrics: <BR>P/E: 14.00 <BR>Industry P/E: 12 <BR>Dividend Yield: 1.54% <BR>Debt-Equity: 1.95 <BR>Return on Equity: 15.73% <BR>Price to Book: 2.21<BR><BR>Contact Details: <BR>Address: Not available <BR>Phone: N/A <BR>Email: N/A <BR>Website: N/A

Who are the peers of the INDIA SHELTE FIN?

INDIA SHELTE FIN's peers include Sammaan Capital, Aptus Value Housing, Home First Finance, Can Fin Homes, Aavas Financiers, Repco Home Finance, GIC Housing Finance, Reliance Home, and Ind Bank Housing. The company has good management risk and growth, with a 1-year return of -31.00%, better than Reliance Home but worse than Sammaan Capital's 18.23%.

Peers: The peers of INDIA SHELTE FIN are Sammaan Capital, Aptus Value Hou., Home First Finan, Can Fin Homes, Aavas Financiers, Repco Home Fin, GIC Housing Fin, Reliance Home, Ind Bank Housing.<BR><BR>Quality Snapshot: Excellent management risk is observed at Aptus Value Hou. and Can Fin Homes, while Good management risk is found at Home First Finan, Aavas Financiers, INDIA SHELTE FIN, and Repco Home Fin. Average management risk is noted for Sammaan Capital, while Below Average management risk is present at GIC Housing Fin and Reliance Home. Growth is Excellent for Home First Finan and INDIA SHELTE FIN, Good for Aptus Value Hou. and SRG Housing, Average for Can Fin Homes and Aavas Financiers, and Below Average for Sammaan Capital, Repco Home Fin, GIC Housing Fin, and Reliance Home. Capital Structure is Excellent for Sammaan Capital, Aptus Value Hou., Home First Finan, Aavas Financiers, INDIA SHELTE FIN, Repco Home Fin, and GIC Housing Fin, while Good is noted for Can Fin Homes and Average for Reliance Home.<BR><BR>Return Snapshot: The peer with the highest 1-year return is Sammaan Capital at 18.23%, while Reliance Home has the lowest at -61.84%. INDIA SHELTE FIN's 1-year return of -31.00% is better than Reliance Home's but worse than Sammaan Capital's. Additionally, the peers with negative six-month returns include Aavas Financiers, Reliance Home, and GIC Housing Fin.

How big is INDIA SHELTE FIN?

As of 31st August, India Shelter Finance Corporation Ltd has a market capitalization of 7,065.00 Cr, with Net Sales of 1,528.40 Cr and a Net Profit of 503.15 Cr over the latest four quarters. Shareholder's Funds are valued at 3,198.12 Cr, and Total Assets amount to 9,614.29 Cr.

As of 31st August, India Shelter Finance Corporation Ltd has a market capitalization of 7,065.00 Cr, categorizing it as a Small Cap company.<BR><BR>In the latest four quarters, the company reported Net Sales of 1,528.40 Cr and a Net Profit of 503.15 Cr.<BR><BR>For the latest annual period, the Shareholder's Funds were valued at 3,198.12 Cr, while the Total Assets amounted to 9,614.29 Cr.

Should I buy, sell or hold India Shelter Finance Corporation Ltd?

Are India Shelter Finance Corporation Ltd latest results good or bad?

India Shelter Finance Corporation Ltd's latest results are strong, with a 27.24% increase in net profit and a 24.73% rise in revenue year-on-year. However, technical indicators show a mildly bearish trend, and the company's premium valuation compared to peers suggests investors should exercise caution.

India Shelter Finance Corporation Ltd's latest results indicate a strong performance overall. For the quarter ended March 2026, the company reported a net profit of ₹137.59 crore, which represents a significant year-on-year increase of 27.24%. Additionally, revenue grew by 24.73% compared to the same quarter last year, showcasing consistent operational growth.<BR><BR>The return on equity (ROE) stands at 15.29%, which is above the industry average, reflecting effective capital utilization. The profit after tax (PAT) margin improved to 33.70%, indicating better profitability despite rising interest costs.<BR><BR>However, it's worth noting that the stock has entered a mildly bearish technical territory, trading below key moving averages, which may raise concerns among investors. Additionally, while the company has demonstrated impressive growth, the premium valuation compared to peers suggests that caution is warranted.<BR><BR>In summary, the financial results are largely positive, showcasing strong growth and profitability, but the technical indicators and valuation concerns suggest a more cautious outlook for investors.

When is the next results date for India Shelter Finance Corporation Ltd?

The next results date for India Shelter Finance Corporation Ltd is August 6, 2026.

The next results date for India Shelter Finance Corporation Ltd is scheduled for August 6, 2026.

Is INDIA SHELTE FIN technically bullish or bearish?

As of November 28, 2025, the technical trend is mildly bullish, supported by daily moving averages and monthly Bollinger Bands, though caution is advised due to mixed signals from weekly MACD, KST, and OBV indicators.

As of 28 November 2025, the technical trend has changed from sideways to mildly bullish. The daily moving averages indicate a bullish stance, while the weekly MACD is mildly bearish, suggesting some short-term weakness. The Bollinger Bands show a mildly bullish trend on the monthly timeframe, supporting the overall positive outlook. However, the weekly KST and OBV are bearish, indicating caution. Overall, the current technical stance is mildly bullish, driven primarily by the daily moving averages and monthly Bollinger Bands, despite some mixed signals from other indicators.

Is INDIA SHELTE FIN overvalued or undervalued?

As of November 18, 2025, INDIA SHELTE FIN is fairly valued with a PE ratio of 22.40, outperforming the Sensex with a 43.45% return over the past year, while its peers show varying valuations, with HUDCO being expensive at a PE of 17.43 and LIC Housing Finance attractive at 5.65.

As of 18 November 2025, the valuation grade for INDIA SHELTE FIN has moved from very attractive to fair. The company is currently fairly valued. Key ratios include a PE ratio of 22.40, an EV to EBITDA of 15.30, and a PEG ratio of 0.44, indicating a relatively reasonable valuation compared to its earnings growth potential.<BR><BR>In comparison to its peers, HUDCO is considered very expensive with a PE of 17.43, while LIC Housing Finance is attractive with a much lower PE of 5.65. This suggests that INDIA SHELTE FIN is positioned competitively within the housing finance sector. Notably, the company's stock has outperformed the Sensex significantly over the past year, with a return of 43.45% compared to the Sensex's 9.48%, reinforcing the fair valuation perspective.

How has been the historical performance of INDIA SHELTE FIN?

INDIA SHELTE FIN has shown significant growth over the past three years, with net sales increasing from 584.53 Cr in March 2023 to 1,165.64 Cr in March 2025, alongside improvements in operating profit, profit before tax, and earnings per share. Total assets also rose to 7,741.25 Cr in March 2025, reflecting a strong financial performance.

Answer:<BR>The historical performance of INDIA SHELTE FIN shows significant growth over the past three years.<BR><BR>Breakdown:<BR>In the fiscal year ending March 2025, INDIA SHELTE FIN reported net sales of 1,165.64 Cr, a substantial increase from 829.62 Cr in March 2024 and 584.53 Cr in March 2023. The total operating income mirrored this trend, reaching 1,165.64 Cr in March 2025, compared to 829.62 Cr in the previous year and 584.53 Cr two years prior. Operating profit (PBDIT) also saw a notable rise, reaching 855.67 Cr in March 2025, up from 617.61 Cr in March 2024 and 420.02 Cr in March 2023. Profit before tax increased to 489.19 Cr in March 2025, compared to 319.18 Cr in March 2024 and 201.95 Cr in March 2023, while profit after tax rose to 377.87 Cr from 247.60 Cr and 155.34 Cr in the respective prior years. The company's earnings per share (EPS) improved significantly, reaching 35.02 in March 2025, up from 23.13 in March 2024 and 17.75 in March 2023. On the balance sheet, total assets grew to 7,741.25 Cr in March 2025, up from 5,791.12 Cr in March 2024 and 4,292.56 Cr in March 2023, while total liabilities also increased to 7,741.25 Cr in March 2025. The cash flow from financing activities showed a positive trend, with a net cash inflow of 70.00 Cr in March 2025, compared to a net outflow of 249.00 Cr in March 2024. Overall, the financial metrics indicate a robust growth trajectory for INDIA SHELTE FIN over the past three years.

Who are the top shareholders of the INDIA SHELTE FIN?

The top shareholders of INDIA SHELTE FIN include Aravali Investment Holdings with 26.34%, 17 mutual fund schemes holding 12.33%, and Nexus Ventures III Limited at 11.2%. Promoters hold the majority of shares, with no pledged holdings reported.

The top shareholders of INDIA SHELTE FIN include a mix of promoters, institutional investors, and individual shareholders. The largest promoter is Aravali Investment Holdings, which holds 26.34% of the shares. Additionally, the company has 17 mutual fund schemes collectively holding 12.33%, and 51 foreign institutional investors (FIIs) with a combined holding of 6.94%. The highest public shareholder is Nexus Ventures III Limited, owning 11.2%. Individual investors account for 6.65% of the shares. Overall, the majority of the shares are held by promoters, with no pledged promoter holdings reported.

Has INDIA SHELTE FIN declared dividend?

No Dividend History Available