INDIA SHELTE FIN

What does INDIA SHELTE FIN do?

India Shelter Finance Corporation Ltd is a mid-cap housing finance company, incorporated in 1998, with a market cap of Rs 9,537 Cr and a net profit of 108 Cr for the quarter ending March 2025. Key metrics include a P/E ratio of 25.00 and a debt-equity ratio of 1.83.

Overview:<BR>India Shelter Finance Corporation Ltd is a mid-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 and is currently reporting its financial results for the quarter ending March 2025.<BR><BR>Financial Snapshot:<BR>Net Sales: 327 Cr (Quarterly Results - Mar 2025) <BR>Net Profit: 108 Cr (Quarterly Results - Mar 2025) <BR>Market Cap: Rs 9,537 Cr (Mid Cap)<BR><BR>Key Metrics:<BR>P/E: 25.00 <BR>Industry P/E: 13 <BR>Dividend Yield: 0.00% <BR>Debt-Equity: 1.83 <BR>Return on Equity: 13.95% <BR>Price to Book: 3.52 <BR><BR>Contact Details:<BR>Registrar Address: Not available. <BR>Phone: N/A <BR>Email: N/A <BR>Website: N/A

Who are in the management team of INDIA SHELTE FIN?

As of March 2023, the management team of INDIA SHELTE FIN includes Chairman Sudhin Choksey, Managing Director & CEO Rupinder Singh, and several independent and nominee directors, along with Company Secretary Mukti Chaplot. The team features a diverse mix of executive and non-executive roles.

As of March 2023, 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>The team comprises a mix of executive, non-executive, nominee, and independent directors, along with a compliance officer.

Has INDIA SHELTE FIN declared dividend?

No Dividend History Available

Who are the peers of the INDIA SHELTE FIN?

Peers of INDIA SHELTE FIN include Aptus Value Housing, Aavas Financiers, Home First Finance, Can Fin Homes, Sammaan Capital, Repco Home Finance, GIC Housing Finance, SRG Housing, and Star Housing Finance. INDIA SHELTE FIN has a good management risk rating and a 1-year return of 31.30%, slightly higher than Home First Finance's 31.17%.

Peers: The peers of INDIA SHELTE FIN are Aptus Value Hou., Aavas Financiers, Home First Finan, Can Fin Homes, Sammaan Capital, Repco Home Fin, GIC Housing Fin, SRG Housing, and Star Housing Fin.<BR><BR>Quality Snapshot: Excellent management risk is observed at Aptus Value Hou. and Can Fin Homes, while Good management risk is found at Aavas Financiers, Home First Finan, INDIA SHELTE FIN, and Repco Home Fin. Average management risk is seen at Sammaan Capital and SRG Housing, while Below Average management risk is present at GIC Housing Fin and Star Housing Fin. Growth is Excellent for Home First Finan and INDIA SHELTE FIN, Good for Aptus Value Hou., Aavas Financiers, and Can Fin Homes, Average for SRG Housing, and Below Average for Sammaan Capital and Repco Home Fin. Capital Structure is Excellent for Aptus Value Hou., Aavas Financiers, Home First Finan, Can Fin Homes, Sammaan Capital, INDIA SHELTE FIN, Repco Home Fin, GIC Housing Fin, and SRG Housing, while it is Good for Can Fin Homes and Below Average for Star Housing Fin.<BR><BR>Return Snapshot: Home First Finan has the highest 1-year return at 31.17%, while Sammaan Capital has the lowest at -22.75%. INDIA SHELTE FIN's 1-year return is 31.30%, which is slightly higher than Home First Finan's. Additionally, GIC Housing Fin, Sammaan Capital, SRG Housing, and Star Housing Fin all have negative six-month returns.

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.

How big is INDIA SHELTE FIN?

As of 24th July, India Shelter Finance Corporation Ltd has a market capitalization of 10,340.00 Cr, with net sales of 1,165.64 Cr and net profit of 377.87 Cr over the latest four quarters. Shareholder's funds are 2,708.74 Cr and total assets are valued at 7,741.25 Cr as of March 2025.

As of 24th July, <BR><BR>Market Cap: India Shelter Finance Corporation Ltd has a market capitalization of 10,340.00 Cr, categorizing it as a Mid Cap company.<BR><BR>Recent Quarterly Performance: The sum of Net Sales for the latest 4 quarters is 1,165.64 Cr, while the sum of Net Profit for the same period is 377.87 Cr.<BR><BR>Balance Sheet Snapshot: The reporting period is March 2025, with Shareholder's Funds amounting to 2,708.74 Cr and Total Assets valued at 7,741.25 Cr.

When is the next results date for INDIA SHELTE FIN?

The next results date for INDIA SHELTE FIN is 04 Nov 2025.

The next results date for INDIA SHELTE FIN is scheduled for 04 Nov 2025.

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.

Are INDIA SHELTE FIN latest results good or bad?

India Shelter Finance's latest Q2 FY26 results are positive, with a 35.49% increase in net profit and a stable net interest margin of 43.68%. However, its high P/E ratio of 23.27x compared to the industry average raises concerns about valuation sustainability, leading to a "HOLD" recommendation for investors.

India Shelter Finance's latest results for Q2 FY26 can be considered quite positive overall. The company reported a net profit of ₹122.04 crore, which reflects a significant year-on-year increase of 35.49%. Additionally, interest earned reached ₹369.21 crore, marking a 30.67% rise compared to the same quarter last year. This growth indicates strong demand in the affordable housing finance segment and effective scaling of its loan book.<BR><BR>The net interest margin (NIM) remained stable at 43.68%, which is a strong performance given the competitive landscape and rising funding costs in the sector. Furthermore, the return on equity (ROE) improved to 13.95%, indicating better capital efficiency.<BR><BR>However, there are some concerns regarding the company's premium valuation, as it trades at a P/E ratio of 23.27x, significantly higher than the industry average of 12x. This raises questions about the sustainability of its growth and whether the current valuation is justified.<BR><BR>In summary, while the financial performance shows strong growth and operational consistency, the high valuation relative to peers suggests that investors should approach with caution. The overall assessment leans towards a "HOLD" recommendation, indicating that while the results are good, careful consideration is warranted for future investment decisions.

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.

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.

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

Why is India Shelter Finance Corporation Ltd falling/rising?

As of 17-Mar, India Shelter Finance Corporation Ltd's stock price is declining, currently at 690.30, down 1.58%. This drop is due to underperformance against its sector, a bearish trend indicated by moving averages, and significant pledging of promoter shares, despite some positive long-term fundamentals.

As of 17-Mar, India Shelter Finance Corporation Ltd's stock price is falling, currently at 690.30, which represents a decrease of 11.05 or 1.58%. This decline can be attributed to several factors highlighted in the provided data. <BR><BR>Firstly, the stock has underperformed its sector, with a performance today that is 1.45% lower than the sector average. Additionally, the stock has experienced a trend reversal, having fallen after two consecutive days of gains. It is also trading below its 5-day, 20-day, 50-day, 100-day, and 200-day moving averages, indicating a bearish trend.<BR><BR>Moreover, the stock's performance over various periods shows a consistent decline, with a year-to-date drop of 14.05% compared to a 10.74% decline in the benchmark index, Sensex. Over the past year, the stock has generated a return of -14.53%, while the Sensex has increased by 2.56%. This underperformance is compounded by the fact that 96.96% of promoter shares are pledged, which can exert additional downward pressure on the stock price in a falling market.<BR><BR>Despite some positive long-term fundamentals, such as a 36.86% CAGR growth in operating profits and consistent positive results over the last eight quarters, the immediate market sentiment appears to be negative, leading to the current decline in stock price.

Why is India Shelter Finance Corporation Ltd falling/rising?

As of 18-Mar, India Shelter Finance Corporation Ltd's stock price is rising to 740.00, reflecting a 6.38% increase. This rise is supported by strong operational performance and positive market sentiment, despite challenges like a year-over-year decline and high promoter share pledges.

As of 18-Mar, India Shelter Finance Corporation Ltd's stock price is rising, currently at 740.00, with a change of 44.35 (6.38%) increase. This upward movement can be attributed to several factors. Firstly, the stock has outperformed its sector by 4% today, indicating strong relative performance. Additionally, the stock reached an intraday high of Rs 765.6, reflecting a significant increase of 10.06% during the trading session.<BR><BR>The company has demonstrated strong long-term fundamental strength, with a compound annual growth rate (CAGR) of 36.86% in operating profits and a 37.60% annual growth rate in net sales. Furthermore, the company has reported positive results for the last eight consecutive quarters, achieving record highs in net sales and operating profit for the most recent quarter.<BR><BR>Despite these positive indicators, the stock has faced challenges, including a decline of -8.54% over the past year and a high percentage of promoter shares pledged (96.96%), which can exert downward pressure in falling markets. However, the current rise in stock price appears to be driven by positive market sentiment and strong operational performance, overshadowing some of the negative factors.

Why is India Shelter Finance Corporation Ltd falling/rising?

As of 19-Mar, India Shelter Finance Corporation Ltd's stock price is declining to Rs 711.35, down 4.94%, due to poor performance relative to its sector and a significant drop over the past year. Despite some positive long-term fundamentals, high pledged promoter shares and negative market sentiment contribute to the stock's current struggles.

As of 19-Mar, India Shelter Finance Corporation Ltd's stock price is falling, currently at Rs 711.35, reflecting a decrease of Rs 37.0 or 4.94%. This decline is attributed to several factors. The stock has underperformed its sector by 2.29% today, and the finance-housing sector itself has seen a drop of 2.59%. Additionally, the stock's performance over the past year has been poor, generating a return of -12.90%, which is significantly worse than the BSE500 index.<BR><BR>Despite some positive long-term fundamentals, such as a 36.86% CAGR growth in operating profits and consistent positive results over the last eight quarters, the high percentage of pledged promoter shares (96.96%) adds downward pressure in a falling market. This situation, combined with the stock's below-par performance in both the long term and near term, contributes to the current decline in its price. Furthermore, while the stock is trading at a premium compared to its peers, the overall sentiment remains negative due to its historical underperformance and the broader market conditions.

Why is India Shelter Finance Corporation Ltd falling/rising?

As of 20-Mar, the stock price of India Shelter Finance Corporation Ltd is declining, currently at Rs 687.50, down 4.58%. The stock has underperformed its sector and benchmark indices, with significant drops over various time frames, indicating bearish momentum and investor concerns due to high pledged promoter shares.

As of 20-Mar, the stock price of India Shelter Finance Corporation Ltd is falling, currently at Rs 687.50, reflecting a decrease of Rs 33.0 or 4.58%. This decline is part of a broader trend, as the stock has been losing value for the last two days, with a total drop of 8.13% during this period. Additionally, the stock has underperformed its sector by 5.52% today.<BR><BR>The stock's performance over various time frames also indicates a negative trajectory, with a year-to-date decline of 14.39% and a one-year drop of 14.32%. In contrast, the benchmark Sensex has only fallen by 2.38% over the same period, highlighting the stock's relative weakness. Furthermore, the stock is trading below its moving averages across multiple time frames, including the 5-day, 20-day, 50-day, 100-day, and 200-day averages, which typically signals bearish momentum.<BR><BR>Investor sentiment appears to be affected by the high level of pledged promoter shares, which stands at 96.96%. This situation can exert additional downward pressure on the stock price, particularly in a declining market. Despite the company's strong long-term fundamentals, including a 36.86% CAGR growth in operating profits and consistent positive results over the last eight quarters, the current market conditions and the stock's recent performance suggest a lack of confidence among investors, contributing to the ongoing decline in its price.

Why is India Shelter Finance Corporation Ltd falling/rising?

As of 23-Mar, the stock price of India Shelter Finance Corporation Ltd is declining, currently at Rs 662.85, down 3.42% and nearing its 52-week low. Despite strong long-term fundamentals, the stock has underperformed significantly, with a year-to-date drop of 17.46% and reduced investor interest indicated by a 45.23% decrease in delivery volume.

As of 23-Mar, the stock price of India Shelter Finance Corporation Ltd is falling, currently at Rs 662.85, reflecting a decrease of Rs 23.5 or 3.42%. This decline is part of a broader trend, as the stock has been losing value for the past three days, resulting in a total drop of 11.43% during this period. Additionally, the stock is now only 1.93% away from its 52-week low of Rs 650.05, indicating a significant downward pressure.<BR><BR>The stock's performance over various time frames also reveals a concerning trend. Over the past week, it has decreased by 5.49%, and in the last month, it has fallen by 7.76%. Year-to-date, the stock is down 17.46%, which is worse than the benchmark Sensex's decline of 14.70%. Furthermore, the stock has underperformed the BSE500 index over the last three years, one year, and three months.<BR><BR>Investor participation appears to be declining, with delivery volume dropping by 45.23% compared to the five-day average, suggesting reduced interest in the stock. The stock is trading below its moving averages across multiple time frames, including the 5-day, 20-day, 50-day, 100-day, and 200-day averages, which typically indicates a bearish trend.<BR><BR>Moreover, a significant factor contributing to the stock's decline is that 96.96% of promoter shares are pledged. In a falling market, this high level of pledged shares can exert additional downward pressure on stock prices. Despite the company's strong long-term fundamentals, including a 36.86% CAGR growth in operating profits and positive results over the last eight quarters, the current market sentiment and performance metrics suggest a challenging environment for the stock.

Why is India Shelter Finance Corporation Ltd falling/rising?

As of 24-Mar, India Shelter Finance Corporation Ltd's stock price is rising to 703.50, reflecting a 6.13% increase. This rise follows a trend reversal after three days of decline, driven by strong buying interest and solid long-term fundamentals, despite a year-over-year decline and concerns over pledged shares.

As of 24-Mar, India Shelter Finance Corporation Ltd's stock price is rising, currently at 703.50, reflecting a change of 40.65 (6.13%) upward. This increase can be attributed to several factors. Firstly, the stock has shown a trend reversal, gaining after three consecutive days of decline. Additionally, it opened with a gap up of 3.45% today and reached an intraday high of Rs 715.8, indicating strong buying interest.<BR><BR>The stock has outperformed its sector by 3.92%, which suggests that it is gaining traction relative to its peers. Furthermore, the company has demonstrated strong long-term fundamental strength, with a compound annual growth rate (CAGR) of 36.86% in operating profits and a healthy annual growth rate of 37.60% in net sales. The company has also reported positive results for the last eight consecutive quarters, with record highs in net sales and operating profit.<BR><BR>However, it is important to note that despite the current rise, the stock has experienced a decline of 12.07% over the past year and is trading below its moving averages. Additionally, there is a concern regarding the high percentage of pledged promoter shares, which could exert downward pressure in a falling market. Nonetheless, the current upward movement in the stock price is primarily driven by positive short-term performance and strong underlying fundamentals.

Why is India Shelter Finance Corporation Ltd falling/rising?

As of 25-Mar, India Shelter Finance Corporation Ltd's stock price is rising to 752.00, up 5.65%. This increase is driven by strong financial performance, including significant growth in profits and sales, despite a decline in investor participation.

As of 25-Mar, India Shelter Finance Corporation Ltd's stock price is rising, currently at 752.00, reflecting a change of 40.2 (5.65%) upward. This increase can be attributed to several factors. Firstly, the stock has outperformed its sector by 2.85% today and has shown a consecutive gain over the last two days, with a total return of 13.45% during this period. Additionally, the stock reached an intraday high of Rs 765.5, indicating strong buying interest.<BR><BR>The company has demonstrated robust long-term fundamental strength, with a compound annual growth rate (CAGR) of 36.86% in operating profits and a 37.60% annual growth rate in net sales. Furthermore, it has reported positive results for the last eight consecutive quarters, achieving record highs in net sales, PBDIT, and PBT. Despite a year-to-date decline of 6.36%, the company's profits have increased by 36.3%, suggesting that the stock's current valuation may not fully reflect its underlying performance.<BR><BR>Moreover, the finance sector, particularly housing, has gained by 2.81%, which may also contribute to the positive sentiment surrounding the stock. However, it is important to note that there has been a decline in investor participation, with delivery volume falling by 29.34% against the five-day average, which could indicate a cautious approach among investors despite the stock's recent gains. Overall, the combination of strong financial performance and sector support appears to be driving the stock's rise.

Which are the latest news on INDIA SHELTE FIN?