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.

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.

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

India Shelter Finance Corporation Ltd's latest Q3 FY26 results show strong growth, with a net profit increase of 35.49% and a 30.67% rise in interest earned. However, the stock has declined 17.75% over the past six months, indicating mixed investor sentiment despite solid fundamentals.

India Shelter Finance Corporation Ltd's latest results for Q3 FY26 indicate a strong performance overall. The company reported a net profit of ₹122.04 crore, which marks a significant year-on-year increase of 35.49%. Additionally, interest earned rose to ₹369.21 crore, reflecting a robust 30.67% growth compared to the same quarter last year. The operating margin also improved to 73.36%, up 126 basis points year-on-year, showcasing enhanced operational efficiency.<BR><BR>Despite these positive metrics, the stock has faced challenges, declining 17.75% over the past six months, which suggests broader market concerns regarding valuation and potential headwinds in the housing finance sector. The company's return on equity stands at a healthy 15.29%, indicating strong capital efficiency.<BR><BR>In summary, while the financial results demonstrate solid growth and operational strength, the stock's recent performance raises caution among investors. The combination of strong fundamentals and current market pressures suggests a mixed outlook, warranting careful consideration for potential investors.

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

Why is India Shelter Finance Corporation Ltd falling/rising?

As of 24-May, India Shelter Finance Corporation Ltd's stock price is at 785.15, down 0.54%, and has underperformed its sector. Despite strong long-term fundamentals, the stock has declined 7.63% over the past year, reflecting a disconnect between its financial health and market performance.

As of 24-May, India Shelter Finance Corporation Ltd's stock price is falling, currently at 785.15, reflecting a decrease of 4.25 (-0.54%). The stock has underperformed its sector by 1.57% today and has experienced a trend reversal, having fallen after two consecutive days of gains. Over the past week, the stock has declined by 4.95%, while the benchmark Sensex has increased by 0.24%. <BR><BR>Despite the company's strong long-term fundamentals, including a 34.42% CAGR growth in operating profits and a 35.73% annual growth rate in net sales, the stock has generated a return of -7.63% over the past year. This decline occurs even as profits have risen by 33.2%, indicating a disconnect between stock performance and underlying financial health. <BR><BR>Additionally, while the stock is trading above its 50-day and 100-day moving averages, it is below its 5-day, 20-day, and 200-day moving averages, suggesting a bearish trend in the short term. The recent increase in delivery volume by 240.94% on 21 May indicates rising investor participation, but this has not translated into a positive price movement. Overall, the combination of recent price declines, underperformance relative to the sector, and the stock's historical valuation premium contributes to the current downward trend.

Which are the latest news on INDIA SHELTE FIN?