India Shelter Finance Corporation Ltd. Share Price

Overview

India Shelter Finance Corporation Ltd. share price is currently ₹656.99, down by - ₹5.63 (0.85%) from its previous closing price of ₹662.62. The share price has declined -1.69% over the past month and declined -26.31% over the past year. The stock's 52-week low and high are ₹610.44 and ₹908.28, respectively. India Shelter Finance Corporation Ltd. has a market capitalisation of ₹ 7,380.00 Cr. The share price was last updated on 11 Sep 2026, 09:24 AM IST.

India Shelter Finance Corporation Ltd.
India Shelter Finance Corporation Ltd.
INDIASHLTR
 0.00
- 5.63
0.85%
Finance
 0.00(%)1D

Updated: 11 Sep 2026, 09:24:47 am IST

Market Data

Open Price

 662.37

Prev. Close

 662.62
 654.82

Day Low

 666.31

Day High

 610.44

52 Week Low

 908.28

52 Week High

FinanceFinance - Housing
CategorySmall Cap

Fundamentals

Quick Bite

Price To Earnings Ratio

13.50

Sector PE

20.13

PB Ratio

2.26

Sector PB

2.71

EPS

48.67

Dividend Yield

1.34

Today's Volume

109.629 K

5 Day Avg. Volume

96.293 K

PEG Ratio

0.42

Market Cap.

₹ 7,380.00 Cr.

StockGro Trade views

Technical Analysis

Forecasts 🧭

Financials

Corporate Actions

ActionsEx-DateRecord-Date
DividendsFinal Dividend of 200% at ₹10/Share
19-Jun-202619-Jun-2026
DividendsFinal Dividend of 100% at ₹5/Share
04-Jul-202504-Jul-2025

Mutual Fund Ownership

Mutual Fund Holder
Jul 26
Shares held
Aug 26
Shares held
Axis Small Cap Fund - Regular Plan - Growth23.92 Lac
23.92 Lac
no change
Nippon India Small Cap Fund - Growth13.28 Lac
13.30 Lac
(0.16%)
Nippon India Value Fund - Growth5.20 Lac
5.20 Lac
no change
UTI Small Cap Fund - Regular Plan - Growth2.25 Lac
2.05 Lac
(8.88%)
UTI Banking and Financial Services Fund - Regular Plan - IDCW1.05 Lac
1.07 Lac
(1.85%)

About India Shelter Finance Corporation Ltd. 👋

India Shelter Finance Corporation Limited is an India-based retail-focused affordable housing finance company. The Company is engaged in providing secured retail home loans, home equity loans, and loans against property to borrowers. The Company provides credit for middle-income households for the purchase or construction of residential properties and for the extension and repair of existing housing units. It provides home loans for new construction, and property purchases for renovations and repairs. Its loan products include Home Loan, Loan Against Property, Home Renovation loans, and Purchase + Construction Loan. Its loans against property primarily include self-occupied residential properties. It also provides credits under Pradhan Mantri Awas Yojana. Its subsidiary is India Shelter Capital Finance Limited.

Expert Opinions

Insights from SEBI-registered analysts · updated live

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Pyrifera Investment Advisors

Pyrifera Investment Advisors

22 Jul • 6:27 PM · SEBI-Registered Analyst

India Shelter Finance to Raise ₹100 Crore via Secured NCD Private Placement

India Shelter Finance Corporation Limited has announced a private placement of rated, listed, and secured Non-Convertible Debentures (NCDs) aggregating ₹100 crore to strengthen its funding base and support growth initiatives. Key Issuance Details: Issue Size: ₹100 crore, comprising a base issue of ₹75 crore and a Green Shoe Option of ₹25 crore. Terms: The NCDs have a face value of ₹1 lakh each, a tenure of 60 months, and carry a fixed interest rate of 8.10% p.a., payable quarterly. Security: The instruments are secured by a first and exclusive hypothecation charge on the company’s standard receivables, with a minimum asset cover of 1.10x. Listing: The NCDs are proposed to be listed on the Bombay Stock Exchange (BSE) to ensure liquidity for investors. Strategic Outlook: This structured debt raise allows India Shelter Finance to diversify its liability profile and secure medium-term capital at a competitive fixed rate. The inclusion of a Green Shoe Option provides the company with the flexibility to raise additional funds based on investor demand, ensuring robust capital availability for its housing finance operations.

INDIASHLTR

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Adarsh Nimborkar (SEBI IA)

Adarsh Nimborkar (SEBI IA)

15 Jun • 9:03 AM · SEBI-Registered Analyst

India Shelter Finance Corporation Ltd – Fundamental Analysis

INDIASHLTR
India Shelter Finance Corporation Ltd is a housing finance company primarily focused on providing affordable home loans and loans against property to customers in Tier 2 and Tier 3 cities across India. The company has delivered strong growth in recent years through expansion of its loan book, branch network, and customer base. It has shown consistent improvement in revenue and profitability while maintaining healthy return ratios. A technology-driven lending process, efficient operations, and disciplined underwriting practices have helped the company scale its business while maintaining financial stability. One of India Shelter’s major strengths is its deep understanding of borrowers in the informal income segment and its ability to assess credit risk beyond conventional documentation. The affordable housing finance market in India remains significantly underpenetrated, creating a long-term growth runway. Government support for housing, rising incomes, and increasing urbanization can further support demand for the company’s services. However, the business remains exposed to risks such as changes in interest rates, economic slowdowns, regulatory developments, and deterioration in borrower repayment capacity. Since the company operates in a segment with relatively higher credit risk, maintaining asset quality while expanding rapidly will be crucial for sustained profitability. Overall, India Shelter Finance Corporation Ltd appears to be a fundamentally strong growth-oriented housing finance company with a scalable business model and significant market opportunity. Its expanding presence in underserved regions, strong operational execution, and consistent financial growth make it an attractive long-term investment candidate, although investors should continuously monitor asset quality, growth sustainability, and valuation levels.

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CA. Hardik Kachchava

CA. Hardik Kachchava

2 May • 7:31 PM · SEBI-Registered Analyst

India Shelter Finance Corporation: Q4 and FY26 Financial Performance Update

INDIASHLTR
Executive Summary India Shelter Finance Corporation has reported a robust financial performance for the fourth quarter and the full fiscal year 2026, demonstrating substantial growth in both profitability and asset expansion. The results reflect strong business momentum, improved asset quality, and enhanced operating leverage, reinforcing the company's operational efficiency and market position. Key Financial Highlights Strong Profit Growth: Full-year Profit After Tax (PAT) for FY26 surged by 33% year-over-year to ₹503 crore. For Q4FY26, PAT stood at ₹138 crore, marking a 27% increase from ₹108 crore in the corresponding period last year. Robust AUM Expansion: Gross Assets Under Management (AUM) grew by 29%, reaching ₹11,044 crore by the end of Q4FY26. Healthy Return Metrics: The company maintained highly attractive return ratios during the quarter, reporting a Return on Assets (RoA) of 5.9% and a Return on Equity (RoE) of 17.6%. Shareholder Value Creation: Reflecting confidence in the company's financial health, the Board of Directors has recommended a final dividend of ₹10 per equity share (200% of face value), subject to shareholder approval at the upcoming Annual General Meeting. Operational Updates & Strategic Growth Network Expansion: Aligning with its expansion strategy, the company added 6 new branches during Q4 and a total of 41 branches throughout FY26. The total employee base now stands at 4,800. Management Commentary: Rupinder Singh, Managing Director and CEO, emphasized that the consistent performance was supported by healthy business momentum, improving asset quality, and the continued strengthening of the company's core franchise. Market Performance For context on recent market activity, shares of India Shelter Finance Corporation closed at ₹811.10 on the National Stock Exchange (NSE) on April 30, 2026.

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Palak Jain

Palak Jain

7 Apr • 10:00 PM · SEBI-Registered Analyst

INDIASHLTR
Industry Outlook: SAIL, Jindal Steel and Tata Steel set for Q4FY26 recovery amid West Asia crisis - 3 reasons

India Steel Industry Outlook: As the quarterly earnings season approaches, investors find themselves navigating an increasingly complex global landscape. The backdrop of escalating US–Iran tensions has amplified uncertainty across markets, with ripple effects extending far beyond geopolitics into the core of multiple industries. Among the sectors under scrutiny, the steel industry stands particularly exposed. Iran, a key player ranked among the world’s top steel producers, has seen significant disruptions due to the ongoing conflict. Strikes targeting major production hubs such as Khuzestan and Mobarakeh have dealt a severe blow to output capacity.

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TrueNorth Capital

TrueNorth Capital

23 Oct • 1:14 PM · SEBI-Registered Analyst

INDIASHLTR
: Accelerated Growth & Strong Returns in Affordable Housing Finance

INDIASHLTR
is Poised for valuation re-rating amid sector tailwinds 🔹 **Industry Outlook** - AHF sector expected to grow 20–22% CAGR, reaching ₹2.5 lakh crore by FY28. - Growth driven by rural demand, supportive policies, and ample liquidity. 🔹 **India Shelter’s Growth Trajectory** - Projected loan book growth of 30–35%, outperforming industry average. - AUM likely to cross ₹10,000 crore by H1FY26; Q1FY26 AUM stood at ₹8,712 crore (+34% YoY). - Stock has outperformed benchmarks YTD, supported by operational strength. 🔹 **Branch Expansion & Operational Efficiency** - Added 24 branches in Q1; total now 290. - Maintains annual branch addition guidance of 40–45. - Tech-led productivity gains driving opex-to-AUM ratio improvement (expected 15–20 bps annually). 🔹 **Asset Quality & Credit Cost** - Q1 saw a rise in delinquencies (30+DPD up 140 bps QoQ), mainly in MSME LAP segment. - Regulatory headwinds in Karnataka and Tamil Nadu impacted collections, but recovery is expected. - Credit cost stable at 50 bps, aligned with guidance. 🔹 **Profitability Metrics** - Portfolio yield remains high at 15%, aided by co-lending spreads and lower funding costs. - Cost of funds moderated by 20 bps; further 20 bps reduction expected in FY26. - NIM guided to remain around 9%; spread expansion of 20 bps anticipated. 🔹 **Return Ratios & Valuation** - RoA surged to 6% in Q1FY26 post-IPO; expected to normalize to ~4.5% with increased leverage (4x). - RoE improved to 17.2%; projected to reach 18% medium term. - Trades at 2.5x FY27e P/B; strong growth and returns may trigger valuation re-rating. 🔹 **Strategic Positioning** - Deep penetration in tier 2/3 towns; targets underserved segments. - Government schemes like PMAY expected to support long-term demand. 🔹 **Investor Takeaway** - High growth, stable margins, and improving return ratios position India Shelter as a compelling long-term play in the AHF space.

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Vibhu Jain

Vibhu Jain

9 Jul • 4:35 PM · SEBI-Registered Analyst

INDIASHLTR

India Shelter Finance Corporation has reached a significant milestone, hitting a new 52-week high of Rs. 944.15 on July 9, 2025. This achievement reflects the company's robust performance, as it outperformed its sector by 5.97% on the same day. The stock has consistently traded above its 5-day, 20-day, 50-day, 100-day, and 200-day moving averages, indicating a strong upward trend. Over the past year, India Shelter Finance Corporation has delivered an impressive return of 29.42%, significantly surpassing the Sensex's performance of 3.96%. The company has shown remarkable growth, with net sales increasing at an annual rate of 37.50% and operating profits growing at a CAGR of 43.00%. Additionally, the company has reported positive results for five consecutive quarters, with a notable PBDIT of Rs. 244.04 crore. With a return on equity of 14 and a fair valuation at a price-to-book ratio of 3.5, India Shelter Finance Corporation stands out in the housing finance sector. Its strong fundamentals and high institutional holdings of 25.46% further underscore its position as a leading player in the market.

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