Is India Shelter Finance Corporation Ltd (INDIASHLTR) a good quality company?

Past 10 year's financial track record analysis by Moneyworks4me indicates that India Shelter Finance Corporation Ltd is a average quality company .

Is India Shelter Finance Corporation Ltd (INDIASHLTR) undervalued or overvalued?

The key valuation ratios of India Shelter Finance Corporation Ltd's currently when compared to its past seem to suggest it is in the Fair zone .

What is India Shelter Finance Corporation Ltd (INDIASHLTR) share price return in the past 10 years?

Data is not available for this company

Is India Shelter Finance Corporation Ltd (INDIASHLTR) a good buy now?

The Price Trend analysis by MoneyWorks4Me indicates it is Strong which suggest that the price of India Shelter Finance Corporation Ltd is likely to Rise in the short term. However, please check the rating on Quality and Valuation before investing

What is the share price of India Shelter Finance Corporation Ltd (INDIASHLTR)?

Company share prices are keep on changing according to the market conditions. The current trading price of India Shelter Finance Corporation Ltd (INDIASHLTR) on 30-Apr-2026 16:59:59 at 16:59 is 809.05.

What is the P/E ratio of India Shelter Finance Corporation?

The latest standalone P/E ratio of India Shelter Finance Corporation as of 30-Apr-2026 is 17.43.

What is the P/B ratio of India Shelter Finance Corporation Ltd (INDIASHLTR)?

The latest standalone P/B ratio of India Shelter Finance Corporation Ltd (INDIASHLTR) as of 30-Apr-2026 is 2.75.

What is the 52-week high and low of India Shelter Finance Corporation Ltd (INDIASHLTR)?

The 52-week high of India Shelter Finance Corporation Ltd (INDIASHLTR) is Rs. 1011.45 and the 52-week low is Rs. 650.05.

India Shelter Finance Corporation Ltd (INDIASHLTR) Share Analysis – Quality, Valuation Zone & Price Trend & DeciZen Rating

Name: India Shelter Finance Corporation Ltd (INDIASHLTR)
Brand: India Shelter Finance Corporation

India Shelter Finance Corporation Ltd (INDIASHLTR) Share Analysis – Quality, Valuation Zone, Price Trend & DeciZen Rating

India Shelter Finance Corporation Ltd (INDIASHLTR)

BSE: 544044 NSE: INDIASHLTR

Key Metrics

Market Cap

₹8,801 Cr.

Earnings Per Share (TTM)

₹46.43

P/E Ratio

17.43

Price to Book (P/B)

2.75

EV/EBITDA

13.09

Current Price

₹809.1

Return on Capital Employed (ROCE)

12.73%

Return on Equity (ROE)

15.20%

Return on Assets (ROA)

5.57%

Gross NPA(%)

0.99

Book Value per Share

₹294

Net NPA(%)

0.99

Dividend Yield

0.61%

Net Interest Income Growth (1 Year)

49.75%

Net Interest Income Growth (3 Years)

39.25%

52-Week Low / High

₹650 / 1,011

Book Value Growth (1 Year)

16.62%

Book Value Growth (3 Years)

0.57%

Check Before You Invest

Q.1 Does its ROIC exceed its WACC?

India Shelter Finance Corporation Ltd return on invested capital (ROIC) is 9.44% for FY-2025, is lower than its estimated weighted average cost of capital (WACC) of 13.5%, indicating value erosion.

Q.1 Stock return of India Shelter Finance Corporation Ltd over the last decade?

Over the last 1 years, the stock has delivered a CAGR of -5.92% based on the current price.

Q.1 Which industry/sub-sector does India Shelter Finance Corporation Ltd belong to?

India Shelter Finance Corporation Ltd belongs to the BFSI sector, operating specifically within the Finance - Housing segment.

Q.1 Total Income growth of India Shelter Finance Corporation Ltd?

India Shelter Finance Corporation Ltd Operating Income growth is 40.54% for FY-2025, which is above its 5-year CAGR of 38.43%, indicating faster growth.

Q.1 Promoter shareholding and pledge status of India Shelter Finance Corporation Ltd?

Promoters hold 47.54% of the India Shelter Finance Corporation Ltd, with 0.00% of their stake pledged, indicating no pledge risk.

Q.1 AUM Growth of India Shelter Finance Corporation Ltd vs Industry Peers?

India Shelter Finance Corporation Ltd AUM CAGR is 33.41%, compared to the 5-year industry median CAGR of 4.02%, indicating faster growth and gaining its market share.

DeciZen - make an informed investing decision on India Shelter Fin.

Based on:

Data

Overall Rating ⓘ
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1. Quality

2. Valuation

3. Price Trend

India Shelter Finance Corporation stock performance

Key Ratios

Is India Shelter Finance Corporation Ltd an attractive stock to invest in?

10 Year X-Ray : Login to view analysis.

Analysis of Financial Track Record

Data adjusted to bonus, split, extra-ordinary income, rights issue and change in financial year end

	Mar'16	Mar'17	Mar'18	Mar'19	Mar'20	Mar'21	Mar'22	Mar'23	Mar'24	Mar'25	TTM
Operating Income (₹ Cr.)	60.5	89.6	130	172	229	317	448	584	829	1,165	1,530
YoY Gr. Rt. %	-	48.2%	45.2%	32.2%	33.1%	38.3%	41.5%	30.3%	41.9%	40.5%	-
Adj EPS (₹ )	3.2	6.8	6.2	6.6	11	20.3	29.4	35.4	23.1	35	46.4
YoY Gr. Rt. %	-	109%	-7.8%	5.6%	66.2%	85.7%	44.6%	20.5%	-34.9%	51.6%	-
BVPS (₹ )	100.9	115.9	156.3	186.5	197.2	216.8	244.3	279.6	213.1	248.5	294
YoY Gr. Rt. %	-	14.8%	35%	19.3%	5.7%	10%	12.7%	14.4%	-23.8%	16.6%	-
To view Net Profit/Total Funds (%) Colour Rating Guide click here ⓘ
Net Profit/Total Funds (%)	2.1	4	2.9	2.4	2.9	4.1	4.5	4.1	4.9	5.6	0

CAGR ⓘ

CAGR Colour Code Guide ⓘ


	9 Years	5 Years	3 Years	1 Years
Net Interest Income	38.9%	38.4%	37.5%	40.5%
Adj EPS	30.3%	26.1%	6%	51.6%
BVPS	10.5%	4.7%	0.6%	16.6%
Share Price	-	-	-	-5.9%

Key Financial Ratios


RATIOS \ YEARS	Mar'16	Mar'17	Mar'18	Mar'19	Mar'20	Mar'21	Mar'22	Mar'23	Mar'24	Mar'25	TTM
Asset Quality Ratio	To view Asset Quality Ratio Colour Rating Guide click here ⓘ
Net NPA to Net Advances (%)	0	0	0.9	0.9	0.9	1.2	1.6	0.9	0	0	-
Capitalization Ratio	To view Capitalization Ratio Colour Rating Guide click here ⓘ
Capital Adequacy Ratio (%)	0	0	0	0	0	0	0	0	0	0	-
Margins
Net Profit Margin (%)	14	22.9	17.2	16.2	20.5	27.6	28.7	26.5	29.8	32.4	33
Performance Ratios	To view Performance Ratios Colour Rating Guide click here ⓘ
Return on Equity (%)	3.2	6.7	4.9	4.1	5.7	9.8	12.9	13.5	14.1	15.2	15.8

Recent Performance Summary

Latest Financials

	Standalone	Consolidated
TTM EPS (₹)	46.4	46.3
TTM Sales (₹ Cr.)	1,530	1,528
BVPS (₹) ⓘ	294	294
Reserves (₹ Cr.) ⓘ	3,144	3,144
P/BV ⓘ	2.75	2.75
PE ⓘ	17.43	17.49

From the Market
52 Week Low / High (₹)	650.05 / 1011.45
All Time Low / High (₹)	519.00 / 1011.45
Market Cap (₹ Cr.)	8,801
Equity (₹ Cr.)	54.4
Face Value (₹)	5
Industry PE ⓘ	15.2

Management X-Ray

Shareholding Pattern

Promoter's Holding & Share Pledging

Pledged ^*

0.00

* Pledged shares as % of Promoter's holding (%)

Valuation of India Shelter Fin. - Standalone Basis

YTD 1Y 3Y 5Y 10Y Max

Analyst's Notes

No data found!

Key Ratios

Adj EPS (Rs.)

Total Income (Cr.)

ROE (%)

BVPS (Rs.)

Profit And Loss

(All Figures are in Crores.)

PARTICULARS	Mar'16	Mar'17	Mar'18	Mar'19	Mar'20	Mar'21	Mar'22	Mar'23	Mar'24	Mar'25
Income +	64	93	130	172	230	323	460	606	861	1,175
Interest Income	60	90	130	172	229	317	448	584	829	1,164
Other Income ⓘ	1	2	3	4	13	21	14	17	23	32
Exceptional Items ⓘ	3	4	0	0	1	6	12	22	32	10
Expenditure ⓘ +	53	62	99	134	166	210	293	404	543	687
Interest Expense ⓘ	19	23	39	49	76	107	152	213	294	364
Operating Expenses ⓘ	33	36	56	81	77	81	127	174	225	291
Provisions	1	2	3	4	13	21	14	17	23	32
Exceptional Items ⓘ	0	0	0	0	0	0	0	0	0	0
Profit Before Tax ⓘ	11	32	32	38	64	113	167	201	318	488
Taxes ⓘ	2	11	9	10	17	26	38	46	71	111
Profit After Tax	8	21	22	28	47	87	128	155	247	377
Adjusted EPS (₹)	3.2	6.8	6.2	6.6	11.0	20.3	29.4	35.4	23.1	35.0
Dividend Payout Ratio (%)	0%	0%	0%	0%	0%	0%	0%	0%	0%	14.30%

Balance Sheet

(All Figures are in Crores.)

PARTICULARS	Mar'16	Mar'17	Mar'18	Mar'19	Mar'20	Mar'21	Mar'22	Mar'23	Mar'24	Mar'25
Equity and Liabilities
Equity Capital +	263	351	564	793	848	937	1,076	1,240	2,298	2,706
Share Capital ⓘ	26	30	36	42	43	43	44	44	54	54
Reserves ⓘ	237	321	528	751	805	894	1,032	1,196	2,244	2,652
Short term borrowings	31	39	346	508	173	348	496	727	766	1,085
Long Term Borrowings	107	213	30	50	797	1,137	1,575	2,263	2,648	3,879
Current Liabilities	40	49	357	531	186	379	567	789	845	1,154
Trade Payables	2	2	2	4	4	5	5	6	5	9
Other Liabilities	-33	-41	-348	-511	-177	-353	-501	-733	-771	-1,094
Total Liabilities ⓘ	410	614	951	1,374	1,831	2,453	3,218	4,292	5,790	7,739
Assets
Non Current Asset +	373	535	792	1,191	1,557	2,040	2,690	3,728	5,218	7,149
Loan Asset	364	525	767	1,141	1,475	1,981	2,623	3,609	5,062	6,859
Other Non Current Asset ⓘ	9	10	25	51	81	59	68	119	155	289
Current Asset +	37	78	159	183	274	413	528	564	572	591
Current Investment	0	0	41	80	94	0	175	47	158	201
Other Current Asset	37	78	118	103	180	413	353	517	415	390
Total Assets ⓘ	410	614	951	1,374	1,831	2,453	3,218	4,292	5,790	7,739

Cash Flow

(All Figures are in Crores.)

PARTICULARS	Mar'16	Mar'17	Mar'18	Mar'19	Mar'20	Mar'21	Mar'22	Mar'23	Mar'24	Mar'25
Cash Flow From Operating Activity ⓘ	-162	-123	-228	-341	-292	-421	-495	-853	-1,233	-1,436
Cash Flow From Investing Activity ⓘ	4	4	-95	26	-150	77	-186	161	-233	-61
Cash Flow From Financing Activity ⓘ	158	183	280	344	395	560	592	907	1,220	1,566
Net Cash Flow ⓘ	0	64	-42	28	-46	216	-89	215	-247	70

Finance Ratio

PARTICULARS	Mar'16	Mar'17	Mar'18	Mar'19	Mar'20	Mar'21	Mar'22	Mar'23	Mar'24	Mar'25
Operational & Financial Ratios
EPS (₹)	3.20	6.80	6.20	6.60	11	20.30	29.40	35.40	23.10	35
DPS (₹)	0	0	0	0	0	0	0	0	0	5
BVPS (₹)	100.9	115.9	156.3	186.5	197.2	216.8	244.3	279.6	213.1	248.5
Performance Ratios
ROA (%)	2.1	4.0	2.9	2.4	2.9	4.1	4.5	4.1	4.9	5.6
ROE (%)	3.2	6.7	4.9	4.1	5.7	9.8	12.9	13.5	14.1	15.2
ROCE (%)	7.5	10.9	9.4	7.9	9.1	10.5	11.4	11.3	12.3	12.7
Valuation Parameters
Price/Book(x)	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	2.9	3.3

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Announcements

India Shelter Finance Corporation Ltd FAQs

The current trading price of India Shelter Fin. on 30-Apr-2026 16:59 is ₹809.0.

Market capitalization or market cap is determined by multiplying the current market price of a company's shares with the total number of shares outstanding. As of 29-Apr-2026 the market cap of India Shelter Fin. stood at ₹8,801.3 Cr

The latest P/E ratio of India Shelter Fin. as of 29-Apr-2026 is 17.43.

The latest P/B ratio of India Shelter Fin. as of 29-Apr-2026 is 2.75.

The 52-week high of India Shelter Fin. is ₹1,011.5 and the 52-week low is ₹650.0.

The TTM revenue is Trailing Twelve Months sales. The TTM revenue/sales of India Shelter Fin. is ₹1,530 ( Cr.) .

About India Shelter Finance Corporation Ltd

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Name of the IA registered with SEBI:	The Alchemists Ark Pvt. Ltd.
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Trade/Brand Name of IA:	MoneyWorks4Me Investment Advisers
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SEBI Registration Number:	INA000013323 Validity – May 16, 2019 – Perpetual
Registration:	Non-Individual
BSE Enlistment No:	1187
Address:	B-101, Signet Corner Building, Balewadi Phata, Baner, Pune, Maharashtra 411045
Compliance officer Details:	Name: Shrikant Jagtap Email: shrikant.jagtap@moneyworks4me.com Telephone: +919860359463 Address: Same as IA
Grievance Officer Details:	Name: Mukta Vaze Email: mukta.vaze@moneyworks4me.com Telephone: +91 98609 19463 Address: Same as IA
Principal Officer Details:	Name: Atharva Bhide Email: atharva.bhide@moneyworks4me.com Telephone: +91 91758 99463 Address: Same as IA
Standard Warning:	Investment in securities market are subject to market risks. Read all the related documents carefully before investing.
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India Shelter Finance Corporation Ltd (INDIASHLTR) Share Analysis – Quality, Valuation Zone, Price Trend & DeciZen Rating

India Shelter Fin. Share Price