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Discovery themes featuring this stockBearish
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Discovery themes featuring this stock
India Shelter Finance Corporation Limited is a pan-India affordable housing finance company focused on secured home loans and loans against property for low- and middle-income customers in Tier II and III geographies, operating a technology-enabled, paperless origination platform and a 301-branch distribution network with gross managed assets of Rs. 10,365 crore as of Dec-25.
The company delivered robust growth and profitability in 9MFY26: GMA grew 31% YoY, 9MFY26 PAT was Rs. 369 crore (adj), ROA about 5.9%, and ROE circa 17%; NII and net income expanded strongly while spreads improved to ~6.6% on lower cost of funds, supporting healthy margins despite elevated branch additions and controlled opex.
Asset quality shows early signs of stress but remains manageable: Gross Stage-3 rose to 1.5% and NNPA to 1.2% with PCR at 25% and credit cost ~0.5% for 9MFY26; management has taken proactive collection and legal actions to arrest deterioration and expects improvement in Q4, guided credit cost for the year roughly 40–50 bps.
Growth strategy blends physical expansion and digital scale — management plans 40–45 branch openings annually, a push to raise digital-sourced disbursements from ~4–5% to ~10%, and scale co-lending; these are supported by Salesforce-based systems, BRE, AI-enabled underwriting, high e-sign/e-NACH penetration and a comfortable liquidity buffer of ~Rs. 1,818 crore.
IndiaShelter emphasizes governance and ESG with a disclosed BRSR, maiden Scope 1/2/3 reporting, Green Housing collaboration with IFC, and social programs; strong board credentials and marquee institutional shareholders (WestBridge, Nexus) underpin corporate governance and strategic alignment for long-term growth.
Finance
Housing Finance Company
7,118 Cr
Low Risk
14.2
18.0
0.6
2.2
923.95
620.85
Sales CAGR
Profit CAGR
ROE
ROCE
| Symbol | Watchlist | Price | Market Cap | P/E | P/B | Div Yield (%) | ROE (%) | ROCE (%) | ROA (%) |
249.30 | 12,486 Cr | 12.68 | 2.48 | 1.80 | 18.64 | 14.34 | 7.55 | ||
1187.00 | 12,387 Cr | 21.31 | 2.84 | 0.44 | 12.40 | 10.03 | 3.83 | ||
779.50 | 10,400 Cr | 9.21 | 1.74 | 1.92 | 18.16 | 8.74 | 2.55 | ||
1281.00 | 10,111 Cr | 20.61 | 2.68 | 0.00 | 13.00 | 8.96 | 2.97 | ||
653.55 | 7,118 Cr | 14.15 | 2.23 | 1.53 | 15.73 | 11.59 | 5.23 | ||
361.65 | 2,251 Cr | 4.95 | 0.56 | 0.83 | 11.77 | 9.64 | 2.77 | ||
137.85 | 739 Cr | 4.69 | 0.35 | 3.28 | 7.35 | 7.53 | 1.39 | ||
| Median: 7 Co. | — | 653.55 | 10,111 Cr | 12.68 | 2.23 | 1.53 | 13.00 | 9.64 | 2.97 |
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India Shelter Finance Corporation Ltd (INDIASHLTR) is currently trading at 653.55 per share. Stock prices fluctuate during market hours on NSE and BSE based on demand, company updates, and overall market conditions. Refer to the live price chart above for the most recent price movement.
India Shelter Finance Corporation Limited is a pan-India affordable housing finance company focused on secured home loans and loans against property for low- and middle-income customers in Tier II and III geographies, operating a technology-enabled, paperless origination platform and a 301-branch distribution network with gross managed assets of Rs. 10,365 crore as of Dec-25. The company delivered robust growth and profitability in 9MFY26: GMA grew 31% YoY, 9MFY26 PAT was Rs. 369 crore (adj), ROA about 5.9%, and ROE circa 17%; NII and net income expanded strongly while spreads improved to ~6.6% on lower cost of funds, supporting healthy margins despite elevated branch additions and controlled opex. Asset quality shows early signs of stress but remains manageable: Gross Stage-3 rose to 1.5% and NNPA to 1.2% with PCR at 25% and credit cost ~0.5% for 9MFY26; management has taken proactive collection and legal actions to arrest deterioration and expects improvement in Q4, guided credit cost for the year roughly 40–50 bps. Growth strategy blends physical expansion and digital scale — management plans 40–45 branch openings annually, a push to raise digital-sourced disbursements from ~4–5% to ~10%, and scale co-lending; these are supported by Salesforce-based systems, BRE, AI-enabled underwriting, high e-sign/e-NACH penetration and a comfortable liquidity buffer of ~Rs. 1,818 crore. IndiaShelter emphasizes governance and ESG with a disclosed BRSR, maiden Scope 1/2/3 reporting, Green Housing collaboration with IFC, and social programs; strong board credentials and marquee institutional shareholders (WestBridge, Nexus) underpin corporate governance and strategic alignment for long-term growth.
Over the past 52 weeks, India Shelter Finance Corporation Ltd has traded between a low of ₹620.85 and a high of ₹923.95. The 52-week high and low indicate the stock’s price range over the last year and help investors understand its volatility and recent trading levels.
India Shelter Finance Corporation Ltd has a market capitalization of approximately 7,118.25. Market capitalization represents the total value of a company’s outstanding shares and helps investors understand its size, stability, and relative risk compared to other listed companies.
India Shelter Finance Corporation Ltd’s investment profile depends on its business fundamentals, valuation, and long-term outlook. The stock currently trades at a PE ratio of 14.15 and operates in the its sector sector. Investors typically assess financial performance, growth prospects, and individual risk tolerance before making investment decisions.
Based on its market capitalization of 7,118.25 Cr, India Shelter Finance Corporation Ltd is classified as a Small Cap stock. Large-cap stocks are generally more stable, while mid-cap and small-cap stocks tend to offer higher growth potential along with higher price volatility.
India Shelter Finance Corporation Ltd operates in the its sector sector. Sector classification matters because companies in the same sector are often affected by similar economic conditions, regulatory changes, and competitive dynamics, which can influence overall stock performance.
The Price-to-Earnings (PE) ratio of India Shelter Finance Corporation Ltd is 14.15. The PE ratio compares a company’s share price to its earnings and is commonly used to assess valuation. Comparing the PE ratio with sector peers and historical levels provides better context.
The Board approved the unaudited financial results for the quarter ended June 30, 2026 in its meeting held on August 6, 2026.
Total income for the quarter ended March 31, 2026 was reported at ₹408.27 crore (consolidated).
Standalone net profit for the March 2026 quarter was ₹140.06 crore, up 29.79% from ₹107.92 crore in March 2025.
