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India Shelter Finance Corporation share price & results

India Shelter Finance Corporation Limited· Financial Services

Results to
Jun 2026
Latest analysed call
Q1 FY27
Ownership as of
Sept 2026

Affordable-housing NBFC lending to first-time home buyers and small-business owners across Tier II/III India.

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Reported

The figures, each with its period

Each figure keeps its basis and period; nothing is filled in.

MetricValueChangeBasisPeriodNote
Revenue432 ₹ crore+19.7% YoYQuarterly, as filedQuarter to Jun 2026Revenue from operations as filed.
Operating marginUnavailable—Operating profit / revenueQuarter to Jun 2026Not in the filed figures for the quarter to jun 2026. No older figure is substituted.
Net profit143 ₹ crore+20.2% YoYQuarterly, as filedQuarter to Jun 2026Profit after tax as filed.
Return on equity17.03 %+1.9 ptsFY Mar 2026 vs FY Mar 2025Trailing twelve monthsTTM to Mar 2026Adjusted profit attributable to owners ÷ average owners’ equity.
Free cash flow marginUnavailable—Fiscal yearFY ending Mar 2026Not in the analysed materials. No older figure is substituted.
Revenue growth (YoY)31.05 %−9.3 ptsFY Mar 2026 vs FY Mar 2025Trailing twelve monthsTTM to Mar 2026Revenue change against the same period one year earlier.

Source: Inve data from filed results; ratios from the Screener-verified panel · to Jun 2026

Guidance

What management said, and what became of it

6 of 9 judged targets kept · 8 open · verdicts reflect calls analysed to Q1 FY27.

India Shelter Finance Corporation Limited management guidance track record on Inve: 17 targets tracked across analysed earnings calls (6 achieved, 3 missed, 8 open).

TargetOriginal wordingSaidLatest callVerdict
Credit CostCredit cost in a range of 40 to 50 bps
Call transcript, Q3 FY25 · 7 Feb 2025		Q3 FY25Q1 FY27:50 bps for the quarter, in line with the annual guidance of 40-50 bps.
Call transcript, Q1 FY27 · 7 Aug 2026		Achieved
Digital Sourcing %Reach 9% to 10% of disbursements in a couple of quarters
Call transcript, Q3 FY26 · 9 Feb 2026		Q3 FY26Q1 FY27:No specific % of disbursement from digital channels reported. Previous quarter's value of ₹20-30 cr suggests the 9-10% target for Q1 FY27 was missed.
Call transcript, Q1 FY27 · 7 Aug 2026		Missed
Housing Loan to LAP RatioMaintain 60:40 ratio
Call transcript, Q3 FY25 · 7 Feb 2025		Q3 FY25Q1 FY27:HL ratio stable at 57% of AUM, target of 60% remains delayed.
Call transcript, Q1 FY27 · 7 Aug 2026		Delayed

Source: Inve Guidance Tracker for India Shelter Finance Corporation Limited · to Q1 FY27

A verdict describes what became of management’s own words in later analysed calls. “Delayed” is a change of date, “went quiet” a target the calls stopped mentioning. None of it is a judgement on the investment. The methodology sets out how verdicts are recorded.

3 of India Shelter Finance Corporation Limited's 17 targets were missed. See which ones, and which are quietly gone. The 3 above are the free sample; 14 more targets are in the full ledger.

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Price

₹644.65 +3.54% · +₹22.05

Last close 27 Oct 2026 · NSE · INR · Source: Inve

Performance −26.7% 1Y

₹600₹700₹800₹900Oct 25Dec 25Jan 26Mar 26Apr 26Jun 26Jul 26Sept 26Oct 26Q2 FY26 — 4 Nov 2025Q3 FY26 — 9 Feb 2026Q4 FY26 — 4 May 2026Q1 FY27 — 7 Aug 2026

1Y: ₹879.8 on 24 Oct 2025 → ₹644.65. High ₹918.95 (18 Nov 2025), low ₹607.6 (21 Oct 2026).

Previous close
₹622.6
Market cap
₹6.8k Cr
52-week range
₹607.6 – ₹918.95
One year
−26.50%
Price to earnings (TTM to Mar 2026)
13.52×
Return on equity (TTM to Mar 2026)
17.03%

Overview

Symbol
NSE:INDIASHLTR
Exchange
NSE
Currency
INR

What India Shelter Finance Corporation Limited does

Based on the company's own presentations, annual report and earnings calls.

India Shelter Finance Corporation is a housing finance company that originates and services home loans and loans against property (LAP) for low- and middle-income, largely self-employed and first-time borrowers in Tier II and Tier III towns. It sources almost all its loans directly through its own branch staff and loan officers rather than external agents, and underwrites using an in-house, technology-driven business rule engine rather than outsourced credit bureaus alone. The company funds its lending book through a diversified mix of banks, financial institutions, National Housing Bank (NHB) refinance and market borrowings across multiple counterparties.

Segments

  • Home Loans
  • Loan Against Property (LAP)
Branch network
307 branches
Geographic footprint
15 states
Customer base (cumulative)
1,38,371 customers
Underwriting technology
In-house Business Rule Engine analyzing 100+ data fields per customer/collateral for loan approval
Credit rating
AA- (Stable) — CARE, ICRA, India Ratings
Mature branch base
179 of 307 branches operating for more than 3 years
Founded 2010Headquarters Gurgaon, Haryana, IndiaEmployees 4,800 (2026-03-31) Company website

How the price took the results

close before → close after

Q1 FY27
−5.8%
7 Aug
Q4 FY26
+1.8%
4 May
Q3 FY26
−5.1%
9 Feb
Q2 FY26
−0.0%
4 Nov

The move from the last close before each results date to the first close after it — the market's first read on the quarter, not the quarter itself.

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