NSE: INDIASHLTR · BSE: 544044 · ISIN INE922K01024
India Shelter Finance Corporation Limited stock analysis
India Shelter Finance Corporation Limited ranks #1008 in the TickerSutra evidence-ranked universe with a score of 58/100 and 91% data confidence. The latest captured fundamentals show ROCE of 12.9%, quarterly sales growth of 19.8% and quarterly profit growth of 19.9%.Monitor only
INVESTMENT EVIDENCE
What supports—and challenges—the thesis
Evidence in favour
- 37.9% three-year sales CAGR
- Institutional ownership is rising
- No promoter shares are reported as pledged
Risks and constraints
- Debt/equity is above 0.5×
- CFO/EBITDA is below 0.6×
Still unresolved: Related-party exposure · Broad media sentiment
FINANCIAL TRAJECTORY
Recent operating history
| Period | Revenue | Operating profit | Net profit | Operating margin |
|---|---|---|---|---|
| 2022 | ₹448cr | ₹162cr | ₹128cr | 36.0% |
| 2023 | ₹584cr | ₹188cr | ₹155cr | 32.0% |
| 2024 | ₹829cr | ₹297cr | ₹247cr | 36.0% |
| 2025 | ₹1,165cr | ₹490cr | ₹377cr | 42.0% |
| 2026 | ₹1,530cr | ₹668cr | ₹505cr | 44.0% |
| TTM | ₹1,601cr | ₹698cr | ₹529cr | 44.0% |
EXCHANGE EVENT TRIGGERS
Latest corporate disclosures
RoutineAlteration Of Capital and Fund Raising-XBRLNSE · 23 Sept 2026 · Structured filingINDIA SHELTER FINANCE CORPORATION LIMITED has informed the Exchange regarding Allotment of Securities
INDIA SHELTER FINANCE CORPORATION LIMITED has informed the Exchange regarding Allotment of Securities
Open original XBRL sourceIntimation of ESOP allotment under ESOP schemes of the company
RoutineESOP/ESOS/ESPSNSE · 23 Sept 2026India Shelter Finance Corporation Limited has informed the Exchange regarding Allotment of 29648 Shares.
RoutineIndia Shelter Finance Corporation Ltd - 544044 - Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - IntimationBSE · 18 Sept 2026Intimation of Investor meet
MANAGEMENT COMMENTARY
Signals from filed documents
Technology and Innovation People and Culture Risk and Governance Customer- centric Approach Responsible Lending Corporate overview 28 Integrated Annual Report 2025-26India Shelter Finance Corporation Limited Short Term Strengthening Foundations The Company continues to focus on strengthening its operational backbone to support sustainable growth. Expanding branch network across underserved markets, with a calibrated
PCR for Stage 3 asset is stable at 26%. Our total ECL is INR 93 crores against the regulatory threshold of INR 52 crores. BT-out rate for the quarter is down to about 4%, down by 50 bps year-on-year basis.
The growth was impacted by change in accounting of disbursement. However, we are confident of catching up the growth in remaining 9 months and retaining our AUM growth guidance at 25% to 30% this year. Our portfolio yield is 14.8%, stable quarter -on-quarter basis.
Our access to multiple funding sources, including banks, NHB refinance, capital markets and international institutions, allows us to optimise cost and tenure while reducing dependence on any single channel. Technology as a Growth Engine Diversified and Stable Liability Profile 95% collections through digital channels 99% e-sign penetration 92% adoption of Account Aggregator framework Relationships with 30+ lenders, i
Digital Integration in Operations We use e-KYC, AA framework, e-sign, and digital collections to reduce turnaround times and improve process efficiency. Focused Geographic Expansion We concentrate expansion within existing states to maintain control, strengthen sourcing, and improve collection efficiency. Integrated Risk and Compliance We embed risk controls within sourcing and servicing processes to ensure consisten
Principle 5 Businesses should respect and promote human rights P5: Essential Indicators 1. Employees and workers who have been provided training on human rights issues and policy (ies) of the entity: The Company’s code of conduct, equal opportunity and non-discrimination policy, and policy against sexual harassment have all been approved by the Board. Employees receive regular training to ensure they are aware of the
Details of press news releases, if any, are also hosted on the Company’s Website. Presentations made to Institutional Investors and Analysts: The schedule of analyst/institutional investor meets and presentations made to them on a quarterly basis are informed to the Stock Exchanges and are also displayed on the Company’s website. The audio recordings and transcripts of these meetings are also uploaded on the Company’
HOW TO READ THIS PAGE
Evidence, freshness and limitations
What does the TickerSutra score mean?
The score ranks captured evidence across financial quality, growth, moat and margins, regulatory catalysts, governance, institutional trend and valuation comfort. It is a research-prioritization tool—not a buy recommendation or price target.
Which sources support this page?
Financial history, ownership and pledge data, NSE and BSE filings, annual reports and available earnings-call transcripts are combined here. Use the source trail and original exchange document before relying on a decision-critical fact.
Why can an item be unresolved?
Unresolved means the current captured source window did not provide enough evidence for that check. It does not establish that a risk or relationship is absent.
Maintained by TickerSutra Research · Snapshot updated 29 Sept 2026 · Read the methodology · Read the disclaimer
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