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India Shelter Finance Corporation
Mid Cap•3,818 Employees•IPO 2023
Current Price
₹689.65
-0.25 (-0.04%)Updated
Today's Range
675.5
₹689.65
693.95
52 Week Range
52W Low₹650.00
52W High₹1011.75
₹689.65
Downside6.10%
Upside46.70%
Price Chart
Compare with Peers
Historical Ratios
Track top 12 most important financial ratios
P/E Ratio: Price to Earnings - Most used valuation metric
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Analyzing Investment Quality
Processing 9 key metrics...
Key Metrics
Hover for details
Valuation
Market Cap
₹8,000.59 Cr
Market Cap
Total market value of companyP/E Ratio
17.71
P/E Ratio
Price to Earnings. Lower is generally better (<25 is good)P/B Ratio
3.24
P/B Ratio
Price to Book Value. <3 may indicate undervaluationEPS
₹39.88
EPS
Earnings Per Share. Higher and growing is positiveProfitability
ROE
-%
ROE
Return on Equity. >15% is good, >20% is excellentROCE
12.60%
ROCE
Return on Capital Employed. >15% is goodNet Margin
32.73%
Net Margin
Net profit as % of revenue. >10% is goodOperating Margin
-%
Operating Margin
Operating profit margin. >15% is goodGrowth
EPS Growth (5Y)
-%
EPS Growth (5Y)
5-year EPS growth. >15% is strongRevenue Growth (5Y)
-%
Revenue Growth (5Y)
5-year revenue growth. >10% is goodQtr Sales Growth
43.60%
Qtr Sales Growth
Quarter-over-quarter sales growthQtr Profit Growth
43.00%
Qtr Profit Growth
Quarter-over-quarter profit growthFinancial Health
Debt/Equity
1.83
Debt/Equity
Financial leverage. <1 is good, <0.5 is excellentBook Value
₹251.05
Book Value
Net asset value per shareDividend Yield
-%
Dividend Yield
Annual dividend as % of price. >2% is goodPromoter Holding
47.70%
Promoter Holding
Promoter stake. >50% shows confidenceGood
Average
Needs Attention
SWOT Analysis
Strengths
4 points- •India Shelter Finance boasts a robust ROE of 15.1% and a healthy ROCE of 12.6%, signifying strong profitability and efficient capital utilization. This indicates effective asset management and attractive returns for investors.
- •The company exhibits impressive quarterly profit growth of 43% and a significant 43.6% surge in quarterly sales. This positive trend suggests strong market demand and successful business strategies.
Weaknesses
4 points- •India Shelter Finance carries a considerable debt-to-equity ratio of 1.83, indicating a reliance on debt financing. This high leverage increases financial risk and vulnerability to economic downturns or interest rate hikes.
- •The recent stock price has shown significant volatility, fluctuating between a high of 1012.00 and a low of 603.00 within a year. This price instability presents a risk for investors seeking portfolio stability.
Opportunities
3 points- •As a Housing Finance Company, India Shelter is well-positioned to capitalize on India's growing demand for affordable housing, driven by urbanization and government initiatives, expanding its market reach.
- •The company's strong ROE of 15.1% and ROCE of 12.6% are competitive among peers, suggesting potential for market share gains and further growth by leveraging its efficient operational model.
Threats
4 points- •The housing finance sector is highly competitive, with numerous players like Bajaj Housing and LIC Housing Fin. This intense competition could pressure margins and limit India Shelter's growth potential.
- •Rising interest rates could increase the company's borrowing costs and potentially reduce demand for housing loans, impacting profitability and asset quality in a rate-sensitive financial sector.
Segment-wise Financial Analysis
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Shareholding Pattern
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Company Insider Trading Activity
No insider trading data available
Corporate Action
Company Announcements
Technical Analysis & Indicators
Standard pivot points - most widely used
Pivot Points (CLASSIC)
| Level | Price | Distance | % Change |
|---|---|---|---|
| R4 | ₹734.13 | +₹44.48 | +6.45% |
| R3 | ₹715.68 | +₹26.03 | +3.77% |
| R2 | ₹704.82 | +₹15.17 | +2.20% |
| R1 | ₹697.23 | +₹7.58 | +1.10% |
| PIVOT | ₹686.37 | -3.28 | -0.48% |
| CURRENT | ₹689.65 | - | - |
| S1 | ₹641.88 | -₹47.77 | -6.93% |
| S2 | ₹660.33 | -₹29.32 | -4.25% |
| S3 | ₹667.92 | -₹21.73 | -3.15% |
| S4 | ₹678.78 | -₹10.87 | -1.58% |
CPR Levels
Support
Resistance
S4
N/A
S3
N/A
S2
N/A
S1
N/A
| CPR |
BC: N/AP: N/ATC: N/A
R1
N/A
R2
N/A
R3
N/A
R4
N/A
LTP: N/A
PDH: N/A
PDL: N/A
● Market Sentiment
is trading CPR, indicating
● CPR Width
CPR is
● Opening Range
Day's range: ~
● Price Position
Trading Inside opening range
Delivery Volume Analysis & Trading Activity
Latest Volume-25.8% vs avg
1.08L
(13 Mar 2026)Delivery %0.0% vs avg
59.8%
(13 Mar 2026)Avg Volume (20D)20-day average
1.46L
(13 Feb - 13 Mar)Avg Delivery %Trend ↑
59.8%
(13 Feb - 13 Mar)Delivery % indicates the percentage of traded volume that resulted in actual delivery. Higher delivery % (>50%) suggests genuine buying interest and stronger hands.
Peer Comparison & Industry Benchmarking
Quick Compare
Largest by Market Cap
Bajaj Housing Finance Ltd
73,949.47 ₹ Cr
Best Profit Growth
Home First Finance Company India Ltd
35.50 %
Highest Dividend Yield
GIC Housing Finance Ltd
2.81 %
Peer Comparison
| Company Name |
|---|
 AAVAS Financiers Ltd |
 Aptus Value Housing Finance India Ltd |
 Bajaj Housing Finance Ltd |
 Can Fin Homes Ltd |
 GIC Housing Finance Ltd |
 Home First Finance Company India Ltd |
 Reliance Home Finance Ltd |
 Sammaan Capital Ltd |
About
India Shelter Finance Corporation Ltd
India Shelter Finance Corporation Limited (INDIASHLTR) is a housing finance company operating within India. Its core business centers around providing various types of loans specifically tailored to the housing market. This focus on residential financing distinguishes them within the broader financial services sector.
The company's loan portfolio is diverse, catering to a range of customer needs and financial situations. A significant portion of their business involves retail home loans, which are standard mortgages for purchasing a home. These loans are likely the cornerstone of their revenue stream, representing a significant market share within their area of operation.
Beyond standard home purchases, INDIASHLTR also offers home equity loans. These loans use the equity built up in a homeowner's existing property as collateral. This provides existing homeowners with access to additional funds for various purposes without requiring a new mortgage. This diversification in loan products broadens their customer base and mitigates risk associated with relying solely on a single loan type.
Further expanding their service offerings, the company provides loans against property. This is a type of secured loan where the borrower's property acts as collateral. This product likely serves individuals needing quick access to funds using their home's value as security, adding flexibility to their lending solutions.
INDIASHLTR’s services extend beyond simple mortgages, encompassing loans for home improvements, home extensions, and the construction of new dwelling units on plots of land. This holistic approach to housing finance allows them to participate in the entire life cycle of a property, from initial construction to renovations and refinancing.
Incorporated in 1998 and headquartered in Gurugram, India, the company has a considerable history in the Indian housing finance market. Their name change to India Shelter Finance Corporation Limited in 2010 reflects a possible rebranding strategy or a shift in focus towards a broader range of shelter-related financial products. Their long-standing presence suggests a degree of market stability and understanding of the Indian housing market dynamics.
COMPANY FACTS - INDIASHLTR
Registered Address
6th Floor, Plot No 15, Institutional Area, Sector 44
Gurgaon
HARYANA
IN
Tel: 911244131800
Website:https://www.indiashelter.in/
Investor Relations:https://www.indiashelter.in/investor-relations
Company Details
Group: Financial Services
Sector: Financials
Industry: Financial Services
Exchange: NATIONAL STOCK EXCHANGE OF INDIA
Employees: 3,818
IPO Date: 20/12/2023
MANAGEMENT - INDIASHLTR
Mr. Sudhin Choksey
Non-Executive Chairman Nominee of the Board
Mr. Rupinder Singh
Chief Executive Officer, Managing Director, Executive Director
Mr. Ashish Gupta
Chief Financial Officer
Mr. Nilay ..
Chief Human Resource Officer
Mr. Abhinav Arya
Chief Information Officer
Mr. Aakash Jain
Chief Compliance Officer
Mr. Sharad Pareek
Chief Risk Officer
Mr. Ravinder Dhillon
Head - Collections
Mr. Rohit Gaur
Head - Product and Strategy
Mr. Nitin Goel
Head - Credit and Policy
Mr. Aman Saini
Business Head
Ms. Mukti Chaplot
Company Secretary
Investor Questions Answered
India Shelter Finance Corporation Ltd (INDIASHLTR) Stock FAQs
Get answers to the most common questions about India Shelter Finance Corporation Ltd stock price, fundamentals, financial metrics, and investment analysis
The current share price of India Shelter Finance Corporation Ltd (INDIASHLTR) is ₹689.65. Today, the stock has declined by ₹0.25 (0.04%), trading in a range of ₹675.5 to ₹693.95. The stock opened at ₹689.95 with a trading volume of 1,08,172 shares.
India Shelter Finance Corporation Ltd can be considered for long-term investment based on several factors. The company has a market capitalization of ₹8,000.59 crores, P/E ratio of 17.71, ROE of 0.00%, and ROCE of 12.60%. The dividend yield stands at 0.00%. However, investment decisions should be based on your financial goals, risk appetite, and thorough research. It's recommended to consult with a SEBI-registered financial advisor before making investment decisions.
The 52-week high price of India Shelter Finance Corporation Ltd (INDIASHLTR) is ₹1,011.75, while the 52-week low is ₹650. Currently trading at ₹689.65, the stock is 11.0% away from its 52-week low and 31.8% below its 52-week high. These levels help investors understand the stock's price volatility and trading range over the past year.
Whether to buy India Shelter Finance Corporation Ltd stock at ₹689.65 depends on multiple factors. The stock is currently trading with a P/E ratio of 17.71 and P/B ratio of N/A. Today's performance shows a loss of 0.04%. Consider analyzing the company's fundamentals, technical indicators, industry trends, and your investment horizon. Compare these metrics with industry peers and consult a financial advisor for personalized advice.
India Shelter Finance Corporation Ltd offers a dividend yield of 0.00%, which means for every ₹100 invested at the current price of ₹689.65, you can expect to receive approximately ₹0.00 annually as dividends. The face value of the stock is ₹5.00. For information about the next dividend announcement and ex-dividend date, please check the company's official announcements or visit the BSE/NSE websites.
India Shelter Finance Corporation Ltd's key financial metrics include: P/E Ratio: 17.71, P/B Ratio: N/A, ROE: 0.00%, ROCE: 12.60%, Dividend Yield: 0.00%, EPS: ₹39.88, Book Value: ₹251.05, Debt-to-Equity: 1.83, and Current Ratio: N/A. The company's market cap stands at ₹8,000.59 crores. These metrics help evaluate the company's valuation, profitability, and financial health.
India Shelter Finance Corporation Ltd stock opened at ₹689.95 and is currently trading at ₹689.65, showing a decline of ₹0.25 (0.04%). The intraday high is ₹693.95 and low is ₹675.5. The trading volume stands at 1,08,172 shares, indicating moderate market participation today.
India Shelter Finance Corporation Ltd has a Price-to-Earnings (P/E) ratio of 17.71, which means investors are willing to pay ₹17.71 for every ₹1 of earnings. With an EPS of ₹39.88, this P/E ratio indicates moderate valuation in line with market standards. Compare this with industry peers and historical P/E ratios for better context.
India Shelter Finance Corporation Ltd has a market capitalization of ₹8,000.59 crores, making it a small-cap company. Market cap is calculated by multiplying the current stock price (₹689.65) by the total number of outstanding shares. This metric helps investors understand the company's size, stability, and investment risk profile.
India Shelter Finance Corporation Ltd has a book value of ₹251.05 per share and a Price-to-Book (P/B) ratio of N/A. The current market price is ₹689.65, which is 174.7% above the book value. A P/B ratio below 1 may indicate undervaluation or asset quality concerns.
India Shelter Finance Corporation Ltd has a Return on Equity (ROE) of 0.00% and Return on Capital Employed (ROCE) of 12.60%. ROE measures how efficiently the company generates profits from shareholders' equity, while ROCE indicates how well the company uses its capital to generate profits. These returns may need improvement for better profitability. Higher percentages generally indicate better financial performance.
India Shelter Finance Corporation Ltd operates in the diversified sector and belongs to the general industry. The company competes with other players in this space and its performance is influenced by sector-specific trends, regulatory changes, and market dynamics. Understanding the sector helps investors assess growth potential, cyclical patterns, and industry-specific risks that may impact the stock's performance.
India Shelter Finance Corporation Ltd has a debt-to-equity ratio of 1.83, which measures the company's financial leverage by comparing total debt to shareholders' equity. A ratio above 1 suggests the company uses more debt than equity for financing. Lower ratios generally indicate lower financial risk, but optimal levels vary by industry.
India Shelter Finance Corporation Ltd has an Earnings Per Share (EPS) of ₹39.88, which represents the company's profit allocated to each outstanding share. With a current stock price of ₹689.65 and P/E ratio of 17.71, investors are paying 17.71 times the annual earnings per share. This moderate EPS suggests decent earnings generation. Track EPS growth over quarters to assess earnings momentum.
India Shelter Finance Corporation Ltd has reported a sales growth of N/A% and profit growth of N/A%. The company may be facing growth challenges or operating in a mature market. Consistent growth over multiple quarters is a positive indicator for long-term investors. Compare these growth rates with industry peers for better perspective.
India Shelter Finance Corporation Ltd has a current ratio of N/A, which measures the company's ability to pay short-term obligations with current assets. A ratio below 1 may indicate potential liquidity concerns. This metric is crucial for assessing the company's working capital management and financial safety.
To analyze India Shelter Finance Corporation Ltd stock, consider: 1) Fundamental Analysis - Review P/E (17.71), ROE (0.00%), debt-to-equity (1.83), and growth rates. 2) Technical Analysis - Check 52-week range (₹650.00 - ₹1011.75), moving averages, and chart patterns. 3) Valuation - Compare current price (₹689.65) with book value (₹251.05) and industry peers. 4) Financial Health - Assess current ratio (N/A) and cash flows. 5) Growth Prospects - Evaluate sales growth (N/A%) and profit growth (N/A%). Always diversify and consult a financial advisor.
The face value (or par value) of India Shelter Finance Corporation Ltd share is ₹5.00. Face value is the nominal value of a share as stated in the company's charter and is used for accounting purposes and calculating dividends. The current market price of ₹689.65 is 13693x the face value. Face value remains constant unless the company undergoes a stock split or bonus issue, while market price fluctuates based on demand and supply.
Investing in India Shelter Finance Corporation Ltd carries several risks: 1) Market Risk - Stock price volatility (52-week range: ₹650.00 - ₹1011.75). 2) Business Risk - Industry-specific challenges in the sector. 3) Financial Risk - Debt-to-equity ratio of 1.83 indicates leverage. 4) Liquidity Risk - Based on trading volume of 1,08,172 shares. 5) Valuation Risk - P/E of 17.71 may indicate over/undervaluation. 6) Economic Risk - Macroeconomic factors affecting the industry. Diversify your portfolio and invest only what you can afford to lose.
India Shelter Finance Corporation Ltd operates in the industry with key metrics: P/E ratio of 17.71, ROE of 0.00%, market cap of ₹8,000.59 crores, and dividend yield of 0.00%. To make an informed comparison, analyze these metrics against industry peers considering factors like revenue growth (N/A%), profit margins, debt levels (D/E: 1.83), and market position. Use our peer comparison tool on this page to see detailed side-by-side analysis with competitors.
Target prices for India Shelter Finance Corporation Ltd vary among analysts and depend on multiple factors including earnings projections, industry trends, and market conditions. The stock is currently trading at ₹689.65, with a 52-week range of ₹650.00 to ₹1011.75. Based on fundamentals like P/E (17.71), ROE (0.00%), and growth rates, analysts may have different target prices. Always refer to recent research reports from reputed brokerages and make decisions based on your own analysis and risk appetite.
Consider selling India Shelter Finance Corporation Ltd stock when: 1) Target Price Achieved - If the stock reaches your predetermined target from current ₹689.65. 2) Fundamental Deterioration - Declining ROE (currently 0.00%), increasing debt (D/E: 1.83), or falling growth rates. 3) Better Opportunities - Finding stocks with superior risk-reward ratios. 4) Portfolio Rebalancing - When the stock becomes overweight in your portfolio. 5) Changed Investment Thesis - If reasons for buying no longer hold. 6) Stop Loss - If price falls below your risk threshold. Always base decisions on thorough analysis rather than emotions.
Tax implications for India Shelter Finance Corporation Ltd stock investments: 1) Short-term Capital Gains (STCG) - If sold within 1 year, gains taxed at 15% plus cess. 2) Long-term Capital Gains (LTCG) - If held over 1 year, gains above ₹1 lakh taxed at 10% without indexation. 3) Dividend Income - Dividends (current yield: 0.00%) are taxable as per your income tax slab. 4) Securities Transaction Tax (STT) - Applicable on both buy and sell transactions. 5) Intraday Trading - Treated as speculative income, taxed as per slab. Tax laws change periodically, so consult a tax advisor for personalized guidance and latest regulations.
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