Flash Finance

India Shelter Finance Corporation LimitedINDIASHLTRBank / NBFC

Finance - Housing Latest results: Mar 2026 13 quarters of data
Consolidated Standalone
₹620.60
MCap ₹6,775 Cr · P/E 13.5
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AI-assisted data: figures and text on this page are extracted from public quarterly filings with AI assistance, checked automatically and overseen by our editorial team (human in the loop). They may still contain errors or omissions. Verify critical numbers against official company / SEBI / NSE / BSE filings before making any decision. Educational information only, not financial advice.
₹408 Cr
Interest Earned · Mar 2026
+24.8% YoY
—
Operating Profit · Mar 2026
₹138 Cr
Net Profit · Mar 2026
+27.8% YoY
₹12.65
EPS · Mar 2026
+26.2% YoY
1.25%
Gross NPA % · Mar 2026
0.93%
Net NPA % · Mar 2026

📝 India Shelter Finance Corporation Limited — results explained

Quarter ended March 2026 (Q4 FY26)

India Shelter Finance Corporation Limited reported total income of ₹408 crore for the quarter ended March 2026 (Q4 FY26), up 24.8% from ₹327 crore in the same quarter last year, and up 4.6% sequentially over the December 2025 quarter.

Of this, interest earned contributed ₹408 crore and other income ₹0 crore. Net interest income (interest earned minus interest expended of ₹115 crore) worked out to ₹293 crore.

Net profit rose 27.8% year-on-year to ₹138 crore, from ₹108 crore. Earnings per share (EPS) came in at ₹12.65.

On asset quality, gross NPA stood at 1.25% and net NPA at 0.93% (gross NPA was 0.99% a year ago).

Full year and trailing twelve months

For the full year FY26, India Shelter Finance Corporation Limited posted total income of ₹1,528 crore, a growth of 29.9% over FY25, with a net profit of ₹503 crore (up 33.1% year-on-year).

On a trailing-twelve-month (TTM) basis, total income stands at ₹1,528 crore with a net profit of ₹503 crore.

Valuation snapshot

At the current price of ₹620.60, INDIASHLTR has a market capitalisation of ₹6,775 crore and a trailing P/E of about 13.5.

Within the Finance - Housing industry, it is the 3rd-largest of the 8 companies we track by market value.

Shareholding pattern

As of Jun 2026, promoters held 46.05%, foreign institutional investors (FIIs) 6.87%, domestic institutional investors (DIIs) 21.92%, public shareholders 25.16% of India Shelter Finance Corporation Limited.

Promoter holding slipped from 47.53% to 46.05% over the latest period.

📈 Share price & events

📊 Quarterly trend

₹ crore

🎯 Key metrics

price-linked ratios use the latest close
Valuation
Market Cap ?
₹6,775 Cr
Current Price ?
₹620.6
P/E ?
13.47above ind
Industry P/E ?
6.90
P/B ?
2.12
P/S ?
4.43
P/FCF ?
-5.66
Enterprise Value ?
N/A
EV/EBITDA ?
N/A
PEG ?
0.28
Earnings Yield ?
7.4%
Dividend Yield ?
1.62%
Profitability & Returns
Total Income (TTM) ?
₹1,528 Cr
OPM ?
N/A
Profit after tax (TTM) ?
₹503 Cr
EPS (TTM) ?
₹46.08
ROCE ?
N/A
ROE ?
15.7%
ROA ?
5.2%
Gross NPA % ?
1.25%
Net NPA % ?
0.93%
Growth
Total Income — latest qtr ?
₹408 Cr
PAT — latest qtr ?
₹138 Cr
YoY qtr sales growth ?
24.8%
YoY qtr profit growth ?
27.8%
Sales growth (3y) ?
38%
Sales growth (5y) ?
37%
Profit growth (3y) ?
48%
Profit growth (5y) ?
42%
Financial Health
Debt ?
N/A
Debt to Equity ?
N/A
Interest Coverage ?
N/A
Current Ratio ?
N/A
Ownership
Promoter holding ?
46.05%
Change in promoter holding ?
-1.86%
Pledged percentage ?
N/A
Market
Return 3 months ?
-23.9%
Return 6 months ?
-22.7%

🗓️ Quarterly results (13 quarters · ₹ Cr)

same fiscal quarter as Mar bestweakest per row · for costs (interest, NPAs) low is best
Metric Mar 2023Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026 YoY % QoQ %
Interest Earned 170182204209235252283304327361369390408 +24.8% +4.6%
Other Income 867101091000000 — —
Total Income 178188211219245261284304327361369390408 +24.8% +4.6%
Interest Expended 5668727475778592102106110114115 +12.7% +0.9%
Operating Profit ————————————— — —
Provisions ————————————— — —
Profit Before Tax 68617781100108117124140155158160180 +28.6% +12.5%
Net Profit 5347606278849096108119122124138 +27.8% +11.3%
EPS 12.1010.736.695.827.287.798.398.9210.0211.0711.2611.4212.65 +26.2% +10.8%
Gross NPA % 1.13% 1.09% — 1.20% 0.97% 1.14% 1.24% 1.25% 0.99% 1.24% 1.25% 1.54% 1.25% — —
Net NPA % 0.85% 0.80% — 0.90% 0.73% 0.86% 0.94% 0.94% 0.75% 0.95% 0.94% 1.16% 0.93% — —
Capital Adequacy Ratio — — — — — — — — — — — — — — —

📆 Annual results (₹ Cr, FY = Apr–Mar)

Metric FY25 FY26 TTM YoY %
Interest Earned ₹1,166 Cr ₹1,528 Cr ₹1,528 Cr +31.0%
Other Income ₹10 Cr ₹0 Cr ₹0 Cr -100.0%
Total Income ₹1,176 Cr ₹1,528 Cr ₹1,528 Cr +29.9%
Interest Expended ₹356 Cr ₹445 Cr ₹445 Cr +25.0%
Net Interest Income ₹810 Cr ₹1,083 Cr ₹1,083 Cr +33.7%
Operating Profit — — — —
Provisions — — — —
Profit Before Tax ₹489 Cr ₹653 Cr ₹653 Cr +33.5%
Tax — — — —
Net Profit ₹378 Cr ₹503 Cr ₹503 Cr +33.1%
EPS ₹35.12 ₹46.40 ₹46.40 +32.1%

🏛️ Balance Sheet (latest 4 periods)

Metric Mar 2023Mar 2024Mar 2025Mar 2026 % Chg
Equity Capital 44545454 +0.0%
Reserves 1,1972,2452,6553,144 +18.4%
Borrowing 2,9893,4154,9696,246 +25.7%
Other Liabilities 668070171 +144.3%
Total Liabilities 4,2965,7947,7489,615 +24.1%
Fixed Assets 24302929 +0.0%
CWIP 0000 —
Investments 47158315395 +25.4%
Other Assets 4,2245,6077,4039,191 +24.2%
Total Assets 4,2965,7947,7489,615 +24.1%

💧 Cash Flow (latest 4 periods)

Metric Mar 2023Mar 2024Mar 2025Mar 2026 % Chg
Cash from Operating Activity -852-1,232-1,435-1,185 +17.4%
Cash from Investing Activity 162-236-61-105 -72.1%
Cash from Financing Activity 9071,2201,5661,238 -20.9%
Net Cash Flow 217-24970-53 -175.7%
Free Cash Flow -858-1,238-1,443-1,196 +17.1%
CFO/OP -201%-197%-157%-95% +39.5%

➗ Ratios (latest 4 periods)

Metric Mar 2023Mar 2024Mar 2025Mar 2026 % Chg
ROE % 13%14%15%17% +13.3%

👥 Shareholding (latest 5 periods)

Metric Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026 % Chg
Promoters 47.91%47.71%47.60%47.53%46.05% -3.1%
FIIs 7.96%8.02%7.48%6.87%6.87% +0.0%
DIIs 17.67%21.00%20.72%21.39%21.92% +2.5%
Public 26.46%23.27%24.20%24.21%25.16% +3.9%
No. of Shareholders 65,80365,94962,61959,10056,218 -4.9%

⚖️ Peer comparison

Industry: Finance - Housing · 8 companies · full page →
# Company CMP MCap (Cr) P/E Total Inc TTM NP TTM OPM% NPM% Inc YoY% NP YoY% Qtr Rev Δ% Qtr NP Δ%
1 HOMEFIRST Home First ₹1,238.10 12,946 22.2 2,006 581 10.4% 29.0% 24.8% 41.4% 18.4% 34.3%
2 AAVAS Aavas Financiers ₹1,271.50 10,082 14.7 2,765 687 8.0% 24.9% 13.9% 14.1% 12.9% 23.2%
3 INDIASHLTR India Shelter ₹676.40 7,384 14.6 1,528 503 0.0% 32.9% 29.9% 33.1% 24.8% 27.8%
4 REPCOHOME Repco Home ₹331.95 2,077 4.3 1,822 482 8.1% 26.4% 4.3% 2.8% 6.3% 5.8%
5 GICHSGFIN GIC Housing ₹134.92 727 4.6 1,086 158 1.6% 14.6% 0.7% -3.7% 0.9% 44.0%
6 SRGHFL SRG Housing ₹117.35 184 5.4 211 34 4.7% 16.2% 29.2% 33.2% 26.6% 24.9%
7 CORALFINAC Coral India ₹32.40 131 9.1 15 14 77.5% 99.0% -27.2% -15.5% -18.8% -8.3%
8 RHFL Reliance Home ₹1.59 78 4.5 0 24 -1463.6% 10986.4% -64.5% 782.8% -100.0% 89.8%
❓ Frequently asked questions
What was India Shelter Finance Corporation Limited's total income in Q4 FY26?
India Shelter Finance Corporation Limited reported total income of ₹408 crore for the quarter ended March 2026 (Q4 FY26), up 24.8% from ₹327 crore in the same quarter last year, and up 4.6% sequentially over the December 2025 quarter.
What was India Shelter Finance Corporation Limited's net profit in Q4 FY26?
Net profit rose 27.8% year-on-year to ₹138 crore, from ₹108 crore. Earnings per share (EPS) came in at ₹12.65.
What is INDIASHLTR's market capitalisation and P/E ratio?
At the current price of ₹620.60, INDIASHLTR has a market capitalisation of ₹6,775 crore and a trailing P/E of about 13.5.
What are India Shelter Finance Corporation Limited's NPA levels?
On asset quality, gross NPA stood at 1.25% and net NPA at 0.93% (gross NPA was 0.99% a year ago).
Who owns India Shelter Finance Corporation Limited? (shareholding pattern)
As of Jun 2026, promoters held 46.05%, foreign institutional investors (FIIs) 6.87%, domestic institutional investors (DIIs) 21.92%, public shareholders 25.16% of India Shelter Finance Corporation Limited.
TTM ends 2026-03-31. Amounts are ₹ crore unless stated otherwise. Figures are extracted by AI from public quarterly filings; gaps are filled from public market data. Live price refreshed about twice a day from exchange data. Educational information only — not financial advice.
⚠️ How this site is made: Market data pages are computed automatically from NSE/BSE publications and company filings; news articles and announcement analyses are written with AI assistance, with a human in the loop: our editors review what the AI produces. Both can contain errors. Verify with the original sources before any investment decision. Not investment advice; Flash Finance is not SEBI-registered. How we use AI