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 13.4
India Shelter Finance Corporation Limited — Stock analysis & AI research India Shelter Finance Corporation Limited — Seasonality — best & worst months India Shelter Finance Corporation Limited — Technical indicators & charts India Shelter Finance Corporation Limited — Technical setup — score, trend, support & resistance India Shelter Finance Corporation Limited — Live exchange announcements
📋 High Sales Growth Stocks📋 High Profit Growth Stocks📋 GARP Stocks (PEG Below 1)📋 Banks With Lowest NPA 📈 New 52-Week Low Stocks📈 Lowest Technical Score📈 Multi-Timeframe Bearish Stocks📈 Stocks Near 52-Week Low 🏭 Financial Services sector
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.
₹411 Cr
Interest Earned · Mar 2026
+25.7% YoY
—
Operating Profit · Mar 2026
₹140 Cr
Net Profit · Mar 2026
+29.6% YoY
₹12.88
EPS · Mar 2026
+28.8% 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 ₹411 crore for the quarter ended March 2026 (Q4 FY26), up 25.7% from ₹327 crore in the same quarter last year, and up 5.4% sequentially over the December 2025 quarter.

Of this, interest earned contributed ₹411 crore and other income ₹0 crore. Net interest income (interest earned minus interest expended of ₹115 crore) worked out to ₹296 crore.

Net profit rose 29.6% year-on-year to ₹140 crore, from ₹108 crore. Earnings per share (EPS) came in at ₹12.88.

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 ₹1,531 crore, a growth of 30.4% over FY25, with a net profit of ₹505 crore (up 34.0% year-on-year).

On a trailing-twelve-month (TTM) basis, total income stands at ₹1,531 crore with a net profit of ₹505 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 13.4.

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 ?
13.42above ind
Industry P/E ?
6.90
P/B ?
2.12
P/S ?
4.43
P/FCF ?
-5.67
Enterprise Value ?
N/A
EV/EBITDA ?
N/A
PEG ?
0.28
Earnings Yield ?
7.5%
Dividend Yield ?
1.62%
Profitability & Returns
Total Income (TTM) ?
₹1,531 Cr
OPM ?
N/A
Profit after tax (TTM) ?
₹505 Cr
EPS (TTM) ?
₹46.26
ROCE ?
N/A
ROE ?
15.8%
ROA ?
5.3%
Gross NPA % ?
1.25%
Net NPA % ?
0.93%
Growth
Total Income — latest qtr ?
₹411 Cr
PAT — latest qtr ?
₹140 Cr
YoY qtr sales growth ?
25.7%
YoY qtr profit growth ?
29.6%
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 169182204209234251282304327361369390411 +25.7% +5.4%
Other Income 867101091000000 — —
Total Income 177188211219244260283304327361369390411 +25.7% +5.4%
Interest Expended 5668727475778592102106110114115 +12.7% +0.9%
Operating Profit ————————————— — —
Provisions ————————————— — —
Profit Before Tax 6861778199108117124139155158160182 +30.9% +13.8%
Net Profit 5347606278839096108119122124140 +29.6% +12.9%
EPS 12.0610.696.675.807.267.778.378.9110.0011.0511.2411.4112.88 +28.8% +12.9%
Gross NPA % — — — — — — — 1.25% 0.99% 1.24% 1.25% 1.54% 1.25% — —
Net NPA % 0.85% — — — — — — 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 ₹1,164 Cr ₹1,531 Cr ₹1,531 Cr +31.5%
Other Income ₹10 Cr ₹0 Cr ₹0 Cr -100.0%
Total Income ₹1,174 Cr ₹1,531 Cr ₹1,531 Cr +30.4%
Interest Expended ₹356 Cr ₹445 Cr ₹445 Cr +25.0%
Net Interest Income ₹808 Cr ₹1,086 Cr ₹1,086 Cr +34.4%
Operating Profit — — — —
Provisions — — — —
Profit Before Tax ₹488 Cr ₹655 Cr ₹655 Cr +34.2%
Tax — — — —
Net Profit ₹377 Cr ₹505 Cr ₹505 Cr +34.0%
EPS ₹35.05 ₹46.58 ₹46.58 +32.9%

🏛️ Balance Sheet (latest 4 periods)

Metric Mar 2023Mar 2024Mar 2025Mar 2026 % Chg
Equity Capital 44545454 +0.0%
Reserves 1,1962,2442,6533,144 +18.5%
Borrowing 2,9893,4154,9696,246 +25.7%
Other Liabilities 668070171 +144.3%
Total Liabilities 4,2955,7937,7469,615 +24.1%
Fixed Assets 24302929 +0.0%
CWIP 0000 —
Investments 59170327395 +20.8%
Other Assets 4,2125,5937,3899,191 +24.4%
Total Assets 4,2955,7937,7469,615 +24.1%

💧 Cash Flow (latest 4 periods)

Metric Mar 2023Mar 2024Mar 2025Mar 2026 % Chg
Cash from Operating Activity -853-1,233-1,436-1,183 +17.6%
Cash from Investing Activity 161-233-61-107 -75.4%
Cash from Financing Activity 9071,2201,5661,238 -20.9%
Net Cash Flow 215-24770-52 -174.3%
Free Cash Flow -859-1,239-1,444-1,194 +17.3%
CFO/OP -201%-198%-158%-95% +39.9%

➗ 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 ₹411 crore for the quarter ended March 2026 (Q4 FY26), up 25.7% from ₹327 crore in the same quarter last year, and up 5.4% sequentially over the December 2025 quarter.
What was India Shelter Finance Corporation Limited's net profit in Q4 FY26?
Net profit rose 29.6% year-on-year to ₹140 crore, from ₹108 crore. Earnings per share (EPS) came in at ₹12.88.
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 13.4.
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