About
India Shelter Finance Corporation Limited operates as a housing finance company in India. The company offers home, purchase and construction, and home renovation loans, as well as loans against property. It also provides secured retail home and home equity loans. The company was formerly known as Satyaprakash Housing Finance India Limited and changed its name to India Shelter Finance Corporation Limited in March 2010. India Shelter Finance Corporation Limited was incorporated in 1998 and is based in Gurugram, India.
Key Metrics
as of Sep 2026Market Cap7,407 Cr
P/E14.70
Div Yield1.48 %
Book Value₹294.00
52w High₹924.00
52w Low₹620.00
Face Value₹5.00
Quarterly Results
Rs. Crores · hover row for definition| Metric | Jun 2026 | Mar 2026 | Dec 2025 | Sep 2025 | Jun 2025 | Mar 2025 | Dec 2024 | Sep 2024 | Jun 2024 | Mar 2024 | Dec 2023 | Sep 2023 | Jun 2023 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Expenses | 123.00 | 110.00 | 113.00 | 98.00 | 97.00 | 83.00 | 85.00 | 79.00 | 73.00 | 67.00 | 61.00 | 59.00 | 57.00 |
| Other Income | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 1.00 | 9.00 | 10.00 | 10.00 | 7.00 | 6.00 |
| Depreciation | 3.00 | 3.00 | 3.00 | 3.00 | 3.00 | 3.00 | 3.00 | 3.00 | 3.00 | 3.00 | 2.00 | 2.00 | 2.00 |
| Interest | 121.00 | 115.00 | 114.00 | 110.00 | 106.00 | 102.00 | 92.00 | 85.00 | 77.00 | 75.00 | 74.00 | 72.00 | 68.00 |
| Profit before tax | 185.00 | 182.00 | 160.00 | 158.00 | 155.00 | 139.00 | 124.00 | 117.00 | 108.00 | 99.00 | 81.00 | 77.00 | 61.00 |
| Tax % | 23.00 | 23.00 | 22.00 | 23.00 | 23.00 | 23.00 | 23.00 | 23.00 | 23.00 | 22.00 | 23.00 | 22.00 | 23.00 |
| Net Profit | 143.00 | 140.00 | 124.00 | 122.00 | 119.00 | 108.00 | 96.00 | 90.00 | 83.00 | 78.00 | 62.00 | 60.00 | 47.00 |
| EPS in Rs | 13.14 | 12.88 | 11.41 | 11.24 | 11.05 | 10.00 | 8.91 | 8.37 | 7.77 | 7.26 | 5.80 | 6.67 | 10.69 |
Profit & Loss
Annual · Rs. Crores| Metric | Mar 2026 | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 | Mar 2021 | Mar 2020 | Mar 2019 |
|---|---|---|---|---|---|---|---|---|
| Expenses | 417.00 | 319.00 | 243.00 | 185.00 | 138.00 | 99.00 | 84.00 | 83.00 |
| Other Income | 0.00 | 10.00 | 32.00 | 22.00 | 12.00 | 6.00 | 0.00 | 0.00 |
| Interest | 446.00 | 356.00 | 289.00 | 211.00 | 149.00 | 106.00 | 76.00 | 49.00 |
| Depreciation | 12.00 | 12.00 | 10.00 | 8.00 | 7.00 | 5.00 | 6.00 | 2.00 |
| Profit before tax | 655.00 | 488.00 | 318.00 | 201.00 | 167.00 | 113.00 | 64.00 | 38.00 |
| Tax % | 23.00 | 23.00 | 22.00 | 23.00 | 23.00 | 23.00 | 27.00 | 26.00 |
| Net Profit | 505.00 | 377.00 | 247.00 | 155.00 | 128.00 | 87.00 | 47.00 | 28.00 |
| EPS in Rs | 46.44 | 34.95 | 23.06 | 35.32 | 29.39 | 20.33 | 10.95 | 6.59 |
| Dividend Payout % | 22.00 | 14.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Balance Sheet
Annual · Rs. Crores — latest first| Metric | Mar 2026 | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 | Mar 2021 | Mar 2020 | Mar 2019 |
|---|---|---|---|---|---|---|---|---|
| Equity Capital | 54.00 | 54.00 | 54.00 | 44.00 | 44.00 | 43.00 | 43.00 | 42.00 |
| Reserves | 3,144.00 | 2,653.00 | 2,244.00 | 1,196.00 | 1,032.00 | 894.00 | 805.00 | 751.00 |
| Other Liabilities | 171.00 | 70.00 | 80.00 | 66.00 | 75.00 | 41.00 | 262.00 | 61.00 |
| Total Liabilities | 9,615.00 | 7,746.00 | 5,793.00 | 4,295.00 | 3,221.00 | 2,470.00 | 1,799.00 | 1,362.00 |
| Fixed Assets | 29.00 | 29.00 | 30.00 | 24.00 | 17.00 | 15.00 | 18.00 | 7.00 |
| CWIP | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Investments | 395.00 | 327.00 | 170.00 | 59.00 | 175.00 | 0.00 | 94.00 | 80.00 |
| Other Assets | 9,191.00 | 7,389.00 | 5,593.00 | 4,212.00 | 3,029.00 | 2,455.00 | 1,687.00 | 1,276.00 |
| Total Assets | 9,615.00 | 7,746.00 | 5,793.00 | 4,295.00 | 3,221.00 | 2,470.00 | 1,799.00 | 1,362.00 |
Cash Flows
Annual · Rs. Crores — latest first| Metric | Mar 2026 | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 | Mar 2021 | Mar 2020 | Mar 2019 |
|---|---|---|---|---|---|---|---|---|
| Cash from Operating Activity | -1,183.00 | -1,436.00 | -1,233.00 | -853.00 | -495.00 | -421.00 | -292.00 | -341.00 |
| Cash from Investing Activity | -107.00 | -61.00 | -233.00 | 161.00 | 1.00 | 77.00 | -150.00 | 26.00 |
| Cash from Financing Activity | 1,238.00 | 1,566.00 | 1,220.00 | 907.00 | 592.00 | 560.00 | 395.00 | 344.00 |
| Net Cash Flow | -52.00 | 70.00 | -247.00 | 215.00 | 97.00 | 216.00 | -46.00 | 28.00 |
| Free Cash Flow | -1,194.00 | -1,444.00 | -1,239.00 | -859.00 | -500.00 | -423.00 | -293.00 | -345.00 |
| CFO/OP % | -94.00 | -158.00 | -198.00 | -201.00 | -151.00 | -184.00 | -188.00 | -372.00 |
Ratios
Annual · Days / % — latest first| Metric | Mar 2026 | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 | Mar 2021 | Mar 2020 | Mar 2019 |
|---|
Corporate Actions
2 records| Action | Ex Date | Record Date | Ratio | Amount (₹) | Notes |
|---|---|---|---|---|---|
| Dividend | 19 Jun 2026 | 19 Jun 2026 | — | 10.00 | |
| Dividend | 04 Jul 2025 | 04 Jul 2025 | — | 5.00 |
Announcements
5 filingsShareholding Pattern
Open on BSEFinancial Results — Filings
Open on BSEBoard Filings
Open on BSEAnnual Reports
Credit Ratings
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Rating update8 Jul from care
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Rating update9 Mar from fitch
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Rating update25 Nov 2025 from icra
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Rating update2 Jul 2025 from care
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Rating update30 Jun 2025 from icra
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Rating update2 May 2025 from fitch