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India Shelter Finance Corporation Limited (INDIASHLTR.NS)
Gurugram, IN
India Shelter Finance Corporation Limited (ISFCL) is a financial institution specializing in housing loans, primarily catering to moderately-earning individuals across India. The company offers a diverse range of mortgage products, including standard home financing, loans leveraging home equity, and credit secured by property. These financial solutions are designed to support various housing needs, such as purchasing a new residence, undertaking property renovations, expanding existing homes, or funding new construction projects. Established in 1998, the entity initially operated as Satyaprakash Housing Finance India Limited before rebranding to its current name in March 2010. Its operations are headquartered in Gurugram, India.
No mergers or acquisitions recorded for this company.
| Indicator | 1D | 1W | 2W | 3W | 1M |
|---|
Day Score & sub-scores
Statistical fingerprint & regime detail
Conditional historical analysis
Customize analysis (advanced)
| 1D | 5D | 1M | 3M | 6M | YTD | 1Y | 3Y | 5Y | 10Y | Max |
|---|---|---|---|---|---|---|---|---|---|---|
| -0.37% | -0.72% | +7.57% | +12.24% | -1.35% | +3.63% | -8.18% | +52.93% | +52.93% | +52.93% | +52.93% |
Revenue flow
Revenue by geography
Revenue by segment
Revenue composition
By product
By geography
Income Statement
Balance Sheet
Cash Flow Statement
Key Metrics
Financial Ratios
Employees
Financial Growth (CAGR)
Market Data
DCF figures are point estimates: small changes in growth or discount-rate assumptions move them materially. Read them as a reference, not a precise target.
| Rating | 2026-05 | Change |
|---|---|---|
| Strong Buy | 0 | 0 |
| Buy | 8 | 0 |
| Hold | 0 | 0 |
| Sell | 0 | 0 |
| Strong Sell | 0 | 0 |
-
Revenue growth Financial - Mortgages: +18.2%+53.0% ★ Q1'26: +65.0% (vs Q1'25)
-
EPS growth Financial - Mortgages: +18.3%+32.5% ★ Q1'26: +27.7% (vs Q1'25)
-
FCF margin FCF growth · Financial - Mortgages: +84.8%+36.4% Q1'26: -118.7% (vs Q1'25)
-
EBIT margin Financial - Mortgages: +34.8%+42.7% ★ Q1'26: +44.1% (vs Q1'25)
-
ROIC Financial - Mortgages: +4.9%+5.5% ★ Q1'26: +6.0% (vs Q1'25)
-
Share dilution Financial - Mortgages: 0.0%+0.5% Q1'26: -0.4% (vs Q1'25)
-
Debt / EBITDA Net debt/EBITDA · Financial - Mortgages: 7.44×9.38× Q1'26: 8.53× (vs Q1'25)
* These projections are based on analyst consensus estimates and user-defined valuation multiples. This table is for informational purposes only and does not constitute a recommendation to buy or sell any security. Past performance is not indicative of future results.
| Metric |
Mar 2024 actual |
Mar 2025 actual |
Mar 2026 6 Rev. Ana. 4 EPS Ana. |
Mar 2027 6 Rev. Ana. 5 EPS Ana. |
Mar 2028 6 Rev. Ana. 5 EPS Ana. |
Mar 2029 1 Rev. Ana. 1 EPS Ana. |
|---|---|---|---|---|---|---|
| Revenue |
6.82B
est: 6.15B (+10.8%)
|
9.99B
est: 8.10B (+23.4%)
|
10.68B
10.64B – 10.69B
+31.9% YoY
|
13.41B
13.37B – 14.03B
+25.6% YoY
|
16.46B
16.35B – 17.82B
+22.7% YoY
|
19.52B
19.14B – 19.91B
+18.6% YoY
|
| EBITDA |
3.31B
est: 2.86B (+15.9%)
|
5.05B
est: 3.76B (+34.2%)
|
4.96B
4.94B – 4.96B
+31.9% YoY
|
6.23B
6.21B – 6.52B
+25.6% YoY
|
7.65B
7.59B – 8.28B
+22.7% YoY
|
9.07B
8.89B – 9.24B
+18.6% YoY
|
| EBIT |
3.21B
est: 2.77B (+15.9%)
|
4.93B
est: 3.65B (+35.1%)
|
4.81B
4.80B – 4.82B
+31.9% YoY
|
6.05B
6.02B – 6.33B
+25.6% YoY
|
7.42B
7.37B – 8.03B
+22.7% YoY
|
8.80B
8.63B – 8.97B
+18.6% YoY
|
| Net Income |
2.48B
est: 3.34B (-25.9%)
|
3.78B
est: 4.14B (-8.7%)
|
5.12B
5.05B – 5.19B
+23.8% YoY
|
6.65B
6.33B – 6.97B
+29.9% YoY
|
8.28B
7.66B – 8.90B
+24.5% YoY
|
9.78B
9.36B – 10.21B
+18.2% YoY
|
| SGA |
108.47M
est: 79.55M (+36.3%)
|
122.18M
est: 104.71M (+16.7%)
|
138.06M
137.55M – 138.20M
+31.9% YoY
|
173.45M
172.82M – 181.46M
+25.6% YoY
|
212.85M
211.43M – 230.45M
+22.7% YoY
|
252.45M
247.50M – 257.40M
+18.6% YoY
|
| EPS |
26.32
est: 28.70 (-8.3%)
|
35.18
est: 34.10 (+3.2%)
|
45.37
45.16 – 46.36
+33.0% YoY
|
56.87
56.60 – 62.26
+25.3% YoY
|
69.89
68.41 – 79.51
+22.9% YoY
|
84.00
83.60 – 91.23
+20.2% YoY
|
| Date | Rating | Overall | DCF | ROE | ROA | D/E | P/E | P/B |
|---|---|---|---|---|---|---|---|---|
| 2026-05-08 | B+ | 3/5 | 5/5 | 4/5 | 5/5 | 1/5 | 2/5 | 1/5 |
| 2026-05-07 | C | 2/5 | 5/5 | 1/5 | 1/5 | 1/5 | 2/5 | 1/5 |
| 2026-05-06 | C | 2/5 | 5/5 | 1/5 | 1/5 | 1/5 | 2/5 | 1/5 |
| 2026-05-05 | C | 2/5 | 5/5 | 1/5 | 1/5 | 1/5 | 2/5 | 1/5 |
| 2026-05-04 | C | 2/5 | 5/5 | 1/5 | 1/5 | 1/5 | 2/5 | 1/5 |
| 2026-04-30 | C | 2/5 | 5/5 | 1/5 | 1/5 | 1/5 | 2/5 | 1/5 |
| 2026-04-29 | C | 2/5 | 5/5 | 1/5 | 1/5 | 1/5 | 2/5 | 1/5 |
| 2026-04-28 | C | 2/5 | 5/5 | 1/5 | 1/5 | 1/5 | 2/5 | 1/5 |
| 2026-04-27 | C | 2/5 | 5/5 | 1/5 | 1/5 | 1/5 | 2/5 | 1/5 |
| 2026-04-24 | C | 2/5 | 5/5 | 1/5 | 1/5 | 1/5 | 2/5 | 1/5 |
| 2026-04-23 | C | 2/5 | 5/5 | 1/5 | 1/5 | 1/5 | 2/5 | 1/5 |
| 2026-04-22 | C | 2/5 | 5/5 | 1/5 | 1/5 | 1/5 | 2/5 | 1/5 |
| 2026-04-21 | C | 2/5 | 5/5 | 1/5 | 1/5 | 1/5 | 2/5 | 1/5 |
| 2026-04-20 | C | 2/5 | 5/5 | 1/5 | 1/5 | 1/5 | 2/5 | 1/5 |
| 2026-04-17 | C | 2/5 | 5/5 | 1/5 | 1/5 | 1/5 | 2/5 | 1/5 |
| 2026-04-16 | C | 2/5 | 5/5 | 1/5 | 1/5 | 1/5 | 2/5 | 1/5 |
| 2026-04-15 | C | 2/5 | 5/5 | 1/5 | 1/5 | 1/5 | 2/5 | 1/5 |
Owner Earnings
Ownership Overview
Ownership breakdown not available.
No beneficial ownership filings recorded.
Institutional Activity (13F)
Institutional history not available.
Top holders not available.
Insider Activity
No insider activity available.
Insider history not available.
No recent insider transactions.
Executive team
Executive compensation
Executive compensation not available.
No CEO compensation history available.
Proxy statements
No proxy statements available for this company yet.
Recent SEC filings
No SEC filings available for this company yet.
Executive team
| Name | Title | Compensation | Gender |
|---|---|---|---|
| Rupinder Singh | MD, Chief Executive Officer & Director | 79M | male |
| Ashish Gupta | Chief Financial officer | 26M | male |
| Mukti Umrao Singh Chaplot | Company Secretary | 4M | female |
| Aakash Jain | Chief Compliance Officer | — | male |
| Nilay Dutt | Chief Human Resource Officer | — | male |
| Nitin Goel | Head of Credit & Policy | — | male |
| Ravinder Dhillon | Head of Collection | — | male |
| N. Praveen Kumar | Head of Technical Vertical | — | male |
| Abhinav Arya | Chief Information Officer | — | male |
| Aman Saini | National Business Head | — | male |
No data available for this company.
No Senate trading activity found for this company.
No House trading activity found for this company.
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Community Opinion for INDIASHLTR.NS
Short-term intention
Target Price Distribution
These are community opinions and do not constitute buy or sell advice to act on. The results shown are based on aggregated opinions and are not an investment recommendation, nor do they intend to influence any investment decision.
