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India Shelter Finance Corporation Ltd is a IN-based company operating in Financial Services industry. The company is headquartered in Gurgaon, Haryana and currently employs 2,709 full-time employees. The company went IPO on 2023-12-20. India Shelter Finance Corporation Limited (ISFC) is a retail focused affordable housing finance company. The firm is engaged in providing secured retail home loans, home equity loans and loans against property to borrowers for a period of up to 20 years. ISFC provides credit for middle-income households to acquire new housing or to extend and improve their current housing. The company provides home loans for internal or external repairs to existing homes, upgradation of existing homes (including addition of rooms and floors), self-construction, plot purchase and purchase of property. ISFC also provides secured loans, disbursed with an identified property mortgaged as collateral. Its loans against property primarily include self-occupied residential properties. The company also provides credits under Pradhan Mantri Awas Yojana. Its subsidiary is India Shelter Capital Finance Limited.
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“Banking franchise in Housing Finance — Lending.”
Net Interest Income of ₹1,229 Cr on total income of ₹1,229 Cr.
Cost-to-income ratio at 30.7%. Provision coverage at 0.0% of income.
“Next couple of years, what we feel, we want to grow in the range of 35%.”
“We delivered an AUM growth of 31% year on year, reaching an AUM of rupees 9,252 crores. Q2 FY26 disbursed 931 crores, registering a growth of 12%.”
“PAT for the quarter came in at rupees 122 crores, registering a growth of 35% year on year and 2% quarter on quarter. Return on equity stood at 17%.”
| KPI | Company | Sector Median |
|---|---|---|
| ROE | 15.7%▲ | 12.2% |
| ROCE | 11.4%▲ | 9.7% |
| Net Margin | 40.9%▲ | 26.5% |
| EBITDA Margin | 72.7%▼ | 83.4% |
| Debt To Equity | 1.95x▼ | 2.96x |
| Cost To Income | 30.7%▼ | 38.0% |
| (₹ Cr) | TTM | FY2025 | FY2024 |
|---|---|---|---|
| Revenue | ₹1,528 Cr +31.1% | ₹1,166 Cr +40.5% | ₹830 Cr |
| ₹0.19 Cr -98.2% | ₹10 Cr -67.6% | ₹32 Cr | |
| Total Income | ₹1,529 Cr +30.0% | ₹1,176 Cr +36.5% | ₹861 Cr |
| ₹875 Cr +27.5% | ₹687 Cr +26.7% | ₹542 Cr | |
| Profit Before Tax | ₹653 Cr +33.5% | ₹489 Cr +53.3% | ₹319 Cr |
| ₹150 Cr +34.9% | ₹111 Cr +55.5% | ₹72 Cr | |
| Net Profit | ₹503 Cr +33.2% | ₹378 Cr +52.6% | ₹248 Cr |
| Profit (Owners) | ₹503 Cr +33.2% | ₹378 Cr +52.6% | ₹248 Cr |
| Other Comprehensive Income | ₹3 Cr +136.8% | ₹1 Cr ↑ Recovery | (₹5 Cr) |
| EPS | ₹46.40 | ₹35.02 | ₹23.13 |
| Diluted Shares | ₹11 Cr | ₹11 Cr | ₹11 Cr |
| Fees And Commission Income | ₹147 Cr +28.6% | ₹115 Cr +203.1% | ₹38 Cr |
| Net Gain On Amortised Derecognition | ₹146 Cr +49.3% | ₹98 Cr +23.9% | ₹79 Cr |
| Impairment On Financial Instruments | ₹40 Cr +52.6% | ₹26 Cr +37.8% | ₹19 Cr |
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India Shelter Finance Corporation Limited has informed the Exchange about Schedule of meet
India Shelter Finance Corporation Limited has informed the Exchange about issue of NCDs
India Shelter Finance Corporation Limited has submitted the Exchange a copy Srutinizers report of Annual General Meeting held on July 16, 2026. Further, the company has informed the Exchange regardin...
India Shelter Finance Corporation Limited has informed the Exchange regarding Proceedings of Annual General Meeting held on July 16, 2026
India Shelter Finance Corporation Limited has informed the Exchange about Copy of Newspaper Publication
India Shelter Finance Corporation Limited has informed the Exchange about Schedule of meet
India Shelter Finance Corporation Limited has informed the Exchange about Link of Recording
India Shelter Finance Corporation Limited has informed the Exchange about Copy of Newspaper Publication
India Shelter Finance Corporation Limited has informed the Exchange about Investor Presentation
India Shelter Finance Corporation Limited has informed the Exchange regarding a press release dated May 02, 2026, titled "Press release for the quarter and financial year ended March 31, 2026".
India Shelter Finance Corporation Limited has informed the Exchange that Board of Directors at its meeting held on May 02, 2026, recommended Final Dividend of Rs. 10 per equity share.
India Shelter Finance Corporation Limited has submitted to the Exchange, the financial results for the period ended March 31, 2026.
India Shelter Finance Corporation Limited has informed the Exchange regarding Grant of 284700 stock Options under ESOP schemes of the company.
India Shelter Finance Corporation Limited has informed the Exchange regarding the Trading Window closure pursuant to SEBI (Prohibition of Insider Trading) Regulations, 2015
India Shelter Finance Corporation Limited has informed the Exchange regarding Allotment of 42700 Shares.