India Shelter Finance Corporation Limited
NSE: INDIASHLTR · Housing Finance Company
Snapshot
Unlock India Shelter Finance Corporation Limited's vital signs
Growth · Profitability · Valuation · Strength · Conviction
Company Overview
Business
India Shelter Finance Corporation Limited is a housing finance company that provides home loans and property-backed financing to low-to-middle income individuals. Its product suite includes home purchase, improvement, extension, and construction loans, as well as loans against property.
Business Model
The company generates revenue primarily through interest income earned on its retail loan portfolio, which is focused on the affordable housing segment. It operates by sourcing loans from underserved segments and managing credit risk through collateralised lending.
Growth Outlook
Growth is driven by the increasing demand for affordable housing in India's tier-2 and tier-3 cities. The company aims to expand its footprint to capture the credit needs of the growing low-to-middle income demographic.
Key Risks
- Credit Risk. The company is exposed to potential defaults from its low-to-middle income borrower base, which may be more sensitive to economic downturns.
- Interest Rate Risk. Fluctuations in interest rates can impact the company's net interest margins and the affordability of loans for its target customer segment.
- Regulatory Risk. Changes in housing finance regulations or government policies regarding affordable housing could adversely affect the company's operational model.
- Liquidity Risk. As a non-banking financial company, the firm relies on external funding sources, making it vulnerable to tightening liquidity conditions in the Indian debt markets.
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Key Metrics
REVENUE
₹1,601 Cr
TTM · standalone
NET PROFIT
₹529 Cr
TTM · standalone
EPS
₹48.73
TTM · standalone
RETURN ON EQUITY
17.9%
TTM · standalone
P/E
13.9x
Q1 FY27 · standalone
EBITDA MARGIN
72.3%
TTM · standalone
NET PROFIT MARGIN
33.1%
Q1 FY27 · standalone
Peers · Housing Finance Company
| Company | Mkt Cap | P/E | EV/EBITDA | Rev Gr YoY | EBITDA Mgn | ROE | ROCE | 1Y Return |
|---|---|---|---|---|---|---|---|---|
India Shelter Finance Corporation LimitedINDIASHLTR | ₹7,366 Cr | 13.89 | — | 25.7% | 72.3% | 17.9% | — | -25.7% |
Aptus Value Housing Finance India Ltd.APTUS | ₹12,962 Cr | 13.15 | — | 22.9% | 83.5% | 21.0% | — | -21.3% |
Home First Finance Company India Ltd.HOMEFIRST | ₹12,649 Cr | 21.63 | — | 21.3% | 79.0% | 16.9% | — | -3.3% |
Can Fin Homes Ltd.CANFINHOME | ₹10,751 Cr | 9.52 | — | 8.2% | 92.1% | 20.5% | 26.9% | +6.7% |
Aavas Financiers Ltd.AAVAS | ₹10,341 Cr | 15.04 | — | 13.3% | 73.9% | 14.6% | — | -17.2% |
Repco Home Finance LimitedREPCOHOME | ₹2,244 Cr | 4.66 | — | 6.2% | 88.7% | 12.9% | 10.3% | +0.2% |
As of Q1 FY27
Financials
India Shelter Finance Corporation Limited
NSE: INDIASHLTR · Housing Finance Company
Snapshot
Unlock India Shelter Finance Corporation Limited's vital signs
Growth · Profitability · Valuation · Strength · Conviction
Company Overview
Business
India Shelter Finance Corporation Limited is a housing finance company that provides home loans and property-backed financing to low-to-middle income individuals. Its product suite includes home purchase, improvement, extension, and construction loans, as well as loans against property.
Business Model
The company generates revenue primarily through interest income earned on its retail loan portfolio, which is focused on the affordable housing segment. It operates by sourcing loans from underserved segments and managing credit risk through collateralised lending.
Growth Outlook
Growth is driven by the increasing demand for affordable housing in India's tier-2 and tier-3 cities. The company aims to expand its footprint to capture the credit needs of the growing low-to-middle income demographic.
Key Risks
- Credit Risk. The company is exposed to potential defaults from its low-to-middle income borrower base, which may be more sensitive to economic downturns.
- Interest Rate Risk. Fluctuations in interest rates can impact the company's net interest margins and the affordability of loans for its target customer segment.
- Regulatory Risk. Changes in housing finance regulations or government policies regarding affordable housing could adversely affect the company's operational model.
- Liquidity Risk. As a non-banking financial company, the firm relies on external funding sources, making it vulnerable to tightening liquidity conditions in the Indian debt markets.
Start your research today
Unlock AI insights, financials, peers and live data on India Shelter Finance Corporation Limited and 5,000+ companies — free.
Key Metrics
REVENUE
₹1,601 Cr
TTM · standalone
NET PROFIT
₹529 Cr
TTM · standalone
EPS
₹48.73
TTM · standalone
RETURN ON EQUITY
17.9%
TTM · standalone
P/E
13.9x
Q1 FY27 · standalone
EBITDA MARGIN
72.3%
TTM · standalone
NET PROFIT MARGIN
33.1%
Q1 FY27 · standalone
Peers · Housing Finance Company
As of Q1 FY27