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What sector is India Shelter Finance Corporation Ltd in?

India Shelter Finance Corporation Ltd (INDIASHLTR) is in the Financial Services sector, Housing Finance Company industry on the NSE.

India Shelter Finance Corporation Ltd

Name: India Shelter Finance Corporation Ltd (INDIASHLTR) Financial Metrics
Creator: VestAI
License: https://www.vestai.io/terms

INDIASHLTR

NSE· Financial Services

₹722.60

-5.35 (-0.73%)

52W Low · ₹653.2052W High · ₹975.00

Near 52W Low

Market Cap

₹8231.77L Cr

Volume

58.9K

Prev Close

₹723.90

ISIN

INE922K01024

Orion Score

Fundamentals-based quality & risk · not a recommendation

40/100

Caution

Raw blend 54 capped to 40 by a red flag.

Why this is capped

Raw blend 54 → capped to 40

Profit not converting to cash (CFO -3.6x PAT) — cash-trap risk
Aggressive accruals not backed by cash (Beneish M 7.7, weak CFO/PAT)
Short track record (3 yrs of data)

Quality

Growth

Safety

Value

—

India Shelter Finance Corporation Ltd scores 40/100 (Caution) on the Orion Score — weak business quality (49), strong growth (94) and poor balance-sheet safety (27). A fundamentals-based quality & risk score, not a buy/sell recommendation.

Full Orion analysis

Risk checks

Profit not converting to cash (CFO -3.6x PAT) — cash-trap risk
Aggressive accruals not backed by cash (Beneish M 7.7, weak CFO/PAT)
Short track record (3 yrs of data)

Forensic accounting

Piotroski F 4/9Altman Z Grey(2.47)Beneish M Elevated(7.72)

Piotroski F = fundamental health (0–9, higher is better) · Altman Z = bankruptcy / distress risk · Beneish M = earnings-manipulation check

Technical / Momentum

Price Trend

44/100

Neutral

Technical momentum companion — separate from the fundamentals-based Orion Score.

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VestAI Stock Score

VALUATION

High Debt

D/E 1.95x — elevated leverage

QUALITY

Low Quality

ROCE 5.7% — poor capital efficiency

MOMENTUM

Bearish

RSI 32.9 — weak momentum

Price Chart

SMA 20

SMA 50

SMA 200

Key Fundamentals

Q4 FY2026

P/E Ratio: 16.78
ROCE: 5.66%
ROE (1Y): 17.04%
D/E Ratio: 1.95x
OPM: 41.30%
TTM EPS: ₹45.10
Dividend Yield: 66.00%
Qtrly Sales: ₹375.33 Cr
Qtrly Profit: ₹140.06 Cr

Technical Signals

Quarterly Results

Revenue & Profit in ₹ Crores

Revenue Net Profit

Quarter	Revenue	Net Profit	OPM	EPS
Q4 2026	₹375.33	₹140.06	41.3%	₹12.53
Q3 2026	₹346.65	₹124.07	37.4%	₹11.02
Q1 2026	₹323.8	₹119.45	39.5%	₹10.68
Q4 2025	₹305.87	₹107.92	39.6%	₹9.65
Q3 2025	₹274.41	₹96.14	37.6%	₹8.64

Annual P&L

Revenue & Profit in ₹ Crores (Yearly)

Revenue Net Profit

Year	Revenue	Net Profit	EBITDA	OPM
FY 2026	₹1,377.88	₹505.06	₹555.39	39.4%
FY 2025	₹1,056.83	₹377.05	₹408.14	37.5%
FY 2024	₹681.96	₹247.6	₹331.25	24.5%
FY 2023	₹496.63	₹155.34	₹211.69	22.6%

Peer Comparison — Financial Services

Top companies in the same sector by market cap

Company	Mkt Cap	P/E	ROCE	ROE	D/E	OPM
INDIASHLTR ★	₹8,232 Cr	16.78	5.66%	17.04%	1.95x	41.30%
ICICIBANKICICI Bank Limited	₹9,05,033 Cr	16.89	16.36%	16.36%	—	—
SBINState Bank of	₹9,02,477 Cr	10.73	15.48%	15.48%	—	—
BAJAJHFLBAJAJ HOUSING FINANCE	₹70,119 Cr	27.42	3.22%	12.06%	4.61x	31.70%
ANGELONEAngel One Limited	₹28,132 Cr	27.62	14.23%	15.53%	1.29x	31.25%
CENTRALBKCentral Bank of	₹28,086 Cr	6.16	11.56%	11.56%	—	—

Balance Sheet

All values in ₹ Crores

Metric	FY 2025	FY 2024	FY 2023	FY 2022
Total Assets	₹7,747.5	₹5,794.18	₹4,295.59	₹3,221.22
Equity	₹2,708.74	₹2,298.67	₹1,240.53	₹1,076.13
Total Debt	₹4,969.06	₹3,415.1	₹2,988.87	₹2,070.01
Cash	₹181.96	₹111.92	₹360.94	₹143.8
Net Debt	₹4,787.1	₹3,303.18	₹2,627.92	₹1,926.21
Working Capital	₹280.44	₹377	₹302.87	₹-778.1

Shareholding Pattern

Q1 FY2027

Promoter

27.57%

FII

28.45%

DII

23.27%

Public

20.71%

Quarter-over-Quarter Trend

Quarter	Promoter	FII	DII	Public
Q1 FY2027	27.57% ↓	28.45% ↑	23.27% ↑	20.71% ↓
Q3 FY2026	47.6% ↓	7.48% ↓	20.72% ↓	24.2% ↑
Q2 FY2026	47.71% ↓	8.02% ↑	21% ↑	23.27% ↓
Q1 FY2026	47.91% ↓	7.96% ↑	17.67% ↓	26.46% ↓
Q4 FY2025	47.92% ↓	6.93% ↑	18.52% ↓	26.64% ↑
Q3 FY2025	48% ↓	6.23% ↑	20.66% ↓	25.09% ↑
Q2 FY2025	48.14% ↓	5.77% ↑	21.87% ↑	24.22% ↓
Q1 FY2025	48.23%	5.16%	17.53%	29.09%

Corporate Actions

Ex-Date	Action	Details
2026-06-19	DIVIDEND	Dividend - Rs 10 Per Share

Funds Holding This Stock

30 mutual fund schemes

Groww Banking & Financial Services Fund Direct GrowthINDIABULLS

2.91%

₹2 Cr

Helios Financial Services Fund Direct GrowthHelios

1.73%

₹3 Cr

UTI Banking and Financial Services Fund Direct Plan GrowthUTI

1.46%

₹21 Cr

UTI Small Cap Fund Direct GrowthUTI

1.34%

₹70 Cr

WhiteOak Capital Quality Equity Fund Direct GrowthWHITEOAK_CAPITAL

1.14%

₹7 Cr

Groww Multicap Fund Direct GrowthINDIABULLS

1.11%

₹6 Cr

Kotak Rural Opportunities Fund Direct GrowthKOTAK_MAHINDRA

1.06%

₹8 Cr

Franklin India Large & Mid Cap Fund Direct GrowthFRANKLIN_TEMPLETON

0.94%

₹32 Cr

Edelweiss Large & Mid Cap Direct Plan GrowthEDELWEISS

0.93%

₹42 Cr

Kotak Midcap Fund Direct GrowthKOTAK_MAHINDRA

0.87%

₹560 Cr

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About India Shelter Finance Corporation Ltd (INDIASHLTR) Stock

India Shelter Finance Corporation Ltd is listed on the NSE under the Financial Services sector, Housing Finance Company industry. ISIN: INE922K01024. Track live share price, technical analysis, RSI, MACD, PE ratio, and smart money holdings on VestAI — India's AI-powered stock analysis platform.