Nifty

:

22819.60

Sensex

:

73583.22

-486.85 (-2.09%)
-1690.23 (-2.25%)

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Nifty
Sensex

:
:

22819.60
73583.22

-486.85 (-2.09%)
-1690.23 (-2.25%)

India Shelter Finance Corporation Ltd.

Finance - Housing

Rating :

74/99

BSE: 544044 | NSE: INDIASHLTR

Watchlist

NSE BSE

736.90

27-Mar-2026

Open
High
Low
Previous Close

746.05
750.85
715
753.80

Volume
Traded Value (lacs)
52 Week High
52 Week Low

264347
194169667.9
1011.75
650

Stock Summary

Market Cap(Crs)
Stock P:E
Face Value

7,986.13
16.86
5

Enterprise Value(Crs)
Dividend Yield
Price:Book Value

13,240.38
0.68%
2.63

Chart

Price | P:E | P:BV | EV:EBITDA | MCap:Sales | EPS

Revenue CAGR (%)

10 Years
5 Years
3 Years

34.42
29.77
25.87

EBITDA CAGR (%)

10 Years
5 Years
3 Years

41.32
31.27
16.29

PAT CAGR (%)

10 Years
5 Years
3 Years

46.20
34.02
34.49

P:E (Median)

8 Years
5 Years
3 Years

-
-
25.06

P:BV (Average)

8 Years
5 Years
3 Years

-
-
3.26

EV:EBITDA (Average)

8 Years
5 Years
3 Years

-
-
16.48

Earnings Forecasts:

(Updated: 28-03-2026)

Description 2024 2025 2026 2027
Adj EPS 35.1 44.7 53.72 65.07
P/E Ratio 20.99 16.49 13.72 11.32
Revenue 1164.5 1064.65 1326.7 1615.67
EBITDA 844.26
Net Income 377.05 486.45 584.95 721.48
ROA 5.58 5.2 4.88 4.73
P/B Ratio 2.94 2.53 2.15 1.83
ROE 15.07 16.55 16.92 17.43
FCFF 408.89
FCFF Yield 3.19
Net Debt 4639.98
BVPS 250.87 291.75 343.35 402.8

Quarterly Results

Consolidated Figures in Rs. Crores /

Standalone

Description Dec 25 Dec 24 Var% Sep 25 Sep 24 Var% Jun 25 Jun 24 Var% Mar 25 Mar 24 Var%
Net Sales 389.50 303.96 28.14% 368.91 282.28 30.69% 360.93 251.27 43.64% 326.99 234.49 39.45%
Expenses 112.95 85.00 32.88% 98.34 78.83 24.75% 96.83 73.19 32.30% 83.23 66.94 24.34%
EBITDA 276.56 218.96 26.31% 270.57 203.46 32.98% 264.10 178.08 48.30% 243.76 167.55 45.48%
EBIDTM 71.00% 72.04% 73.34% 72.08% 73.17% 70.87% 74.55% 71.45%
Other Income 0.02 0.15 -86.67% 0.04 0.84 -95.24% 0.10 9.18 -98.91% 0.13 9.66 -98.65%
Interest 113.53 92.03 23.36% 109.63 84.61 29.57% 106.45 76.64 38.90% 101.59 74.67 36.05%
Depreciation 3.31 2.99 10.70% 3.19 2.81 13.52% 2.78 2.82 -1.42% 2.98 3.12 -4.49%
PBT 159.75 124.09 28.74% 157.79 116.88 35.00% 154.96 107.80 43.75% 139.31 99.42 40.12%
Tax 35.81 28.16 27.17% 35.96 27.01 33.14% 35.73 24.47 46.02% 31.40 21.67 44.90%
PAT 123.94 95.93 29.20% 121.83 89.87 35.56% 119.23 83.33 43.08% 107.92 77.75 38.80%
PATM 31.82% 31.56% 33.02% 31.84% 33.04% 33.16% 33.00% 33.15%
EPS 11.41 8.83 29.22% 11.22 8.28 35.51% 10.98 7.67 43.16% 9.94 7.16 38.83%

Description Dec 25 Dec 24 Var% Sep 25 Sep 24 Var% Jun 25 Jun 24 Var% Mar 25 Mar 24 Var%
Net Sales 389.74 304.25 28.10% 369.21 282.56 30.67% 361.22 251.54 43.60% 327.29 234.76 39.41%
Expenses 112.98 85.01 32.90% 98.34 78.83 24.75% 96.83 73.19 32.30% 83.24 66.96 24.31%
EBITDA 276.76 219.24 26.24% 270.86 203.73 32.95% 264.38 178.35 48.24% 244.05 167.80 45.44%
EBIDTM 71.01% 72.06% 73.36% 72.10% 73.19% 70.90% 74.57% 71.48%
Other Income 0.02 0.15 -86.67% 0.03 0.84 -96.43% 0.09 9.17 -99.02% 0.13 9.66 -98.65%
Interest 113.53 92.03 23.36% 109.63 84.61 29.57% 106.45 76.64 38.90% 101.59 74.67 36.05%
Depreciation 3.31 2.99 10.70% 3.19 2.81 13.52% 2.78 2.82 -1.42% 2.98 3.12 -4.49%
PBT 159.94 124.37 28.60% 158.07 117.16 34.92% 155.24 108.07 43.65% 139.60 99.66 40.08%
Tax 35.88 28.23 27.10% 36.03 27.08 33.05% 35.79 24.54 45.84% 31.47 21.74 44.76%
PAT 124.07 96.14 29.05% 122.04 90.08 35.48% 119.45 83.53 43.00% 108.13 77.93 38.75%
PATM 31.83% 31.60% 33.06% 31.88% 33.07% 33.21% 33.04% 33.19%
EPS 11.42 8.92 28.03% 11.26 8.39 34.21% 11.07 7.80 41.92% 10.02 7.28 37.64%

Annual Results

Standalone Figures in Rs. Crores /

Consolidated

Right to Left

Description TTM Mar 25 Mar 24 Mar 23 Mar 22 Mar 21 Mar 20 Mar 19 Mar 18 Mar 17 Mar 16
Net Sales 1,446.33 1,164.50 828.61 583.91 447.98 316.71 229.08 172.09 130.16 89.63 60.47 Net Sales Growth 34.92% 40.54% 41.91% 30.34% 41.45% 38.25% 33.12% 32.21% 45.22% 48.22% Cost Of Goods Sold 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Gross Profit 1,446.33 1,164.50 828.61 583.91 447.98 316.71 229.08 172.09 130.16 89.63 60.47 GP Margin 100.00% 100% 100% 100% 100% 100% 100% 100% 100% 100% 100% Total Expenditure 391.35 311.00 238.66 182.65 134.83 97.42 84.35 83.04 57.66 38.05 33.61 Power & Fuel Cost - 2.31 1.76 1.38 0.89 0.56 0.83 0.73 0.65 0.45 0.27 % Of Sales - 0.20% 0.21% 0.24% 0.20% 0.18% 0.36% 0.42% 0.50% 0.50% 0.45% Employee Cost - 229.08 179.43 134.56 101.31 61.69 50.38 42.96 30.23 19.99 17.80 % Of Sales - 19.67% 21.65% 23.04% 22.61% 19.48% 21.99% 24.96% 23.23% 22.30% 29.44% Manufacturing Exp. - 26.31 18.02 12.29 9.67 7.92 8.31 12.77 8.08 5.47 4.06 % Of Sales - 2.26% 2.17% 2.10% 2.16% 2.50% 3.63% 7.42% 6.21% 6.10% 6.71% General & Admin Exp. - 23.92 17.81 19.13 9.96 6.68 12.77 23.00 16.04 10.24 10.29 % Of Sales - 2.05% 2.15% 3.28% 2.22% 2.11% 5.57% 13.37% 12.32% 11.42% 17.02% Selling & Distn. Exp. - 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 % Of Sales - 0% 0% 0% 0% 0% 0% 0% 0% 0% 0% Miscellaneous Exp. - 31.68 23.41 16.67 13.89 21.13 12.89 4.31 3.32 2.36 0.00 % Of Sales - 2.72% 2.83% 2.85% 3.10% 6.67% 5.63% 2.50% 2.55% 2.63% 2.41% EBITDA 1,054.99 853.50 589.95 401.26 313.15 219.29 144.73 89.05 72.50 51.58 26.86 EBITDA Margin 72.94% 73.29% 71.20% 68.72% 69.90% 69.24% 63.18% 51.75% 55.70% 57.55% 44.42% Other Income 0.29 10.30 32.33 21.71 11.83 6.09 0.83 0.00 0.01 3.58 3.40 Interest 431.20 364.12 294.16 213.31 151.53 107.33 75.86 49.29 39.44 22.77 18.88 Depreciation 12.26 11.60 9.91 8.20 6.54 5.10 5.87 2.10 1.49 0.80 0.53 PBT 611.81 488.09 318.21 201.47 166.90 112.96 63.84 37.66 31.57 31.59 10.86 Tax 138.90 111.04 71.34 46.49 38.45 25.57 16.93 9.72 9.16 11.08 2.41 Tax Rate 22.70% 22.75% 22.42% 23.08% 23.04% 22.64% 26.52% 25.81% 29.01% 35.07% 22.19% PAT 472.92 377.05 246.87 154.98 128.45 87.39 46.91 27.93 22.41 20.52 8.45 PAT before Minority Interest 472.92 377.05 246.87 154.98 128.45 87.39 46.91 27.93 22.41 20.52 8.45 Minority Interest 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 PAT Margin 32.70% 32.38% 29.79% 26.54% 28.67% 27.59% 20.48% 16.23% 17.22% 22.89% 13.97% PAT Growth 36.34% 52.73% 59.29% 20.65% 46.98% 86.29% 67.96% 24.63% 9.21% 142.84% EPS 43.55 34.72 22.73 14.27 11.83 8.05 4.32 2.57 2.06 1.89 0.78

Description TTM Mar 25 Mar 24 Mar 23 Mar 22 Mar 21
Net Sales 1,447.46 1,165.64 829.62 584.53 447.98 316.71 Net Sales Growth 34.88% 40.50% 41.93% 30.48% 41.45% Cost Of Goods Sold 0.01 0.00 0.00 0.00 0.00 0.00 Gross Profit 1,447.45 1,165.64 829.62 584.53 447.98 316.71 GP Margin 100.00% 100% 100% 100% 100% 100% Total Expenditure 391.39 311.02 238.68 182.76 134.83 97.42 Power & Fuel Cost - 2.31 1.76 1.38 0.89 0.56 % Of Sales - 0.20% 0.21% 0.24% 0.20% 0.18% Employee Cost - 229.08 179.43 134.56 101.31 61.96 % Of Sales - 19.65% 21.63% 23.02% 22.61% 19.56% Manufacturing Exp. - 26.31 18.02 12.29 9.67 7.36 % Of Sales - 2.26% 2.17% 2.10% 2.16% 2.32% General & Admin Exp. - 23.94 17.83 19.14 9.96 6.91 % Of Sales - 2.05% 2.15% 3.27% 2.22% 2.18% Selling & Distn. Exp. - 0.00 0.00 0.00 0.00 0.00 % Of Sales - 0% 0% 0% 0% 0% Miscellaneous Exp. - 31.69 23.41 16.77 13.89 21.18 % Of Sales - 2.72% 2.82% 2.87% 3.10% 6.69% EBITDA 1,056.05 854.62 590.94 401.77 313.15 219.29 EBITDA Margin 72.96% 73.32% 71.23% 68.73% 69.90% 69.24% Other Income 0.27 10.29 32.32 21.70 11.83 6.09 Interest 431.20 364.12 294.16 213.31 151.53 107.33 Depreciation 12.26 11.60 9.91 8.20 6.54 5.10 PBT 612.85 489.19 319.18 201.95 166.90 112.96 Tax 139.17 111.32 71.59 46.61 38.45 25.57 Tax Rate 22.71% 22.76% 22.43% 23.08% 23.04% 22.64% PAT 473.69 377.87 247.60 155.34 128.45 87.39 PAT before Minority Interest 473.69 377.87 247.60 155.34 128.45 87.39 Minority Interest 0.00 0.00 0.00 0.00 0.00 0.00 PAT Margin 32.73% 32.42% 29.84% 26.58% 28.67% 27.59% PAT Growth 36.24% 52.61% 59.39% 20.93% 46.98% EPS 43.62 34.79 22.80 14.30 11.83 8.05

Results Balance Sheet

Standalone Figures in Rs. Crores /

Consolidated

Right to Left

Description Mar 25 Mar 24 Mar 23 Mar 22 Mar 21 Mar 20 Mar 19 Mar 18 Mar 17 Mar 16
Shareholder's Funds 2,706.82 2,297.58 1,240.16 1,076.13 937.27 848.28 793.57 563.96 351.15 263.29 Share Capital 53.95 53.53 43.76 43.71 42.98 42.83 42.40 35.92 30.31 26.09 Total Reserves 2,627.40 2,227.62 1,179.79 1,024.08 888.79 801.56 748.33 525.62 320.84 237.20 Non-Current Liabilities 3,878.67 2,647.62 2,262.88 1,575.03 1,136.56 796.58 49.64 29.63 213.28 106.84 Secured Loans 3,883.63 2,649.45 2,262.13 1,573.70 1,143.15 761.49 0.00 0.00 206.16 103.50 Unsecured Loans 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Long Term Provisions 1.27 1.22 3.76 4.29 2.75 45.15 26.64 14.53 6.45 3.74 Current Liabilities 1,153.85 844.83 789.08 567.11 379.48 185.81 531.25 357.13 49.34 40.01 Trade Payables 9.02 4.99 6.14 4.59 4.63 4.07 3.87 1.85 1.94 1.85 Other Current Liabilities 56.29 72.61 54.67 61.04 25.86 8.02 19.66 9.08 7.90 6.70 Short Term Borrowings 1,085.42 765.65 726.74 496.31 348.14 173.11 507.72 346.19 39.24 31.27 Short Term Provisions 3.12 1.58 1.53 5.17 0.85 0.60 0.00 0.00 0.25 0.19 Total Liabilities 7,739.34 5,790.03 4,292.12 3,218.27 2,453.31 1,830.67 1,374.46 950.72 613.77 410.14 Net Block 29.36 29.81 24.32 17.04 15.11 17.85 6.63 4.88 2.64 1.46 Gross Block 67.02 57.34 46.84 34.82 29.31 29.11 12.13 8.41 4.69 2.81 Accumulated Depreciation 37.65 27.53 22.53 17.78 14.20 11.26 5.50 3.52 2.05 1.35 Non Current Assets 7,148.52 5,217.58 3,728.07 2,690.06 2,039.90 1,556.63 1,191.26 791.68 535.28 373.17 Capital Work in Progress 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Non Current Investment 126.55 12.00 12.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Long Term Loans & Adv. 0.00 0.00 0.00 0.00 0.04 45.19 38.11 19.22 2.05 1.47 Other Non Current Assets 133.12 113.37 82.61 50.50 43.59 18.45 5.90 0.76 5.22 5.99 Current Assets 584.91 566.08 557.59 524.84 409.92 271.52 183.20 159.04 78.50 36.97 Current Investments 200.72 157.80 46.93 175.32 0.00 93.86 79.77 40.81 0.00 0.00 Inventories 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Sundry Debtors 0.38 0.00 0.00 0.00 0.00 0.00 1.54 3.08 0.34 0.22 Cash & Bank 311.41 331.69 467.18 321.70 393.72 167.24 79.94 101.58 77.84 34.95 Other Current Assets 72.39 61.75 43.48 27.82 16.20 10.41 21.95 13.58 0.32 1.80 Short Term Loans & Adv. 3.58 14.84 0.00 0.00 0.00 1.85 9.20 1.13 0.00 0.00 Net Current Assets -568.94 -278.75 -231.49 -42.27 30.45 85.71 -348.05 -198.09 29.16 -3.05 Total Assets 7,733.43 5,783.66 4,285.66 3,214.90 2,449.82 1,828.15 1,374.46 950.72 613.78 410.14

Description Mar 25 Mar 24 Mar 23 Mar 22 Mar 21
Shareholder's Funds 2,708.74 2,298.67 1,240.53 1,076.13 937.27 Share Capital 53.95 53.53 43.76 43.71 42.98 Total Reserves 2,629.31 2,228.71 1,180.15 1,024.08 888.79 Non-Current Liabilities 3,878.65 2,647.61 2,274.68 1,575.03 1,136.56 Secured Loans 3,883.63 2,649.45 2,273.95 1,573.69 1,143.15 Unsecured Loans 0.00 0.00 0.00 0.00 0.00 Long Term Provisions 1.27 1.22 3.76 4.29 2.75 Current Liabilities 1,153.86 844.84 777.35 567.11 379.48 Trade Payables 9.03 5.00 6.15 4.59 4.63 Other Current Liabilities 56.29 72.61 54.67 61.04 25.86 Short Term Borrowings 1,085.42 765.65 714.92 496.31 348.14 Short Term Provisions 3.12 1.58 1.61 5.17 0.85 Total Liabilities 7,741.25 5,791.12 4,292.56 3,218.27 2,453.31 Net Block 29.36 29.81 24.32 17.04 15.11 Gross Block 67.02 57.34 46.84 34.82 29.31 Accumulated Depreciation 37.65 27.53 22.53 17.78 14.20 Non Current Assets 7,147.85 5,205.58 3,716.07 2,690.07 2,039.90 Capital Work in Progress 0.00 0.00 0.00 0.00 0.00 Non Current Investment 114.55 0.00 0.00 0.00 0.00 Long Term Loans & Adv. 0.00 0.00 0.00 0.00 0.04 Other Non Current Assets 144.46 113.37 82.61 50.50 43.59 Current Assets 587.49 579.17 570.03 524.84 409.92 Current Investments 200.72 157.80 46.93 175.32 0.00 Inventories 0.00 0.00 0.00 0.00 0.00 Sundry Debtors 0.38 0.00 0.00 0.00 0.00 Cash & Bank 314.01 344.78 479.64 321.70 393.72 Other Current Assets 72.38 61.76 43.47 27.82 16.20 Short Term Loans & Adv. 3.55 14.83 0.00 0.00 0.00 Net Current Assets -566.37 -265.67 -207.32 -42.27 30.45 Total Assets 7,735.34 5,784.75 4,286.10 3,214.91 2,449.82

Cash Flow

Standalone Figures in Rs. Crores /

Consolidated

Right to Left

Description Mar 25 Mar 24 Mar 23 Mar 22
Cash From Operating Activity -1,435.61 -1,232.97 -852.63 -495.28 PBT 488.09 318.21 201.47 166.90 Adjustment 16.47 29.26 25.88 -20.86 Changes in Working Capital -1,836.81 -1,505.68 -1,029.91 -613.84 Cash after chg. in Working capital -1,332.25 -1,158.21 -802.57 -467.81 Interest Paid 0.00 0.00 0.00 0.00 Tax Paid -103.36 -74.76 -50.06 -27.48 Other Direct Exp. Paid 0.00 0.00 0.00 0.00 Extra & Other Items 0.00 0.00 0.00 0.00 Cash From Investing Activity -60.58 -233.30 160.54 -185.78 Net Fixed Assets -9.68 -10.50 -12.02 Net Investments -157.47 -110.87 116.39 Others 106.57 -111.93 56.17 Cash from Financing Activity 1,566.19 1,219.58 906.83 591.77 Net Cash Inflow / Outflow 70.00 -246.68 214.74 -89.29 Opening Cash & Equivalents 111.85 358.54 143.80 233.09 Closing Cash & Equivalent 181.85 111.85 358.54 143.80

Description Mar 25 Mar 24 Mar 23 Mar 22
Cash From Operating Activity -1,434.77 -1,232.33 -852.18 -495.28 PBT 489.19 319.18 201.95 166.90 Adjustment 16.47 29.26 25.88 -20.86 Changes in Working Capital -1,836.82 -1,505.70 -1,029.89 -613.84 Cash after chg. in Working capital -1,331.16 -1,157.26 -802.06 -467.80 Interest Paid 0.00 0.00 0.00 0.00 Tax Paid -103.61 -75.07 -50.12 -27.48 Other Direct Exp. Paid 0.00 0.00 0.00 0.00 Extra & Other Items 0.00 0.00 0.00 0.00 Cash From Investing Activity -61.38 -236.28 162.50 -185.78 Net Fixed Assets -9.68 -10.50 -12.02 Net Investments -157.47 -110.87 116.39 Others 105.77 -114.91 58.13 Cash from Financing Activity 1,566.19 1,219.58 906.83 591.77 Net Cash Inflow / Outflow 70.04 -249.03 217.14 -89.29 Opening Cash & Equivalents 111.92 360.94 143.80 233.09 Closing Cash & Equivalent 181.96 111.92 360.94 143.80

Financial Ratios

Standalone /

Consolidated

Right to Left

Description Mar 25 Mar 24 Mar 23 Mar 22
Book Value (Rs.) 248.51 213.09 279.58 244.31 ROA 5.57% 4.90% 4.13% 4.53% ROE 15.20% 14.09% 13.53% 12.85% ROCE 12.73% 12.32% 11.25% 11.42% Fixed Asset Turnover 18.73 15.91 14.30 13.97 Receivable days 0.12 0.00 0.00 0.00 Inventory Days 0.00 0.00 0.00 0.00 Payable days 0.00 0.00 0.00 0.00 Cash Conversion Cycle 0.12 0.00 0.00 0.00 Total Debt/Equity 1.85 1.50 2.44 1.94 Interest Cover 2.34 2.08 1.94 2.10

Description Mar 25 Mar 24 Mar 23 Mar 22
Book Value (Rs.) 248.69 213.19 279.66 244.31 ROA 5.58% 4.91% 4.14% 4.53% ROE 15.22% 14.12% 13.56% 12.85% ROCE 12.74% 12.34% 11.26% 11.42% Fixed Asset Turnover 18.75 15.93 14.32 13.97 Receivable days 0.12 0.00 0.00 0.00 Inventory Days 0.00 0.00 0.00 0.00 Payable days 0.00 0.00 0.00 0.00 Cash Conversion Cycle 0.12 0.00 0.00 0.00 Total Debt/Equity 1.85 1.50 2.44 1.94 Interest Cover 2.34 2.09 1.95 2.10

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Annual Reports:

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Source: www.accordfintech.com | DISCLAIMER: Information is provided " as is" and solely for informational purposes, not for trading purposes or advice, and may be delayed.

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