Nifty

:

25492.30

Sensex

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83216.28

-17.40 (-0.07%)
-94.73 (-0.11%)

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Nifty
Sensex

:
:

25492.30
83216.28

-17.40 (-0.07%)
-94.73 (-0.11%)

India Shelter Finance Corporation Ltd.

Finance - Housing

Rating :

75/99

BSE: 544044 | NSE: INDIASHLTR

Watchlist

NSE BSE

873.25

07-Nov-2025

Open
High
Low
Previous Close

846.05
887.9
835
845.95

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

263174
225192288.5
1011.75
607

Stock Summary

Market Cap(Crs)
Stock P:E
Face Value

9,472.10
21.25
5

Enterprise Value(Crs)
Dividend Yield
Price:Book Value

14,726.34
0.57%
3.25

Chart

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

Revenue CAGR (%)

10 Years
5 Years
3 Years

-
-
25.87

EBITDA CAGR (%)

10 Years
5 Years
3 Years

-
-
16.29

PAT CAGR (%)

10 Years
5 Years
3 Years

-
-
34.49

P:E (Median)

8 Years
5 Years
3 Years

-
-
-

P:BV (Average)

8 Years
5 Years
3 Years

-
-
-

EV:EBITDA (Average)

8 Years
5 Years
3 Years

-
-
-

Earnings Forecasts:

(Updated: 01-11-2025)

Description 2024 2025 2026 2027
Adj EPS 35.1 44.55 54.53 65.33
P/E Ratio 24.88 19.60 16.01 13.37
Revenue 1164.5 1053.2 1325.73 1611.3
EBITDA 844.26
Net Income 377.05 483.05 586.77 719.53
ROA 5.58 5.22 4.78 4.5
P/B Ratio 3.48 3.01 2.55 2.16
ROE 15.07 16.46 17.11 17.4
FCFF 408.89
FCFF Yield 2.85
Net Debt 4639.98
BVPS 250.87 290.23 341.99 404.23

Quarterly Results

Consolidated Figures in Rs. Crores /

Standalone

Description Sep 25 Sep 24 Var% Jun 25 Jun 24 Var% Mar 25 Mar 24 Var% Dec 24 Dec 23 Var%
Net Sales 368.91 282.28 30.69% 360.93 251.27 43.64% 326.99 234.49 39.45% 303.96 208.62 45.70%
Expenses 98.34 78.83 24.75% 96.83 73.19 32.30% 83.23 66.94 24.34% 85.00 60.67 40.10%
EBITDA 270.57 203.46 32.98% 264.10 178.08 48.30% 243.76 167.55 45.48% 218.96 147.96 47.99%
EBIDTM 73.34% 72.08% 73.17% 70.87% 74.55% 71.45% 72.04% 70.92%
Other Income 0.04 0.84 -95.24% 0.10 9.18 -98.91% 0.13 9.66 -98.65% 0.15 9.51 -98.42%
Interest 109.63 84.61 29.57% 106.45 76.64 38.90% 101.59 74.67 36.05% 92.03 74.10 24.20%
Depreciation 3.19 2.81 13.52% 2.78 2.82 -1.42% 2.98 3.12 -4.49% 2.99 2.45 22.04%
PBT 157.79 116.88 35.00% 154.96 107.80 43.75% 139.31 99.42 40.12% 124.09 80.92 53.35%
Tax 35.96 27.01 33.14% 35.73 24.47 46.02% 31.40 21.67 44.90% 28.16 18.78 49.95%
PAT 121.83 89.87 35.56% 119.23 83.33 43.08% 107.92 77.75 38.80% 95.93 62.13 54.40%
PATM 33.02% 31.84% 33.04% 33.16% 33.00% 33.15% 31.56% 29.78%
EPS 11.24 8.29 35.59% 11.00 7.69 43.04% 9.96 7.17 38.91% 8.85 5.73 54.45%

Description Sep 25 Sep 24 Var% Jun 25 Jun 24 Var% Mar 25 Mar 24 Var% Dec 24 Dec 23 Var%
Net Sales 369.21 282.56 30.67% 361.22 251.54 43.60% 327.29 234.76 39.41% 304.25 208.87 45.66%
Expenses 98.34 78.83 24.75% 96.83 73.19 32.30% 83.24 66.96 24.31% 85.01 60.67 40.12%
EBITDA 270.86 203.73 32.95% 264.38 178.35 48.24% 244.05 167.80 45.44% 219.24 148.20 47.94%
EBIDTM 73.36% 72.10% 73.19% 70.90% 74.57% 71.48% 72.06% 70.95%
Other Income 0.03 0.84 -96.43% 0.09 9.17 -99.02% 0.13 9.66 -98.65% 0.15 9.51 -98.42%
Interest 109.63 84.61 29.57% 106.45 76.64 38.90% 101.59 74.67 36.05% 92.03 74.10 24.20%
Depreciation 3.19 2.81 13.52% 2.78 2.82 -1.42% 2.98 3.12 -4.49% 2.99 2.45 22.04%
PBT 158.07 117.16 34.92% 155.24 108.07 43.65% 139.60 99.66 40.08% 124.37 81.16 53.24%
Tax 36.03 27.08 33.05% 35.79 24.54 45.84% 31.47 21.74 44.76% 28.23 18.84 49.84%
PAT 122.04 90.08 35.48% 119.45 83.53 43.00% 108.13 77.93 38.75% 96.14 62.31 54.29%
PATM 33.06% 31.88% 33.07% 33.21% 33.04% 33.19% 31.60% 29.83%
EPS 11.26 8.39 34.21% 11.07 7.80 41.92% 10.02 7.28 37.64% 8.92 11.64 -23.37%

Annual Results

Standalone Figures in Rs. Crores /

Consolidated

Right to Left

Description TTM Mar 25 Mar 24 Mar 23 Mar 22
Net Sales 1,360.79 1,164.50 828.61 583.91 447.98 Net Sales Growth 39.33% 40.54% 41.91% 30.34% Cost Of Goods Sold 0.00 0.00 0.00 0.00 0.00 Gross Profit 1,360.79 1,164.50 828.61 583.91 447.98 GP Margin 100.00% 100% 100% 100% 100% Total Expenditure 363.40 311.00 238.66 182.65 134.83 Power & Fuel Cost - 2.31 1.76 1.38 0.89 % Of Sales - 0.20% 0.21% 0.24% 0.20% Employee Cost - 229.08 179.43 134.56 101.31 % Of Sales - 19.67% 21.65% 23.04% 22.61% Manufacturing Exp. - 26.31 18.02 12.29 9.67 % Of Sales - 2.26% 2.17% 2.10% 2.16% General & Admin Exp. - 23.92 17.81 19.13 9.96 % Of Sales - 2.05% 2.15% 3.28% 2.22% Selling & Distn. Exp. - 0.00 0.00 0.00 0.00 % Of Sales - 0% 0% 0% 0% Miscellaneous Exp. - 31.68 23.41 16.67 13.89 % Of Sales - 2.72% 2.83% 2.85% 3.10% EBITDA 997.39 853.50 589.95 401.26 313.15 EBITDA Margin 73.29% 73.29% 71.20% 68.72% 69.90% Other Income 0.42 10.30 32.33 21.71 11.83 Interest 409.70 364.12 294.16 213.31 151.53 Depreciation 11.94 11.60 9.91 8.20 6.54 PBT 576.15 488.09 318.21 201.47 166.90 Tax 131.25 111.04 71.34 46.49 38.45 Tax Rate 22.78% 22.75% 22.42% 23.08% 23.04% PAT 444.91 377.05 246.87 154.98 128.45 PAT before Minority Interest 444.91 377.05 246.87 154.98 128.45 Minority Interest 0.00 0.00 0.00 0.00 0.00 PAT Margin 32.69% 32.38% 29.79% 26.54% 28.67% PAT Growth 42.11% 52.73% 59.29% 20.65% EPS 41.04 34.78 22.77 14.30 11.85

Description TTM Mar 25 Mar 24 Mar 23 Mar 22
Net Sales 1,361.97 1,165.64 829.62 584.53 447.98 Net Sales Growth 39.30% 40.50% 41.93% 30.48% Cost Of Goods Sold 0.01 0.00 0.00 0.00 0.00 Gross Profit 1,361.96 1,165.64 829.62 584.53 447.98 GP Margin 100.00% 100% 100% 100% 100% Total Expenditure 363.42 311.02 238.68 182.76 134.83 Power & Fuel Cost - 2.31 1.76 1.38 0.89 % Of Sales - 0.20% 0.21% 0.24% 0.20% Employee Cost - 229.08 179.43 134.56 101.31 % Of Sales - 19.65% 21.63% 23.02% 22.61% Manufacturing Exp. - 26.31 18.02 12.29 9.67 % Of Sales - 2.26% 2.17% 2.10% 2.16% General & Admin Exp. - 23.94 17.83 19.14 9.96 % Of Sales - 2.05% 2.15% 3.27% 2.22% Selling & Distn. Exp. - 0.00 0.00 0.00 0.00 % Of Sales - 0% 0% 0% 0% Miscellaneous Exp. - 31.69 23.41 16.77 13.89 % Of Sales - 2.72% 2.82% 2.87% 3.10% EBITDA 998.53 854.62 590.94 401.77 313.15 EBITDA Margin 73.32% 73.32% 71.23% 68.73% 69.90% Other Income 0.40 10.29 32.32 21.70 11.83 Interest 409.70 364.12 294.16 213.31 151.53 Depreciation 11.94 11.60 9.91 8.20 6.54 PBT 577.28 489.19 319.18 201.95 166.90 Tax 131.52 111.32 71.59 46.61 38.45 Tax Rate 22.78% 22.76% 22.43% 23.08% 23.04% PAT 445.76 377.87 247.60 155.34 128.45 PAT before Minority Interest 445.76 377.87 247.60 155.34 128.45 Minority Interest 0.00 0.00 0.00 0.00 0.00 PAT Margin 32.73% 32.42% 29.84% 26.58% 28.67% PAT Growth 42.03% 52.61% 59.39% 20.93% EPS 41.12 34.86 22.84 14.33 11.85

Results Balance Sheet

Standalone Figures in Rs. Crores /

Consolidated

Right to Left

Description Mar 25 Mar 24 Mar 23 Mar 22
Shareholder's Funds 2,706.82 2,297.58 1,240.16 1,076.13 Share Capital 53.95 53.53 43.76 43.71 Total Reserves 2,627.40 2,227.62 1,179.79 1,024.08 Non-Current Liabilities 3,878.67 2,647.62 2,991.15 2,076.51 Secured Loans 3,883.63 2,649.45 2,988.87 2,070.01 Unsecured Loans 0.00 0.00 0.00 0.00 Long Term Provisions 1.27 1.22 5.29 9.46 Current Liabilities 1,153.85 844.83 60.81 65.63 Trade Payables 9.02 4.99 6.14 4.59 Other Current Liabilities 56.29 72.61 54.67 61.04 Short Term Borrowings 1,085.42 765.65 0.00 0.00 Short Term Provisions 3.12 1.58 0.00 0.00 Total Liabilities 7,739.34 5,790.03 4,292.12 3,218.27 Net Block 29.36 29.81 24.32 17.04 Gross Block 67.02 57.34 46.84 34.82 Accumulated Depreciation 37.65 27.53 22.53 17.78 Non Current Assets 7,148.52 5,217.58 36.32 17.44 Capital Work in Progress 0.00 0.00 0.00 0.00 Non Current Investment 126.55 12.00 12.00 0.00 Long Term Loans & Adv. 0.00 0.00 0.00 0.40 Other Non Current Assets 133.12 113.37 0.00 0.00 Current Assets 584.91 566.08 4,249.35 3,197.46 Current Investments 200.72 157.80 46.93 175.32 Inventories 0.00 0.00 0.00 0.00 Sundry Debtors 0.38 0.00 0.00 0.00 Cash & Bank 311.41 331.69 494.83 330.29 Other Current Assets 72.39 61.75 93.38 64.02 Short Term Loans & Adv. 3.58 14.84 3,614.21 2,627.83 Net Current Assets -568.94 -278.75 4,188.54 3,131.83 Total Assets 7,733.43 5,783.66 4,285.67 3,214.90

Description Mar 25 Mar 24 Mar 23 Mar 22
Shareholder's Funds 2,708.74 2,298.67 1,240.53 1,076.13 Share Capital 53.95 53.53 43.76 43.71 Total Reserves 2,629.31 2,228.71 1,180.15 1,024.08 Non-Current Liabilities 3,878.65 2,647.61 2,991.21 2,076.51 Secured Loans 3,883.63 2,649.45 2,988.87 2,070.01 Unsecured Loans 0.00 0.00 0.00 0.00 Long Term Provisions 1.27 1.22 5.37 9.46 Current Liabilities 1,153.86 844.84 60.82 65.63 Trade Payables 9.03 5.00 6.15 4.59 Other Current Liabilities 56.29 72.61 54.67 61.04 Short Term Borrowings 1,085.42 765.65 0.00 0.00 Short Term Provisions 3.12 1.58 0.00 0.00 Total Liabilities 7,741.25 5,791.12 4,292.56 3,218.27 Net Block 29.36 29.81 24.32 17.04 Gross Block 67.02 57.34 46.84 34.82 Accumulated Depreciation 37.65 27.53 22.53 17.78 Non Current Assets 7,147.85 5,205.58 24.32 17.44 Capital Work in Progress 0.00 0.00 0.00 0.00 Non Current Investment 114.55 0.00 0.00 0.00 Long Term Loans & Adv. 0.00 0.00 0.00 0.40 Other Non Current Assets 144.46 113.37 0.00 0.00 Current Assets 587.49 579.17 4,261.79 3,197.46 Current Investments 200.72 157.80 46.93 175.32 Inventories 0.00 0.00 0.00 0.00 Sundry Debtors 0.38 0.00 0.00 0.00 Cash & Bank 314.01 344.78 507.28 330.29 Other Current Assets 72.38 61.76 93.37 64.02 Short Term Loans & Adv. 3.55 14.83 3,614.21 2,627.83 Net Current Assets -566.37 -265.67 4,200.97 3,131.83 Total Assets 7,735.34 5,784.75 4,286.11 3,214.90

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

Top Investors:

nexus ventures iii limited

kotak mahindra trustee co ltd a/c kotak banking & financial services fund

sbi life insurance co. ltd

nexus opportunity fund ii ltd

axis mutual fund trustee limited a/c axis mutual fund a/c axis small cap fund

goldman sachs funds - goldman sachs india equity portfolio

whiteoak capital balanced advantage fund

tata multi asset allocation fund

icici prudential life insurance company limited

uti-banking and financial services fund

Annual Reports:

News Update:

India Shelter Fin. - Quarterly Results
5th Nov 2025, 00:00 AM

Read More
India Shelter Finance gets nod to raise funds up to Rs 1,000 crore through NCDs
8th Aug 2025, 11:42 AM

The Board of Directors of the Company at their meeting held on August 07, 2025 has considered and approved the same
Read More

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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