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India Shelter Finance Corporation (INDIASHLTR)₹631.15−0.37%Housing Finance Company
In the Jun 2026 quarter (standalone), India Shelter Finance Corporation reported revenue of ₹433 Cr, up 19.6% from Jun 2025, and net profit of ₹143 Cr, up 20.3% year on year. For the year to Mar 2026, revenue were ₹1,533 Cr and net profit ₹505 Cr.
Company filings, standalone accounts; latest reported quarter Jun 2026
| Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 | Jun 2026 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 205 | 210 | 235 | 252 | 283 | 305 | 328 | 362 | 370 | 391 | 412 | 433 |
| Interest | 72.08 | 74.15 | 75.08 | 77.16 | 85.18 | 92.13 | 102 | 106 | 110 | 114 | 115 | 121 |
| Net interest income | 132 | 135 | 160 | 175 | 198 | 213 | 226 | 256 | 260 | 277 | 297 | 312 |
| Expenses | 58.81 | 60.78 | 66.76 | 72.72 | 78.68 | 84.67 | 82.70 | 96.62 | 97.63 | 113 | 110 | 122 |
| Financing Profit | 73.34 | 74.32 | 93.32 | 101 | 119 | 128 | 143 | 159 | 162 | 164 | 187 | 189 |
| Financing Margin % | 36.0% | 34.9% | 39.9% | 39.9% | 42.0% | 41.9% | 43.0% | 43.9% | 44.0% | 42.0% | 44.9% | 44.0% |
| Other Income | 6.99 | 9.98 | 9.99 | 8.97 | 0.99 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Depreciation | 2.01 | 2.01 | 3.01 | 3.01 | 3.01 | 3.01 | 3.01 | 3.01 | 3.01 | 3.01 | 3.01 | 3.01 |
| Profit before tax | 77.09 | 81.10 | 99.01 | 108 | 117 | 124 | 139 | 155 | 158 | 160 | 182 | 185 |
| Tax % | 22.0% | 23.1% | 22.0% | 23.0% | 23.0% | 23.1% | 23.0% | 23.0% | 23.0% | 22.0% | 23.0% | 23.0% |
| Net Profit | 59.97 | 61.99 | 78.05 | 82.94 | 89.96 | 96.01 | 108 | 119 | 122 | 124 | 140 | 143 |
| EPS (Rs) | 6.65 | 5.78 | 7.24 | 7.75 | 8.35 | 8.89 | 9.97 | 11.01 | 11.21 | 11.38 | 12.85 | 13.10 |
| Gross NPA % | — | 1.2% | 1.0% | 1.1% | 1.2% | 1.3% | 1.0% | 1.2% | 1.3% | 1.5% | 1.3% | — |
| Net NPA % | — | 0.9% | 0.7% | 0.9% | 0.9% | 0.9% | 0.8% | 1.0% | 0.9% | 1.2% | 0.9% | — |
| Provision coverage (approx., excl. write-offs) % | — | 25.0% | 24.7% | 24.6% | 24.2% | 24.8% | 24.2% | 23.4% | 24.8% | 24.7% | 25.6% | — |
| Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | TTM | |
|---|---|---|---|---|---|---|---|---|---|
| Revenue | 173 | 231 | 318 | 449 | 586 | 832 | 1,169 | 1,533 | 1,606 |
| Interest | 49.11 | 76.09 | 106 | 149 | 211 | 289 | 357 | 447 | 461 |
| Net interest income | 123 | 155 | 212 | 300 | 374 | 543 | 812 | 1,087 | 1,145 |
| Expenses | 82.69 | 83.65 | 98.57 | 138 | 184 | 242 | 318 | 415 | 442 |
| Financing Profit | 40.14 | 70.22 | 113 | 163 | 189 | 298 | 492 | 671 | 701 |
| Financing Margin % | 23.0% | 29.9% | 34.9% | 35.9% | 32.0% | 35.9% | 42.0% | 43.9% | 43.6% |
| Other Income | 0.00 | 0.00 | 5.98 | 11.98 | 21.95 | 31.96 | 9.98 | 0.00 | 0.00 |
| Depreciation | 2.01 | 6.02 | 5.02 | 7.02 | 8.04 | 10.05 | 12.05 | 12.05 | 12.04 |
| Profit before tax | 38.04 | 64.04 | 113 | 167 | 201 | 318 | 488 | 655 | 685 |
| Tax % | 26.0% | 27.0% | 23.0% | 23.0% | 23.0% | 22.0% | 23.0% | 23.0% | — |
| Net Profit | 28.01 | 46.97 | 86.95 | 128 | 155 | 247 | 377 | 505 | 529 |
| EPS (Rs) | 6.57 | 10.92 | 20.29 | 29.29 | 35.23 | 23.00 | 34.85 | 46.33 | 48.54 |
| Dividend payout % | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 13.9% | 21.9% | — |
| Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|---|---|---|---|---|
| Equity Capital | 42.15 | 43.10 | 43.14 | 44.10 | 44.07 | 54.17 | 54.24 | 54.14 |
| Reserves | 754 | 807 | 897 | 1,035 | 1,199 | 2,251 | 2,665 | 3,153 |
| Borrowings | 510 | 692 | 1,497 | 2,079 | 3,001 | 3,429 | 4,992 | 6,272 |
| Other Liabilities | 61.30 | 263 | 41.21 | 75.36 | 66.32 | 80.38 | 70.33 | 172 |
| Total Liabilities | 1,368 | 1,805 | 2,480 | 3,233 | 4,310 | 5,815 | 7,782 | 9,652 |
| Fixed Assets | 6.99 | 17.99 | 15.01 | 16.99 | 24.01 | 30.01 | 29.03 | 29.01 |
| CWIP | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Investments | 80.17 | 94.20 | 0.00 | 176 | 59.19 | 171 | 328 | 396 |
| Other Assets | 1,281 | 1,693 | 2,465 | 3,040 | 4,227 | 5,614 | 7,424 | 9,227 |
| Trade receivables | 2.01 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 5.01 |
| Cash & equivalents | 79.77 | 181 | 412 | 329 | 494 | 364 | 328 | 304 |
| Total Assets | 1,368 | 1,805 | 2,480 | 3,233 | 4,310 | 5,815 | 7,782 | 9,652 |
| Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|---|---|---|---|---|---|
| Cash from operating activity | — | −342 | −292 | −422 | −496 | −854 | −1,235 | −1,439 | −1,184 |
| Cash from investing activity | — | 25.95 | −150 | 76.78 | 0.99 | 161 | −233 | −60.82 | −107 |
| Cash from financing activity | — | 343 | 393 | 558 | 590 | 903 | 1,215 | 1,561 | 1,234 |
| Net cash flow | — | 27.92 | −45.94 | 215 | 96.82 | 215 | −247 | 69.85 | −51.86 |
| Capex | 3.99 | 3.99 | 0.99 | 1.99 | 4.99 | 5.98 | 5.98 | 8.97 | 10.96 |
| Free cash flow | — | −345 | −293 | −423 | −500 | −859 | −1,239 | −1,445 | −1,195 |
| CFO / OP % | — | −372.0% | −188.1% | −184.0% | −151.0% | −201.0% | −198.0% | −158.0% | −94.0% |
| Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|---|---|---|---|---|
| ROE % | 4.0% | 6.0% | 10.0% | 13.1% | 13.1% | 14.0% | 15.0% | 17.0% |
For the Jun 2026 quarter, India Shelter Finance Corporation reported revenue of ₹433 Cr, up 19.6% year on year and net profit of ₹143 Cr, up 20.3% year on year.
India Shelter Finance Corporation's revenue for the year to Mar 2026 were ₹1,533 Cr; over the last twelve months they were ₹1,606 Cr.
Net profit for the year to Mar 2026 was ₹505 Cr, and ₹529 Cr over the last twelve months. Earnings per share over the same trailing period were ₹48.54.
Cash from operations was −₹1,184 Cr in the year to Mar 2026; after capital spending, free cash flow was −₹1,195 Cr.