profit from every ₹100 of sales.
₹0₹100
India Shelter Finance
₹617.15-2.27% today
-28.4% in 1 year
1-year low ₹607.051-year high ₹861.35
Trading close to its lowest price of the past year.
The essentials
Four questions every investor asks, answered in one line each.
more sales each year, on average, 2023 to 2026.
0%20% a year
You pay ₹13.35 for every ₹1 of profit it makes in a year.
CheapExpensive
Not measured for banks and insurers: deposits and policy reserves count as debt, so the usual debt test says nothing about them.
Money in, money out
What India Shelter Finance sold, what it kept, and what it did with the cash.
Sales went from ₹4.97 billion in 2023 to ₹13.8 billion in 2026, with ₹5.05 billion of profit last year.
SalesProfit
India Shelter Finance vs. similar companies
India Shelter Finance grows the fastest of these 5 and is priced in the middle for its profits.
| Company | Profit from ₹100 of sales | Sales growth a year | Price per ₹1 of profit |
|---|---|---|---|
| India Shelter Finance | 13.3× · Cheap | ||
 Rocket Companies | No profit yet | ||
 LIC Housing Finance | 5.5× · Cheap | ||
 PNB Housing Finance | 12.8× · Cheap | ||
 UWM | 97.0× · Very expensive |
AI analysis
An AI analyst reads India Shelter Finance's last five years, its segments, earnings, insiders and peers, and writes the bull case, the bear case and what the price expects.
Run the AI analysisFull statementsIncome, balance sheet and cash flow, year by year
Income statement
| In millions of INR | 2023 | 2024 | 2025 | 2026 |
|---|---|---|---|---|
| 4,966 | 6,820 | 10,568 | 13,779 | |
| 1,711 | 2,401 | 4,729 | 6,353 | |
| 1,121 | 1,671 | 3,965 | 5,430 | |
| 2,117 | 3,313 | 4,081 | 5,554 | |
| 1,553 | 2,476 | 3,770 | 5,051 | |
| 14.51 | 25.18 | 33.86 | 45.13 | |
| 34.4% | 35.2% | 44.7% | 46.1% | |
| 22.6% | 24.5% | 37.5% | 39.4% | |
| 31.3% | 36.3% | 35.7% | 36.7% |
Balance sheet
| In millions of INR | 2023 | 2024 | 2025 | 2026 |
|---|---|---|---|---|
| Total assets | 42,956 | 57,942 | 77,475 | 96,150 |
| Cash | 3,609 | 1,119 | 1,820 | 1,294 |
| Total debt | 29,889 | 34,151 | 49,691 | 62,460 |
| Total liabilities | 30,551 | 34,955 | 50,388 | 64,169 |
| 12,405 | 22,987 | 27,087 | 31,981 | |
| 107 | 98 | 111 | 112 | |
| 3.8% | 4.4% | 4.1% | 4.5% | |
| 12.5% | 10.8% | 13.9% | 15.8% |
Cash flow
| In millions of INR | 2023 | 2024 | 2025 | 2026 |
|---|---|---|---|---|
| -8,522 | -12,323 | -14,348 | -11,850 | |
| 64 | 62 | 91 | 113 | |
| -8,586 | -12,386 | -14,438 | -11,963 | |
| Dividends paid | – | – | – | 540 |
| – | – | – | – | |
| 83 | 123 | 135 | 207 |
This is a bank or insurer, so cash-flow and debt ratios are left out: borrowing and lending is the business itself. Price to book and return on equity are the measures that matter here.
Valuation
- 13.3×
- –
- 0.29
- 2.5×
- 4.9×
- 7.5%
- 0.8%
Profitability
- 36.7%
- 4.3%
- 4.0%
- –
- –
Growth
- +40.5%
- +46.0%
- –
- +1.5%
How it ranks in Financial Services
Each dot is where the company stands among every company over $300M in the sector. Further right is better.
Bottom 49%of 748
Top 23%of 603
Top 45%of 873
Top 12%of 883
Bottom 8%of 933
0.8%of the share price, paid each year
On $1,000 invested$8a year at today's yield, before tax
–per share
Raised–not every year
How safe it looks
10.7% of its profit
Room to growStretchedMore than it earnsNews
Coca-Cola files paperwork for India bottling unit’s IPOSeeking Alpha · Nov 7, 2026TD SYNNEX partners with SISA to expand cybersecurity offerings in IndiaSeeking Alpha · Nov 5, 2026Nokia and L&T Technology Services ink strategic 5-year R&D partnership in IndiaSeeking Alpha · Oct 26, 2026Volvo Group Q3 earnings rise as truck deliveries increase 11%, lifts India and China estimatesSeeking Alpha · Oct 23, 2026PepsiCo warns India energy drink ban could dry up supplies in two monthsSeeking Alpha · Oct 15, 2026Insider trades
Our insider feed has not updated since May 26, 2026. Trades filed after that are not listed yet.
No insider trades on file.
The seven classic investing rulebooks
2/7Passes 2 of 7. Each bar is how well the company fits that investor's published rules, from 0 to 100; 60 or more counts as a pass.
Warren Buffett
35No pass
Benjamin Graham
58No pass
Philip Fisher
70Pass
Peter Lynch
93Pass
Joel Greenblatt
20No pass
Charlie Munger
40No pass
Terry Smith
36No pass
Questions about India Shelter Finance
Is India Shelter Finance a good stock to buy?
A strong, very profitable business, and the price looks low. 2 of the 7 famous investors' published rulebooks we apply pass it. Whether it suits you depends on your goals and the price you pay; invest-like never tells anyone to buy or sell. The AI analysis lays out the case for and against. Read the India Shelter Finance AI analysis
What does India Shelter Finance do?
India Shelter Finance Corporation Limited operates as a housing finance company in India. The company offers home, purchase and home construction, and home renovation loan, as well as loan against property. It also provides secured retail home loans and home equity loans. It is in Mortgage Finance, based in Gurugram, India.
Does India Shelter Finance pay a dividend?
Yes. At today's price the dividend is 0.8% a year, about 11% of its yearly profit. In 2026 it paid out ₹540 million in dividends.
Is India Shelter Finance stock halal?
No. India Shelter Finance does not pass our halal screen: its main business, an impermissible business, is not permitted. How we check
How has India Shelter Finance stock done over the past year?
Down 28.4% over the past twelve months, to ₹617.15. It traded between ₹607.05 and ₹861.35 and is 28.4% below its high.
Who are India Shelter Finance's competitors?
The largest listed companies in the same industry are Rocket Companies, LIC Housing Finance, PNB Housing Finance and UWM. The peers table on this page compares their profit, growth and price with India Shelter Finance's.
Prices: daily closes to Nov 11, 2026. Fundamentals: company reports via invest-like data.