India Shelter Finance Corporation Ltd
Ticker: INDIASHLTR
Decent
68/100
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Investing Reference
Price
883.85
Market Cap
9581.59
Debt/Equity
1.8345
ROE %
15.092
PB
3.5373
Promoter %
47.714
Pledge %
46.265
1Y Rev Growth %
36.517
5Y Rev Growth %
NP Margin %
32.133
NP Margin 5Y Avg %
28.301
Trading Reference
1M Return %
0.733
6M Return %
2.869
1Y Return %
30.256
% Away 52W High
14.471
% Away 52W Low
45.610
Daily Volume
116424
Investment Verdict
Risky
Score 49/100 · Position size: 6%
Higher volatility/weak areas. Consider only a small allocation if risk appetite is high.
Trading Verdict
Avoid
Score 18/100 · Position size: 0%
Momentum weak or trend adverse. Avoid trading at this point.
Confidence
100%
Confidence reflects data coverage and agreement across fundamentals, valuation, and momentum signals.
Summary
India Shelter Finance Corporation Ltd shows potential for growth in the affordable housing finance sector, supported by strong demand and government initiatives.
✅ Positives
- Strong demand for affordable housing finance
- Government support for housing initiatives
- Improving asset quality and loan book growth
⚠️ Negatives
- High competition in the housing finance sector
- Regulatory challenges impacting margins
- Economic slowdown risks affecting loan repayments
Verdict
Moderate growth potential with some risks.
Recommendation: Consider buying on dips.
Upside Probability: 25% | Downside Probability: 15%
Last generated: 30/10/2025
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Business Overview
India Shelter Finance Corporation Ltd is a leading housing finance company dedicated to providing affordable home loans to low and middle-income families in India. By addressing the housing finance gap, it empowers individuals to achieve their dream of homeownership. The company plays a crucial role in promoting financial inclusion and sustainable housing development across the nation.
- Focus on affordable housing finance
- Empowers low and middle-income families
- Promotes financial inclusion
- Strong commitment to sustainable development
- Robust growth potential in the housing sector
Investment Thesis
India Shelter Finance Corporation Ltd presents a compelling investment opportunity due to its strong promoter credibility, promising growth in digital services, and attractive valuation compared to peers. These factors position the company favorably in the evolving financial landscape.
- Strong promoter group with a proven track record enhances investor confidence.
- Significant growth potential in digital financial services aligns with market trends.
- Attractive valuation metrics compared to industry peers indicate potential for upside.
- Robust risk management practices ensure stability in volatile markets.
- Focus on affordable housing finance caters to a growing demographic need.
Opportunity vs Risk
Opportunities
- Growing demand for affordable housing
- Strong government support for housing finance
- Potential for expansion in rural markets
- Increasing urbanization driving housing needs
Risks ⚠️
- Regulatory changes affecting lending
- High competition in housing finance
- Economic downturn impacting loan repayments
- Interest rate fluctuations affecting margins
Peer Perspective
India Shelter Finance Corporation Ltd trades at a discount to peers like HDFC and LIC Housing Finance, with potential rerating hinging on margin stability and improved loan growth, which could enhance investor confidence.
Future Outlook
India Shelter Finance Corporation Ltd is well-positioned for growth in the affordable housing sector, provided it maintains strong execution and cost control. Continued demand and strategic initiatives could enhance its market presence.
AI FAQs for Retail Users
- Q: What does India Shelter Finance Corporation Ltd do?A: It provides housing finance solutions, primarily focusing on affordable housing in India.
- Q: Is India Shelter Finance Corporation Ltd a profitable company?A: The company's profitability can vary; check recent financial reports for the latest performance.
- Q: What are the risks of investing in this stock?A: Risks include market volatility, regulatory changes, and potential economic downturns affecting housing finance.
- Q: How can I invest in India Shelter Finance Corporation Ltd?A: You can invest through a stockbroker or online trading platform that offers access to Indian equities.
- Q: What should I consider before investing?A: Consider your financial goals, risk tolerance, and conduct thorough research on the company and industry.
📊 Stock Investment Checklist (100 Points)
India Shelter Finance Corporation Ltd • Updated: 2025-09-17 02:37:24
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10BusinessHighThe housing finance sector is growing, but competition is intense.
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10GrowthHighRevenue growth has been consistent, but profit margins are under pressure.
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10ProfitabilityHighROE and ROCE are decent, but OCF is fluctuating.
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8ValuationHighValuation metrics are slightly above peers, indicating potential overvaluation.
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6BalanceGoodDebt levels are manageable, but liquidity is a concern.
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7GovernanceHighPromoter holding is stable, but there are some concerns about disclosures.
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5DriversGoodGrowth drivers exist, but execution risks are significant.
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5TechnicalsGoodMarket sentiment is neutral, with low liquidity.
Final Score & Verdict
Score 68 / 100
• Decent
India Shelter Finance Corporation Ltd shows potential for growth but faces challenges in profitability and valuation metrics.
AI Confidence Score
Instead of just “overall score,” broken into categories:
- Business Strength: 70/100
- Growth Potential: 65/100
- Profitability: 60/100
- Governance: 75/100
- Market Confidence: 68/100