Quarterly Results, Profit & Loss, Balance Sheet, Cash Flows, and Ratios are shown below as separate sections.
Financials of India Shelter Finance Corporation Ltd
Quarter-by-quarter operating performance
| Mar 2023 | Jun 2023 | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue + | 170 | 182 | 204 | 209 | 235 | 252 | 283 | 304 | 327 | 361 | 369 | 390 | 408 |
| Interest | 56 | 68 | 72 | 74 | 75 | 77 | 85 | 92 | 102 | 106 | 110 | 114 | 115 |
| Expenses + | 51 | 57 | 59 | 61 | 67 | 73 | 79 | 85 | 83 | 97 | 98 | 113 | 110 |
| Financing Profit | 63 | 57 | 73 | 74 | 93 | 102 | 119 | 127 | 142 | 158 | 161 | 163 | 183 |
| Financing Margin % | 37% | 31% | 36% | 35% | 40% | 40% | 42% | 42% | 44% | 44% | 44% | 42% | 45% |
| Other Income + | 8 | 6 | 7 | 10 | 10 | 9 | 1 | 0 | 0 | 0 | 0 | 0 | 0 |
| Depreciation | 2 | 2 | 2 | 2 | 3 | 3 | 3 | 3 | 3 | 3 | 3 | 3 | 3 |
| Profit before tax | 68 | 61 | 77 | 81 | 100 | 108 | 117 | 124 | 140 | 155 | 158 | 160 | 180 |
| Tax % | 22% | 23% | 22% | 23% | 22% | 23% | 23% | 23% | 23% | 23% | 23% | 22% | 24% |
| Net Profit + | 53 | 47 | 60 | 62 | 78 | 84 | 90 | 96 | 108 | 119 | 122 | 124 | 138 |
| EPS in Rs | 12.10 | 10.73 | 6.69 | 5.82 | 7.28 | 7.79 | 8.39 | 8.92 | 10.02 | 11.07 | 11.26 | 11.42 | 12.65 |
| Gross NPA % | 1.13% | 1.09% | 1.20% | 0.97% | 1.14% | 1.24% | 1.25% | 0.99% | 1.24% | 1.25% | 1.54% | 1.25% | |
| Net NPA % | 0.85% | 0.80% | 0.90% | 0.73% | 0.86% | 0.94% | 0.94% | 0.75% | 0.95% | 0.94% | 1.16% | 0.93% |
Financials of India Shelter Finance Corporation Ltd
Annual income statement trend
| Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|---|---|---|
| Revenue + | 317 | 448 | 585 | 830 | 1,166 | 1,528 |
| Interest | 106 | 149 | 211 | 289 | 356 | 445 |
| Expenses + | 99 | 138 | 185 | 243 | 319 | 418 |
| Financing Profit | 112 | 162 | 189 | 298 | 491 | 665 |
| Financing Margin % | 35% | 36% | 32% | 36% | 42% | 44% |
| Other Income + | 6 | 12 | 21 | 32 | 10 | 0 |
| Depreciation | 5 | 7 | 8 | 10 | 12 | 12 |
| Profit before tax | 113 | 167 | 202 | 319 | 489 | 653 |
| Tax % | 23% | 23% | 23% | 22% | 23% | 23% |
| Net Profit + | 87 | 128 | 155 | 248 | 378 | 503 |
| EPS in Rs | 20.33 | 29.39 | 35.41 | 23.13 | 35.02 | 46.26 |
| Dividend Payout % | 0% | 0% | 0% | 0% | 14% | 22% |
Financials of India Shelter Finance Corporation Ltd
Capital structure and asset base
| Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|---|---|---|
| Equity Capital | 43 | 44 | 44 | 54 | 54 | 54 |
| Reserves | 894 | 1,032 | 1,197 | 2,245 | 2,655 | 3,144 |
| Borrowing | 1,491 | 2,070 | 2,989 | 3,415 | 4,969 | 6,246 |
| Other Liabilities + | 34 | 75 | 66 | 80 | 70 | 171 |
| Total Liabilities | 2,463 | 3,221 | 4,296 | 5,794 | 7,748 | 9,615 |
| Fixed Assets + | 15 | 17 | 24 | 30 | 29 | 29 |
| CWIP | 0 | 0 | 0 | 0 | 0 | 0 |
| Investments | 0 | 175 | 47 | 158 | 315 | 395 |
| Other Assets + | 2,448 | 3,029 | 4,224 | 5,607 | 7,403 | 9,191 |
| Total Assets | 2,463 | 3,221 | 4,296 | 5,794 | 7,748 | 9,615 |
Financials of India Shelter Finance Corporation Ltd
Operating, investing and financing cash movement
| Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|---|---|---|
| Cash from Operating Activity + | -421 | -495 | -852 | -1,232 | -1,435 | -1,185 |
| Cash from Investing Activity + | 77 | -186 | 162 | -236 | -61 | -105 |
| Cash from Financing Activity + | 560 | 592 | 907 | 1,220 | 1,566 | 1,238 |
| Net Cash Flow | 216 | -89 | 217 | -249 | 70 | -53 |
| Free Cash Flow | -423 | -500 | -858 | -1,238 | -1,443 | -1,196 |
| CFO/OP | -183% | -151% | -201% | -197% | -157% | -95% |
Financials of India Shelter Finance Corporation Ltd
Working capital efficiency and return ratios
| Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|---|---|---|
| ROE % | 9% | 13% | 13% | 14% | 15% | 17% |