India Shelter Finance Corporation is a unique retailer focused lender for affordable housing, with a large distribution network and an infrastructure that can grow with technology. Over the course of the two fiscal years 2021–2023, the company’s Assets Under Management (AUM) increased at a CAGR rate of 40.8%.

India Shelter Finance Corporation’s main target market consists of self-employed people, especially those in Tier II and Tier III cities of India who are looking for their first house loan and fall into the low- to middle-income range. The quality of assets has been maintained through the use of credit and risk management rules, which are backed by cutting-edge technology and data analytics throughout a variety of business operations. As of March 31, the Gross Non-Performing Asset (GNPA) was 1.13%.
As of March 31, 2023, India Shelter Finance has 183 branches scattered throughout 15 states, making it a well-established and expansive network. It is well-known in important states including Gujarat, Rajasthan, Maharashtra, Madhya Pradesh, and Karnataka, where the oldest of its branches is five years or older. Furthermore, the organisation has expanded into states that together represent 94% of India’s affordable home finance market.

India Shelter Finance Corporation maintains a strong credit rating of ICRA A+ (stable) from ICRA Limited and CARE A+ (stable) from CARE Limited, which reinforces its financial stability. The company has secured long-term funding from a diverse group of lenders, involving more than 35 counterparties, 24 of which are scheduled commercial banks.