Last Updated2026-06-02

Market View

₹772.6(▲2.29%)

Reporting PeriodQ4 FY26

INDIASHLTRIndia Shelter Finance Corporation Limited Forensic Risk Analysis

Name: India Shelter Finance Corporation Limited Structural Risk Analysis
Creator: Flagium AI
License: https://creativecommons.org/licenses/by-nc-nd/4.0/

Housing Finance Company

Risk ClassStable

Market Cap₹8,320 Cr

Primary DriverGovernance

Flagium AI Risk Score

5 / 100

-5 QoQ

Improving

Sentinel Insight

Asset quality remains stable for now. Pressure is receding in governance. This indicates that forensic pressure is currently receding. Risk levels are improving.

36.4th %ile (Sector)Accel: +0 Qtrs

Updated2026-06-02

Market View

₹772.6▲2.29%

PeriodQ4 FY26

Score Waterfall
Absolute contribution points of each forensic pillar to the final risk score. Derived from: Sector Baseline + Active Penalties - Mitigation Buffers.

Stability Adjustment

+5.0 pts

Final Composite Risk5 / 100

Investment Risk Thesis

Historical Trend

Current risk score has risen from 0 → 5 over 12 quarters.

Expected Direction

🟢 Improving

Primary Deterioration Drivers

NIM Compression

What to Watch Next Quarter

Operating profit margins

Active Risk Objects (1)

CriticalHigh

NIM Compression

📊 Earnings QualityQuarterlyActive for 3 Qtrs

More Detail

Impact Weight10/15

MomentumDecaying

Last SignalQ3 FY2026

INDIASHLTR: NIM compressed by 137 bps YoY (to 10.87%).

"Pressure on core margins is stabilizing. Monitor for sustained interest income recovery."

Risk Trajectory

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Resilience Matrix

Metric	Value	vs Sector	Signal
Volatility (σ)	2.27	3.70	✅ RESILIENT
Sensitivity (ε_s)	1	1.00	✅ RESILIENT
Escalation Prob.	5%	5%	✅ NEUTRAL
Safety Buffer	+61.0	+61.0	✅ RESILIENT

Forensic Benchmark Context: Housing Finance Company (n=12 peers)

Correlation Analysis
Visualizing the relationship between stock price movement and structural risk objects.

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Share Price

Risk Score (0-100)

Market Performance

₹772.6(+2.29%)

1M Divergence-3.84%

1 Week-0.99%

1 Month-4.57%

6 Months-9.46%

1 Year-10.37%

2 Year+32.58%

3 Year+36.65%

Sector Average (1M)-0.73%

Sentinel Forensic Assessment

ALGORITHMIC RISK PROFILE • NON-ADVISORY

The structural architecture is currently robust. Capital resilience buffers in governance remain well-maintained against forensic benchmarks. Systematic scans of structural transparency and audit trails confirm the absence of material structural stress. Initial structural recovery is visible; monitor for a sustained return to resilience.

INDIASHLTR • MARKET STRUCTURE

Stage 4 — Declining

The company is in a defensive phase. Sentiment and fundamentals are deteriorating under persistent downward pressure, indicating elevated risk levels.

Stage Transition Prob.0%

Trend QualityDeteriorating

Phase Progression

Phase Progression Score0%

Readiness LabelLow (Early Base Consolidation)

Probability of Advancing0%

CoinTree Momentum

Composite Z-Score-0.3401σ

Weakening momentum trend

Universe Rank#1746 of 2716

Top 64.29% in momentum strength

Timeframe Sparklines

1W-1.0%

1M-4.6%

6M-9.5%

Weinstein Indicators

150 DMA₹800.25

200 DMA₹824.34

150 DMA Slope-1.2519%Declining

Relative Strength-4.76%Lagging

Relative Turnover (RTR)0.5615

ParticipationWeak

PEER COMPARISON

Ranked comparison against sector peers

Risk profile is broadly in line with the Sector Mean (5).

Ticker	Risk Score	Sector %ile	Delta	Flags	Accel	Primary Driver
INDIASHLTRIndia Shelter Finance Corporation Limited	5	36th	-5	1	+0	GovernanceStable
AADHARHFCAadhar Housing Finance Limited	10	82th	0	4	+0	Earnings QualityStable
REPCOHOMEREPCOHOME	16	91th	+5	8	+1	Earnings QualityStable
SAMMAANCAPSammaan Capital Limited	25	100th	+15	5	+3	Earnings QualityWatch