{"id":185087,"date":"2026-08-05T10:21:28","date_gmt":"2026-08-05T04:51:28","guid":{"rendered":"https:\/\/univest.in\/blogs-2\/?p=185087"},"modified":"2026-08-05T10:21:31","modified_gmt":"2026-08-05T04:51:31","slug":"aavas-financiers-vs-india-shelter-finance-corporation-comparison","status":"publish","type":"post","link":"https:\/\/univest.in\/blogs-2\/aavas-financiers-vs-india-shelter-finance-corporation-comparison\/","title":{"rendered":"Aavas Financiers vs India Shelter Finance Corporation: Which Stock Should You Track"},"content":{"rendered":"<div class=\"meta-block\"><\/div>\n<p style=\"border-left: 4px solid #1F4E79; background: #EBF3FB; padding: 10px 16px; font-style: italic;\"><em>Aavas Financiers MCap Rs 11,393 Cr, PE 16.59x, ROE 12.97%, D\/E 3.11. India Shelter Finance MCap Rs 7,883 Cr, PE 15.67x, ROE 15.73%, D\/E 1.95.<\/em><\/p>\n<p>Aavas Financiers vs India Shelter Finance Corporation is a comparison affordable housing finance investors look up when evaluating two listed NBFCs targeting small-ticket home loans in informal economy markets. Aavas Financiers serves semi-urban and rural borrowers in Rajasthan, Gujarat, Maharashtra and other states, while India Shelter Finance Corporation targets lower income self-employed borrowers across North and Central India.<\/p>\n<p>This Aavas Financiers vs India Shelter Finance Corporation article covers reach and market position, key products, latest declared results and stock valuation. The Aavas Financiers vs India Shelter Finance Corporation data below is sourced from Groww and public company filings and reflects the most recently available information at the time of writing.<\/p>\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_65 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title \" >Table of Contents<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/univest.in\/blogs-2\/aavas-financiers-vs-india-shelter-finance-corporation-comparison\/#Aavas_Financiers_vs_India_Shelter_Finance_Corporation_Reach_and_Market_Position\" title=\"Aavas Financiers vs India Shelter Finance Corporation: Reach and Market Position\">Aavas Financiers vs India Shelter Finance Corporation: Reach and Market Position<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/univest.in\/blogs-2\/aavas-financiers-vs-india-shelter-finance-corporation-comparison\/#Aavas_Financiers_vs_India_Shelter_Finance_Corporation_Key_Products_and_Business_Mix\" title=\"Aavas Financiers vs India Shelter Finance Corporation: Key Products and Business Mix\">Aavas Financiers vs India Shelter Finance Corporation: Key Products and Business Mix<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/univest.in\/blogs-2\/aavas-financiers-vs-india-shelter-finance-corporation-comparison\/#Aavas_Financiers_vs_India_Shelter_Finance_Corporation_Latest_Results\" title=\"Aavas Financiers vs India Shelter Finance Corporation: Latest Results\">Aavas Financiers vs India Shelter Finance Corporation: Latest Results<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/univest.in\/blogs-2\/aavas-financiers-vs-india-shelter-finance-corporation-comparison\/#Aavas_Financiers_vs_India_Shelter_Finance_Corporation_Stock_and_Valuation\" title=\"Aavas Financiers vs India Shelter Finance Corporation: Stock and Valuation\">Aavas Financiers vs India Shelter Finance Corporation: Stock and Valuation<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/univest.in\/blogs-2\/aavas-financiers-vs-india-shelter-finance-corporation-comparison\/#Aavas_Financiers_vs_India_Shelter_Finance_Corporation_Quick_Comparison_Table\" title=\"Aavas Financiers vs India Shelter Finance Corporation: Quick Comparison Table\">Aavas Financiers vs India Shelter Finance Corporation: Quick Comparison Table<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/univest.in\/blogs-2\/aavas-financiers-vs-india-shelter-finance-corporation-comparison\/#Conclusion\" title=\"Conclusion\">Conclusion<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/univest.in\/blogs-2\/aavas-financiers-vs-india-shelter-finance-corporation-comparison\/#Frequently_Asked_Questions\" title=\"Frequently Asked Questions\">Frequently Asked Questions<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/univest.in\/blogs-2\/aavas-financiers-vs-india-shelter-finance-corporation-comparison\/#What_is_the_main_difference_between_Aavas_Financiers_and_India_Shelter_Finance\" title=\"What is the main difference between Aavas Financiers and India Shelter Finance?\">What is the main difference between Aavas Financiers and India Shelter Finance?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/univest.in\/blogs-2\/aavas-financiers-vs-india-shelter-finance-corporation-comparison\/#Which_company_has_the_higher_ROE\" title=\"Which company has the higher ROE?\">Which company has the higher ROE?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/univest.in\/blogs-2\/aavas-financiers-vs-india-shelter-finance-corporation-comparison\/#Which_stock_trades_at_a_lower_PE\" title=\"Which stock trades at a lower P\/E?\">Which stock trades at a lower P\/E?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/univest.in\/blogs-2\/aavas-financiers-vs-india-shelter-finance-corporation-comparison\/#Which_company_pays_a_dividend\" title=\"Which company pays a dividend?\">Which company pays a dividend?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/univest.in\/blogs-2\/aavas-financiers-vs-india-shelter-finance-corporation-comparison\/#Which_company_has_lower_debt\" title=\"Which company has lower debt?\">Which company has lower debt?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-13\" href=\"https:\/\/univest.in\/blogs-2\/aavas-financiers-vs-india-shelter-finance-corporation-comparison\/#What_risks_apply_to_affordable_housing_NBFCs\" title=\"What risks apply to affordable housing NBFCs?\">What risks apply to affordable housing NBFCs?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-14\" href=\"https:\/\/univest.in\/blogs-2\/aavas-financiers-vs-india-shelter-finance-corporation-comparison\/#Should_I_invest_in_Aavas_Financiers_or_India_Shelter_Finance\" title=\"Should I invest in Aavas Financiers or India Shelter Finance?\">Should I invest in Aavas Financiers or India Shelter Finance?<\/a><\/li><\/ul><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"Aavas_Financiers_vs_India_Shelter_Finance_Corporation_Reach_and_Market_Position\"><\/span><strong>Aavas Financiers vs India Shelter Finance Corporation: Reach and Market Position<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>On the Aavas Financiers side of the Aavas Financiers vs India Shelter Finance Corporation comparison, Aavas Financiers lends to self-employed and salaried customers in tier 2 and tier 3 cities for home purchase and improvement loans, primarily in Rajasthan, Gujarat and Maharashtra. Market capitalisation is Rs 11,393 Cr.<\/p>\n<p style=\"margin-top: 24px;\"><a href=\"https:\/\/univest.in\/user\/log-in?utm_source=blogs&amp;utm_medium=aavas-vs-indiashltr\"><strong>Click Here &#8211; Get Free Investment Predictions<\/strong><\/a><\/p>\n<p>On the India Shelter Finance Corporation side of the Aavas Financiers vs India Shelter Finance Corporation comparison, India Shelter Finance Corporation serves low-income and informal economy customers in North and Central India with small home loans in the Rs 5 lakh to Rs 20 lakh range. Market capitalisation is Rs 7,883 Cr.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Aavas_Financiers_vs_India_Shelter_Finance_Corporation_Key_Products_and_Business_Mix\"><\/span><strong>Aavas Financiers vs India Shelter Finance Corporation: Key Products and Business Mix<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>In the Aavas Financiers vs India Shelter Finance Corporation product comparison, Aavas Financiers offers: Aavas Financiers offers home purchase, home construction, home improvement and balance transfer loans. P\/E is 16.59x, ROE 12.97 percent, debt to equity 3.11.<\/p>\n<p>For India Shelter Finance Corporation in this Aavas Financiers vs India Shelter Finance Corporation breakdown: India Shelter Finance offers home loans for purchase, construction and renovation with small average ticket sizes serving first-time home buyers. P\/E is 15.67x, ROE 15.73 percent, debt to equity 1.95.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Aavas_Financiers_vs_India_Shelter_Finance_Corporation_Latest_Results\"><\/span><strong>Aavas Financiers vs India Shelter Finance Corporation: Latest Results<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>The Aavas Financiers vs India Shelter Finance Corporation results for Aavas Financiers: Aavas Financiers has a market cap of Rs 11,393 Cr and P\/E of 16.59x. ROE is 12.97 percent. EPS is Rs 86.63.<\/p>\n<p>The Aavas Financiers vs India Shelter Finance Corporation results for India Shelter Finance Corporation: India Shelter Finance has a market cap of Rs 7,883 Cr and P\/E of 15.67x. ROE is 15.73 percent, higher than Aavas. Dividend yield is 1.38 percent. EPS is Rs 46.22.<\/p>\n<p style=\"margin-top: 24px;\"><a href=\"https:\/\/univest.in\/screeners\"><strong>Compare Aavas Financiers and India Shelter Finance Corporation Fundamentals on the Univest Screener<\/strong><\/a><\/p>\n<h2><span class=\"ez-toc-section\" id=\"Aavas_Financiers_vs_India_Shelter_Finance_Corporation_Stock_and_Valuation\"><\/span><strong>Aavas Financiers vs India Shelter Finance Corporation: Stock and Valuation<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>The Aavas Financiers vs India Shelter Finance Corporation stock comparison uses the latest available market data from Groww. Investors tracking Aavas Financiers vs India Shelter Finance Corporation should verify current prices on NSE or BSE before trading.<\/p>\n<p>Aavas Financiers trades at a market cap of Rs 11,393 Cr and P\/E of 16.59x. India Shelter Finance trades at Rs 7,883 Cr market cap and P\/E of 15.67x, slightly cheaper, with a higher ROE of 15.73 percent and lower debt burden. India Shelter Finance also pays a 1.38 percent dividend.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Aavas_Financiers_vs_India_Shelter_Finance_Corporation_Quick_Comparison_Table\"><\/span><strong>Aavas Financiers vs India Shelter Finance Corporation: Quick Comparison Table<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>The Aavas Financiers vs India Shelter Finance Corporation comparison table below summarises the key metrics covered in this article side by side.<\/p>\n<table style=\"border-collapse: collapse; width: 100%;\">\n<tbody>\n<tr>\n<th style=\"border: 1px solid #ccc; padding: 8px;\">Parameter<\/th>\n<th style=\"border: 1px solid #ccc; padding: 8px;\"><a href=\"https:\/\/univest.in\/stocks\/aavas\/aavas-financiers-ltd-share-price-today\">Aavas Financiers<\/a><\/th>\n<th style=\"border: 1px solid #ccc; padding: 8px;\"><a href=\"https:\/\/univest.in\/stocks\/indiashltr\/india-shelter-finance-corporation-ltd-share-price-today\">India Shelter Finance Corporation<\/a><\/th>\n<\/tr>\n<tr>\n<td style=\"border: 1px solid #ccc; padding: 8px;\">Sector<\/td>\n<td style=\"border: 1px solid #ccc; padding: 8px;\">Affordable housing NBFC<\/td>\n<td style=\"border: 1px solid #ccc; padding: 8px;\">Affordable housing NBFC<\/td>\n<\/tr>\n<tr>\n<td style=\"border: 1px solid #ccc; padding: 8px;\">Market Cap<\/td>\n<td style=\"border: 1px solid #ccc; padding: 8px;\">Rs 11,393 Cr<\/td>\n<td style=\"border: 1px solid #ccc; padding: 8px;\">Rs 7,883 Cr<\/td>\n<\/tr>\n<tr>\n<td style=\"border: 1px solid #ccc; padding: 8px;\">P\/E Ratio<\/td>\n<td style=\"border: 1px solid #ccc; padding: 8px;\">16.59x<\/td>\n<td style=\"border: 1px solid #ccc; padding: 8px;\">15.67x<\/td>\n<\/tr>\n<tr>\n<td style=\"border: 1px solid #ccc; padding: 8px;\">ROE<\/td>\n<td style=\"border: 1px solid #ccc; padding: 8px;\">12.97%<\/td>\n<td style=\"border: 1px solid #ccc; padding: 8px;\">15.73%<\/td>\n<\/tr>\n<tr>\n<td style=\"border: 1px solid #ccc; padding: 8px;\">Debt to Equity<\/td>\n<td style=\"border: 1px solid #ccc; padding: 8px;\">3.11<\/td>\n<td style=\"border: 1px solid #ccc; padding: 8px;\">1.95<\/td>\n<\/tr>\n<tr>\n<td style=\"border: 1px solid #ccc; padding: 8px;\">Dividend Yield<\/td>\n<td style=\"border: 1px solid #ccc; padding: 8px;\">0.00%<\/td>\n<td style=\"border: 1px solid #ccc; padding: 8px;\">1.38%<\/td>\n<\/tr>\n<tr>\n<td style=\"border: 1px solid #ccc; padding: 8px;\">Target geography<\/td>\n<td style=\"border: 1px solid #ccc; padding: 8px;\">Rajasthan, Gujarat, Maharashtra<\/td>\n<td style=\"border: 1px solid #ccc; padding: 8px;\">North and Central India<\/td>\n<\/tr>\n<tr>\n<td style=\"border: 1px solid #ccc; padding: 8px;\">Average ticket size<\/td>\n<td style=\"border: 1px solid #ccc; padding: 8px;\">Rs 10-20 lakh range<\/td>\n<td style=\"border: 1px solid #ccc; padding: 8px;\">Rs 5-20 lakh range<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<h2><span class=\"ez-toc-section\" id=\"Conclusion\"><\/span><strong>Conclusion<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>The Aavas Financiers vs India Shelter Finance Corporation comparison above covers the key data points on reach, products, results and valuation. Aavas Financiers vs India Shelter Finance Corporation are two affordable housing NBFCs targeting informal economy borrowers. India Shelter Finance is slightly cheaper, delivers a higher ROE, carries lower debt and pays a dividend. Both operate in the same market segment with similar risk profiles. Investors should review asset quality and AUM growth and consult a SEBI-registered advisor before investing.<\/p>\n<p style=\"margin-top: 24px;\"><em>Download the <a href=\"https:\/\/apps.apple.com\/in\/app\/univest\/id1543832872\" rel=\"nofollow noopener\" target=\"_blank\">Univest iOS App<\/a> or <a href=\"https:\/\/play.google.com\/store\/apps\/details?id=com.univest.android\" rel=\"nofollow noopener\" target=\"_blank\">Univest Android App<\/a> to track Aavas Financiers and India Shelter Finance Corporation live price and get daily stock recommendations.<\/em><\/p>\n<div style=\"background: #CC0000; border-radius: 8px; padding: 16px 20px; margin: 24px 0;\">\n<p style=\"color: #ffffff; font-size: 13px; line-height: 1.7; margin: 0;\"><strong style=\"color: #ffffff;\">Disclaimer:<\/strong> Data and figures in this article are sourced from publicly available information, including company results filings and exchange data, and are current as of the time of writing. These may or may not be accurate. Please verify all data with the official NSE (nseindia.com) and BSE (bseindia.com) websites before making any investment decision. Investments in securities are subject to market risk. This content is for educational purposes only and is not investment advice by Univest (SEBI RA INH000013776).<\/p>\n<\/div>\n<h2><span class=\"ez-toc-section\" id=\"Frequently_Asked_Questions\"><\/span><strong>Frequently Asked Questions<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<h3><span class=\"ez-toc-section\" id=\"What_is_the_main_difference_between_Aavas_Financiers_and_India_Shelter_Finance\"><\/span><strong>What is the main difference between Aavas Financiers and India Shelter Finance?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Ans.<\/strong> Aavas Financiers serves semi-urban borrowers primarily in Rajasthan, Gujarat and Maharashtra. India Shelter Finance serves low-income informal economy customers in North and Central India with smaller average ticket sizes.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Which_company_has_the_higher_ROE\"><\/span><strong>Which company has the higher ROE?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Ans.<\/strong> India Shelter Finance has an ROE of 15.73 percent, higher than Aavas Financiers at 12.97 percent.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Which_stock_trades_at_a_lower_PE\"><\/span><strong>Which stock trades at a lower P\/E?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Ans.<\/strong> India Shelter Finance trades at 15.67x trailing earnings, slightly lower than Aavas at 16.59x.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Which_company_pays_a_dividend\"><\/span><strong>Which company pays a dividend?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Ans.<\/strong> India Shelter Finance pays a dividend yield of 1.38 percent. Aavas Financiers pays no dividend.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Which_company_has_lower_debt\"><\/span><strong>Which company has lower debt?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Ans.<\/strong> India Shelter Finance has a debt to equity of 1.95, lower than Aavas at 3.11.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"What_risks_apply_to_affordable_housing_NBFCs\"><\/span><strong>What risks apply to affordable housing NBFCs?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Ans.<\/strong> Both companies face risk from rural income stress, rising NHB\/RBI regulation, competition from banks entering the affordable housing segment and funding cost cycles.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Should_I_invest_in_Aavas_Financiers_or_India_Shelter_Finance\"><\/span><strong>Should I invest in Aavas Financiers or India Shelter Finance?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Ans.<\/strong> India Shelter Finance has a slight edge on ROE, P\/E, debt levels and dividend. Aavas has a longer track record. Review AUM and asset quality data and consult a SEBI-registered advisor before investing.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Aavas Financiers vs India Shelter Finance compared on AUM, average ticket size and margins. 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