Housing Finance company India Shelter Finance Corporation announced Q3FY25 results Profitability: Profit after tax grew by 54% YoY to Rs 96 crore in Q3FY25 as against Rs 62 crore in Q3FY24. RoA improved to 5.5% in Q3FY25 from 4.7% in Q3FY24. RoE improved to 15.1% in Q3FY25 from 13.9% in Q3FY24. Borrowings & Liquidity: Networth is at Rs 2,595 crore as of December’24. The company continues to carry a liquidity of Rs 1,752 crore as of December’24. In Q3FY25, cost of funds was maintained at 8.8%. Asset Quality & Provisions: Gross Stage 3 and Net Stage 3 at 1.2% and 0.9% as of 31st December’24. 30+ DPD stood at 3.7% as of 31st December’24. Credit Cost for the quarter at 0.5%. Rupinder Singh, Managing Director & CEO, India Shelter Finance Corporation, said: We are pleased to announce that the Company delivered strong performance in the third quarter of FY25 driven by strong demand environment in the affordable housing segment. We delivered an AUM growth of 36% YoY to Rs 7,619 crore supported by a disbursement growth of 29% YoY to Rs 879 crore. We continue to maintain strong focus on leveraging tech to improve operations, onboarding and customer experience. Company now processes 96% digital collections, 98% e-signing of applications, 78% of our customers are registered on the app with 71% service requests raised via the app. With continued focus on branch expansion, technology innovation & manpower addition we strive to improve our efficiency metrics. Cost to Income improved to 37.4% in Q3FY25 from 41.1% in Q3FY24. During the quarter we added 5 new branches to reach a count of 265 branches across 15 states. Result PDF