Conference Call with India Shelter Finance Corporation Management and Analysts on Q2FY26 Performance and Outlook. Listen to the full earnings transcript.
Housing Finance company India Shelter Finance Corporation announced Q2FY26 results Profit after tax grew by 35% YoY to Rs 122 crore in Q2FY26. RoA stood at 5.8% in Q2FY26. RoE stood at 17.0% in Q2FY26. Borrowings & Liquidity: Networth came in at Rs 2,915 crore as of September’25. The company continues to carry a liquidity of Rs 2,082 crore as of September’25. In Q2FY26, the cost of funds improved by 10bps QoQ to 8.5%. In Q2FY26, spreads were stable at 6.4%. Asset Quality & Provisions: Gross Stage 3 and Net Stage 3 were at 1.2% and 0.9% as of September’25. Credit Cost for the quarter came in at 0.5%. Rupinder Singh, Managing Director & CEO, India Shelter Finance Corporation, said: We are pleased to announce that the Company delivered another quarter of sustained performance. We delivered an AUM growth of 31% YoY, reaching an AUM of Rs 9,252 crore. In Q2FY26, we disbursed Rs 931 crore, registering a growth of 12% YoY. In Q2FY26, we added 9 new branches as part of the branch expansion strategy, geographic presence stood at 299 branches as of 30th September 2025. Total employee strength as of Q2FY26 stood at 4,276 employees. On profitability metrics, PAT for the quarter came in at Rs 122 crore registering a growth of 35% YoY and 2% QoQ. RoE stood at 17.0%. Our Networth now stands at Rs 2,914 crore. Result PDF
Housing Finance company India Shelter Finance Corporation announced Q1FY26 results Profit after tax grew by 43% YoY to Rs 119 crore in Q1FY26. RoA improved to 6.0% in Q1FY26. RoE improved to 17.2% in Q1FY26. Borrowings & Liquidity: Networth is at Rs 2,836 crore as of June’25. The company continues to carry a liquidity of Rs 1,216 crore as of June’25. In Q1FY26, the cost of funds improved by 10bps to 8.6%. In Q1FY26, Spreads expanded by 20bps QoQ & 30bps YoY to 6.4% Asset Quality & Provisions: Gross Stage 3 and Net Stage 3 were at 1.2% and 0.9% as of June’25. 30+ DPD stood at 4.5% as of June’25. Credit Cost for the quarter came in at 0.5%. Rupinder Singh, Managing Director & CEO, India Shelter Finance Corporation said: We are pleased to announce that the Company delivered strong operational performance in the first quarter of FY26, driven by strong demand environment in the affordable housing segment. We delivered an AUM growth of 34% YoY, reaching an AUM of Rs 8,712 crore. In Q1FY26, we disbursed Rs 887 crore, registering a growth of 24% YoY. In Q1FY26, we added 24 new branches as part of the branch expansion strategy, geographic presence stood at 290 branches as of 30th June 2025. On profitability metrics, PAT for the quarter came in at Rs 119 crore registering a growth of 43% YoY and 10% QoQ. Our return ratios have been on an improving trend with RoA improving to 6.0% and RoE reaching 17.2% for the first time post the IPO in Dec’23. We have been successful in reducing our Cost of Funds by 10 bps to 8.6% with spreads improving to 6.4%, ensuring sustained profitability. Result PDF
Housing Finance company India Shelter Finance Corporation announced Q4FY25 results Financial Highlights: Profit after tax grew by 38% YoY to Rs 108 crore in Q4FY25. RoA improved to 5.8% in Q4FY25. RoE improved to 16.3% in Q4FY25. Borrowings & Liquidity: Networth is at Rs 2,709 crore as of March’25. The company continues to carry a liquidity of Rs 1,480 crore as of March’25. In Q4FY25, the cost of funds improved by 10bps to 8.7%. Asset Quality & Provisions: Gross Stage 3 and Net Stage 3 were at 1.0% and 0.8% as of March’25. 30+ DPD stood at 3.1% as of March’25. Credit Cost for the quarter came in at 0.2% Rupinder Singh, Managing Director & CEO, India Shelter Finance Corporation said: We are pleased to report yet another quarter and year of consistent performance. We remain committed to resilience and disciplined execution, ensuring strong financial and operational performance. Demand for affordable housing finance continues to accelerate across Tier II, Tier III, and fastgrowing micro-markets. Building on this momentum, with deep market penetration, a sturdy branch-led distribution model, and a digital-first engagement approach, we are closing credit gaps and enabling families to realise their homeownership dreams. During FY25, we continued to scale our operations and increase our distribution reach by adding 43 new branches across the nation totaling our branch presence to 266 as of FY25. We delivered an AUM growth of 35% YoY to Rs 8,189 crore supported by a disbursement growth of 25% YoY to Rs 933 crore. We continue to maintain strong on profitability, with PAT reaching Rs 108 crore for the quarter registering a growth of 39% YoY. Our return ratios have been on an improving trend with RoA improving to 5.8% and RoE reaching 16.3% for the first time post the IPO in Dec’23. We have been successful in reducing our Cost of Funds by 10 bps to 8.7% with spreads improving to 6.2%, ensuring sustained profitability. As we remain committed towards sustainable finance, we have introduced our ESG Policy, through the implementation of this policy, we seek to achieve a sustainable future for our stakeholders and future generations. Result PDF