India Shelter Finance Corporation Limited has informed the Exchange about Transcript
INDIASHLTR · price
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India Shelter Finance delivered strong Q4FY26 results, crossing Rs. 11,044 crore AUM (29% YoY) and Rs. 500 crore annual profitability for the first time. Disbursements crossed Rs. 1,000 crore in Q4. ROE improved to 17.6%, exceeding the 17% threshold consistently. Asset quality improved significantly with Gross Stage-3 at 1.2% (down 29 bps QoQ) and 30+ DPD at 4% (down 100 bps QoQ). Management guided for 25-30% loan growth over the next 3 years with a target to reach Rs. 30,000 crore AUM by FY30. Branch expansion will continue at 40-45 per year. Spreads are expected to remain above 6%, and credit cost guidance is 40-50 bps. The company is maintaining a cautious approach given macroeconomic uncertainty while staying confident on long-term targets.
Strong execution with improving profitability and asset quality. Management's conservative near-term guidance (25-30% vs previous 30-35%) may signal caution, but multi-year Rs. 30,000 crore target and ROE above 17% remain intact, which is positive for long-term shareholders.