India Shelter Finance Corporation Limited has informed the Exchange regarding a press release dated May 09, 2025, titled "The Investor Press Release on the Financial and Operational Performance of the Company for the quarter and year ended March 31, 2025".
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India Shelter Finance Corporation reported a strong Q4FY25 and FY25 with Assets Under Management (AUM) growing 35% year-on-year to Rs. 8,189 Crores, supported by 25% YoY growth in quarterly disbursements to Rs. 933 Crores. Profit after tax for the quarter rose 39% YoY to Rs. 108 Crores, while full-year PAT jumped 53% to Rs. 378 Crores. Profitability ratios improved notably, with Return on Assets rising to 5.8% and Return on Equity reaching 16.3% for the first time since the December 2023 IPO. Asset quality remained stable with Gross Stage 3 assets steady at 1.0%, and the company reduced its cost of funds by 10 basis points to 8.7%, helping spreads improve to 6.2%. The company also expanded its distribution network by adding 43 new branches in FY25, taking the total to 266 branches across 15 states.
Strong all-round performance with robust AUM and disbursement growth, expanding margins, improving return ratios, and stable asset quality is positive for shareholders. The continued improvement in cost of funds and spread expansion suggests sustained profitability momentum, likely to be viewed favorably by the market.