India Shelter Finance Corporation Limited has informed the Exchange about Investor Presentation
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India Shelter Finance Corporation submitted its Q4 and FY25 investor presentation. AUM grew 35% YoY to Rs 8,189 Cr, with disbursements up 27% YoY at Rs 3,355 Cr for FY25. Q4 PAT rose 39% YoY to Rs 108 Cr, taking FY25 PAT to Rs 378 Cr, a 53% YoY jump. Asset quality strengthened, with GNPA improving to 1.0% and 30+ DPD falling to 3.1% from 3.7% the prior quarter. Cost of funds declined 10 bps QoQ to 8.7%, helping cost-to-income improve to 36.9% in Q4 from 38.1% a year ago, while ROA expanded to 5.8% and ROE to 16.3% in Q4. The company has a comfortable liquidity buffer of Rs 1,480 Cr, 266 branches across 15 states, and holds AA- (Stable) ratings from CARE, ICRA and IND RA.
The presentation highlights strong, broad-based growth with simultaneous improvement in margins, asset quality, and profitability, which should reinforce positive investor sentiment. The continued reduction in cost of funds and operating leverage are encouraging signs for sustained return profile.