India Shelter Finance Corporation Limited has informed the Exchange about Investor Presentation
INDIASHLTR · price
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India Shelter Finance Corporation reported strong FY26 results with Gross AUM growing 29% YoY to Rs. 11,044 Crore and PAT increasing 33% YoY to Rs. 503 Crore. Q4FY26 PAT stood at Rs. 138 Crore (up 27% YoY). The company maintained stable spreads at 6.6% while Cost of Funds improved by 50 basis points YoY to 8.2%, indicating successful borrowing cost optimization. Asset quality remained robust with Gross Stage 3 at 1.2% and Net Stage 3 at 0.9%, well below the company's guided range of 18%. The credit rating was upgraded to AA- (Stable) by IND RA. The company expanded its distribution network to 307 branches across 15 states, adding 41 branches during the year. ROE improved to 17.0% from 15.1% in FY25, while the company maintained its focus on underserved segments with 91% business from Tier II & III cities and 99% women borrowers.
The company delivered consistent double-digit growth with improving profitability metrics and robust asset quality, positioning it well for continued market share gains in the affordable housing finance segment. The stable spread and declining cost of funds suggest margin resilience despite a competitive environment.