India Shelter Finance Corporation Limited has informed the Exchange about Transcript
INDIASHLTR · price
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India Shelter Finance Corporation reported a strong Q4 FY25, with AUM growing 35% YoY to Rs. 8,189 crores and disbursements of Rs. 933 crores in the quarter. PAT crossed Rs. 100 crores for the first time at Rs. 108 crores (up 39% YoY), with full-year PAT at Rs. 378 crores (up 53%). RoA stood at 5.8% for the quarter and RoE improved to 16.3%, a post-IPO high. Asset quality strengthened with Stage 3 at 1% and DPD 30 at 3.1%, while credit cost came in at 40 bps for the year. Management reiterated guidance of 30–35% loan growth, ~6% margins, 40–50 bps credit cost, and 40–45 new branches, with a long-term target of Rs. 30,000 crores AUM by March 2030. Leverage is expected to rise to ~4x in two years, which may moderate RoA to ~4.5%.
Strong operational performance and improved margins are positive for shareholders, though expected leverage increase may dilute RoA over time. The multi-year AUM target and consistent returns suggest steady growth visibility for the stock.