Investor Presentation on the Audited Financial Results for the Quarter and Financial Year ended March 31, 2026
INDIASHLTR · price
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India Shelter Finance reported strong Q4FY26 results with Gross AUM of Rs. 11,044 Cr, growing 29% YoY. PAT for Q4FY26 was Rs. 138 Cr (27% YoY growth) and full-year PAT reached Rs. 503 Cr, up 33% YoY. Cost of Funds improved by 50bps YoY to 8.2% while spreads remained stable at 6.6%. Asset quality remained robust with Gross Stage 3 at 1.2% and Net Stage 3 at 0.9%. The company expanded its distribution to 307 branches across 15 states, adding 41 branches during the year. Capital position remains strong with CRAR at 55.8% and liquidity buffer of Rs. 2,028 Cr. Credit rating stands at AA- (IND RA).
The company demonstrates consistent profitability growth with improving cost of funds and stable margins, indicating effective liability management. Strong asset quality and capital adequacy support continued expansion in the affordable housing segment.