India Shelter Finance Corporation Limited — PPTs, 24-02-2025: Investor Presentation

India Shelter Finance Corporation Limited's investor presentation highlights impressive growth metrics and strategic initiatives.

**Financial Highlights:** For Q3FY25, the company reported a total income of Rs. 304.4 crore, an increase of 39% YoY, with profit after tax growing 54% YoY to Rs. 96.1 crore. The asset under management (AUM) stands at Rs. 7,619 crore, reflecting a 36% annual growth rate.

**Strategic Initiatives and Growth Drivers:** The firm aims at expanding its geographic presence while targeting underserved segments, with 70% of its clientele being first-time mortgage borrowers. Plans include opening 40-45 new branches over the next few years and maintaining AUM growth between 30-35%.

**Business Developments:** The company showcased a strong operational structure focused on tech-enabled underwriting and risk management, ensuring robust credit assessments and compliance.

**Market Position and Competitive Advantage:** India's mortgage penetration remains low compared to other countries, providing significant growth potential. With a high focus on women applicants (99%), the company leverages this demographic to strengthen its market position.

**Investor Implications:** The current trajectory suggests a positive outlook, with management emphasizing sustainable growth, stable credit ratings, and potential for continued expansion, making ISFC a noteworthy consideration for investors.