India Shelter Finance Corporation Limited — Updates, 06-02-2025: Press Release

**Financial Highlights**: India Shelter Finance reported a strong performance for Q3FY25 with AUM reaching ₹7,619 Cr, demonstrating a 36% YoY growth. Disbursements also increased by 29% YoY to ₹879 Cr, contributing to a PAT of ₹96 Cr, marking a 54% YoY increase. Return on Assets (RoA) improved to 5.5%, while Return on Equity (RoE) rose to 15.1%.

**Strategic Initiatives and Growth Drivers**: The company is focused on enhancing operational efficiency through technology, with 96% of collections processed digitally and 71% of service requests via its app. It also aims to expand its branch network, having added 5 new branches recently, expanding its presence to 265 branches across 15 states.

**Business Developments**: The continued demand in the affordable housing segment supported strong growth. The company maintained a healthy liquidity position of ₹1,752 Cr and sustained a low cost of funds at 8.8%.

**Market Position and Competitive Advantage**: With a focus on low- and middle-income segments in Tier 2 and 3 cities, India Shelter benefits from a broad distribution network and a diversified portfolio.

**Investor Implications**: The robust growth and strategic focus suggest a positive outlook for investors, with potential for continued expansion and profitability in a growing market for affordable housing.