India Shelter Finance Corporation Limited — PPTs, 06-02-2025: Investor Presentation

**Financial Highlights:** For Q3FY25, India Shelter Finance Corporation reported a significant PAT of Rs. 96.1 Cr, up 54% YoY, contributing to a 59% rise in nine-month PAT to Rs. 269.7 Cr. Total income increased by 39% YoY to Rs. 304.4 Cr, driven by robust interest income which grew by 38% to Rs. 233.9 Cr. The company maintained a healthy credit cost of 0.5%.

**Strategic Initiatives and Growth Drivers:** The company achieved a remarkable AUM growth of 36% YoY, reaching Rs. 7,619 Cr, alongside a disbursement increase of 29% YoY to Rs. 879 Cr. Its operational efficiency improved with an Opex to AUM ratio of 4.3% and a cost to income ratio of 37.4%.

**Business Developments:** India Shelter expanded its branch network, adding five new locations, bringing its total to 265 across 15 states. This growth facilitates enhanced reach within underserved markets.

**Market Position and Competitive Advantage:** The firm continues to establish a strong foothold in Tier II and III cities, serving predominantly first-time mortgage borrowers, with 74% of its clientele being self-employed and 99% women applicants.

**Investor Implications:** With a focus on expanding its market presence and improving operational metrics, the company reflects a positive outlook for sustained growth, making it a noteworthy consideration for investors seeking opportunities in the affordable housing finance segment.