IndoStar Capital Finance Limited — PPTs, 20-01-2025: Investor Presentation

**Financial Highlights:**

IndoStar Capital Finance reported an AUM of ₹10,625 Cr for the quarter, up from ₹8,037 Cr year-on-year. Disbursements increased to ₹1,572 Cr compared to ₹1,345 Cr in Q3FY24. The profit after tax (PAT) for the quarter stands at ₹27.7 Cr, a notable growth from ₹16.9 Cr recorded in the previous year.

**Strategic Initiatives and Growth Drivers:**

The company continues to focus on cost optimization through technology, enhancing branch operations, and expanding its retail lending portfolio, particularly in micro loans. A strategic tie-up with corporate insurance agencies is expected to bolster their product offerings and risk management.

**Business Developments:**

IndoStar's long-term facilities' rating has been upgraded to ‘Stable.’ The diversification of funding sources, including successful securitization transactions, has ensured a robust cash position with undrawn lines of ₹1,976 Cr as of December 31, 2024.

**Market Position and Competitive Advantage:**

The company is strategically positioning itself by enhancing its footprint in tier 3 and tier 4 towns, capitalizing on underpenetrated segments of the market. This expansion is expected to drive growth amid increasing demand for retail and high-yield products.

**Investor Implications:**

The positive trajectory in disbursements and strengthened financial metrics indicate a promising outlook for investors. Continued focus on retail lending and operational efficiency positions IndoStar favorably in the competitive landscape.