IndoStar Capital Finance Limited — Investor Meet, 06-05-2025: Analysts/Institutional Investor Meet/Con. Call Updates

IndoStar Capital Finance reported Q4 consolidated AUM up 26% YoY at INR11,053 Cr, with retail loans at 95% of the book. Net interest income rose 36% YoY to INR175 Cr; net profit improved to INR36 Cr from INR27 Cr last quarter. Collection efficiency stood at 97%; gross Stage 3 at 4.52%. New micro LAP business launched targeting INR300 Cr AUM in a year. Housing finance subsidiary Niwas’s AUM crossed INR3,000 Cr (+36% YoY) with Q4 PAT of INR23.7 Cr and ROA at 3.2%. Management aims to optimize costs (targeting ~50% cost-to-income), grow AUM 12-15% in FY26, and maintain asset quality amid steady recoveries and improving funding costs.