India Shelter Finance Corporation Limited — PPTs, 09-05-2025: Investor Presentation

1. Financial Highlights:

India Shelter Finance Corporation’s AUM rose 35% YoY to Rs. 8,189 Cr, with quarterly disbursements up 25% YoY at Rs. 933 Cr. Net income increased 33% YoY to Rs. 226 Cr and PAT grew 39% YoY to Rs. 108 Cr. Asset quality remains strong with Gross Stage 3 at 1.0% and Net Stage 3 at 0.8%. Cost of funds improved to 8.7%, supporting healthy spreads and better operating efficiency—Opex to AUM stood at 4.2%, Cost to Income at 36.9%. Annualized ROA and ROE expanded to 5.8% and 16.3% respectively. Net worth is Rs. 2,709 Cr with borrowings of Rs. 4,969 Cr backing growth.

2. Strategic Initiatives & Growth Drivers:

The company is expanding across Tier II and III cities with 266 branches in 15 states. Digital adoption is high, with 95% collections and 99% e-sign processes, improving customer experience and turnaround. Liquidity remains sufficient with a Rs. 1,480 Cr buffer. Growth is focused on first-time homebuyers, self-employed, and women, supported by tech-enabled underwriting via a Business Rule Engine ensuring disciplined risk controls.

3. Business Developments:

No significant acquisitions or partnerships. Growth is driven by co-lending partnerships and diversified funding sources such as banks, NHB, and ECBs. The company emphasizes digital loan approvals and branch expansion while scaling internal technology capabilities.

4. Market Position & Competitive Advantage:

India Shelter commands a leadership spot in affordable housing finance with 15 years’ experience. Its focused approach on underserved LIG and MIG segments and wide branch network combined with tech-driven underwriting delivers a scalable and low-risk portfolio with geographic diversification.

5. Investor Implications:

Strong AUM and profit growth alongside improving asset quality and operating efficiency highlight positive growth potential. Robust digital adoption and deep market reach support scalability. Investors should watch credit costs and competitive pressures. Healthy liquidity and stable credit ratings reinforce confidence in sustained execution.