India Shelter Finance Corporation Limited — Investor Meet, 15-05-2025: Analysts/Institutional Investor Meet/Con. Call Updates

India Shelter Finance’s AUM grew 35% YoY to Rs. 8,189 Cr, Q4 disbursements rose 25% to Rs. 933 Cr, and PAT increased 39% YoY to Rs. 108 Cr. RoA stood at 5.8% and RoE above 16.3%, with margin improvement to 6.2%. Branch count expanded to 266. Asset quality remained strong with 30+ DPD at 3.1%, credit cost at 40 bps. Focus on Tier 2/3 direct sourcing, aiming Rs. 30,000 Cr AUM by FY30, margin steady near 6%. Growth backed by affordable housing, diversification, and ESG efforts. Leverage to rise near 4x; RoA expected to moderate, RoE to sustain above 16%. Management is cautiously optimistic amid competition and regulatory pressures.