India Shelter Finance Corporation Limited — PPTs, 07-08-2025: Investor Presentation

**Financial Highlights:**

India Shelter's Q1FY26 delivered strong growth: AUM up 34% YoY to 8,712 Cr, PAT surged 43% YoY to 119 Cr, and disbursements rose 24% YoY to 887 Cr. Profitability metrics improved significantly, with Annualized ROA at 6.0% and ROE at 17.2%. Spreads expanded to 6.4%, while asset quality remained stable with Gross Stage 3 at 1.2%.

**Strategic Initiatives & Growth Drivers:**

The company expanded its physical presence by adding 24 branches, now operating from 290 locations. Digital adoption is a key focus, with 96% digital collections and 99% e-signing. Strategic efforts concentrate on deepening branch penetration, optimizing borrowing costs, and leveraging technology for efficiency and risk management.

**Business Developments:**

India Shelter continues to grow its core affordable home loan and loan against property offerings, primarily targeting Tier 2 & 3 cities. Business expansion is driven by both widening its physical network and advancing digital integration across operations.

**Market Position & Competitive Advantage:**

Benefiting from 15 years of experience, India Shelter boasts deep understanding of the affordable housing segment. Its extensive Pan-India distribution and tech-enabled underwriting for a granular portfolio (Avg. Ticket Size Rs. 10 Lacs) provide a strong competitive edge.

**Investor Implications:**

Strong financial performance, expanding margins, and maintained asset quality indicate significant growth potential. The company's strategic focus on underserved markets and digital initiatives makes it an attractive consideration for investors eyeing long-term opportunities in affordable housing.