India Shelter Finance Corporation Limited — Investor Meet, 13-08-2025: Analysts/Institutional Investor Meet/Con. Call Updates

India Shelter Finance reported strong Q1FY26 results, with Profit After Tax up 43% YoY to Rs. 119 Cr. Assets Under Management (AUM) grew 34% YoY to Rs. 8,712 Cr, and disbursements rose 24% YoY to Rs. 887 Cr. Return on Equity (ROE) hit 17.2%. Lending margins improved to 6.4%, while cost of funds reduced to 8.6%, with further cuts expected. Asset quality saw a seasonal uptick (30+ DPD at 4.5%, Stage 3 at 1.2%), but the company maintains its 40-50 bps credit cost guidance, expecting improvement by year-end. Operational efficiency improved with Opex to AUM at 4.2%, driven by tech initiatives and strategic branch expansion (24 new branches in Q1). The company holds a confident outlook with a 30-35% loan growth guidance.