India Shelter Finance Corporation Limited — PPTs, 04-11-2025: Investor Presentation

**Business Performance:** India Shelter Finance posted strong Q2FY26 and H1FY26 results. Assets Under Management (AUM) grew 31% YoY to ₹9,252 Cr. Profit after Tax (PAT) jumped 35% YoY to ₹122 Cr in Q2FY26, and 39% YoY to ₹241 Cr for H1FY26. Disbursements rose 12% YoY to ₹931 Cr for the quarter, largely targeting first-time, self-employed borrowers in Tier 2 and Tier 3 cities.

**Growth Drivers & Strategy:** The company expanded its network by 9 branches this quarter, reaching 299 locations. Tech-driven operations, with 95% digital collections and 99% e-signing, enhance scalability. Cost of Funds improved to 8.5%, boosting spreads to 6.4%. Strategic focus includes deepening branch penetration, scaling co-lending, and enhancing brand presence in target markets.

**Recent Developments & Outlook:** AUM crossed ₹9,000 Cr and quarterly PAT exceeded ₹100 Cr. IND RA upgraded the credit rating to AA- (Stable). Management aims to further leverage technology for efficiency and continue strong growth in underserved segments. Key metrics like Q2FY26 Annualized RoA at 5.8% and RoE at 17.0%, alongside stable Gross Stage 3 at 1.2%, indicate robust financial health.