India Shelter Finance Corporation Limited — PPTs, 07-02-2026: Investor Presentation

**1. Business Performance:**

India Shelter Finance (INDISHLTR) delivered robust Q3FY26 results. Gross Managed Assets grew 31% YoY to ₹10,365 Cr. Profit After Tax (PAT) surged 33% YoY to ₹128 Cr, with Net Total Income up 30% YoY to ₹276 Cr.

**2. Growth Drivers or Strategy:**

Network expansion continues, adding 35 branches YTD for 301 total across 15 states. Tech is key, with 95% digital collections and 99% e-signing boosting efficiency and scalability.

**3. Recent Developments:**

AUM now exceeds ₹10,000 Cr. Cost of funds improved 20bps QoQ to 8.3%, expanding spreads to 6.6%.

**4. Key Financial Metrics:**

Q3FY26 saw ROA at 5.8% and ROE at 17.1%. Asset quality remains stable: Gross Stage 3 at 1.5%, Net Stage 3 at 1.2%. Average ticket size is ₹10 Lakhs, LTV 52%.

**5. Management Commentary / Outlook:**

Management highlights focus on underserved segments (Tier 2/3, self-employed, women), backed by robust asset quality and governance. Future plans include deeper branch penetration, optimizing borrowing costs, and continued tech adoption.