IndoStar Capital Finance Limited — PPTs, 09-02-2026: Investor Presentation

IndoStar Capital reported Q3FY26 results with Net Interest Income (NII) growing to **₹209.2 Cr**, up 16.1% YoY. Profit After Tax (PAT) was **₹8.3 Cr**, a decline from last year, primarily due to higher credit costs. Total Assets Under Management (AUM) stood at **₹7,692 Cr**. Vehicle Finance AUM was **₹7,155 Cr**, while Micro LAP AUM surged to **₹128 Cr** from **₹19 Cr** YoY, showcasing strong segment growth.

The company is transforming into a retail-centric, tech-driven NBFC, focusing on scaling used vehicle financing and Micro LAP. Digital tools and automated underwriting are enhancing efficiency, supported by an exit from Affordable Housing Finance.

Micro LAP, launched in FY2024-25, is gaining momentum with disbursements of **₹30 Cr** this quarter. Customer quality improved, with 89% now having CIBIL scores over 700.

Overall disbursements reached **₹1,117 Cr**. Gross Stage 3 improved YoY to **4.06%** (from 4.92%), and Net Stage 3 to **1.76%** (from 2.71%). Capital Adequacy Ratio is strong at **41.4%**. Net Interest Margin (NIM) significantly expanded to **8.6%** (from 5.4% YoY). Earnings Per Share (EPS) for the quarter was **₹0.6**. Management is focused on disciplined execution across its 448 branches, with weighted average cost of borrowings reducing to **10.3%**.