India Shelter Finance Corporation Limited — Investor Meet, 12-02-2026: Analysts/Institutional Investor Meet/Con. Call Updates

India Shelter Finance posted strong Q3FY26 results: Assets grew 31% YoY to ₹10,365 Cr, PAT surged 33% YoY to ₹128 Cr. ROE hit 17.1%. Gross Stage-3 (NPAs) rose to 1.5% as management took proactive steps on overdue accounts, expecting improvement to 1.3-1.4% by Q4. The company guides for 30% AUM growth in FY26-27, maintaining 6%+ spreads. Focus areas include digital sourcing (targeting 10% of disbursements) and branch expansion. Management is confident in asset quality improvement and long-term growth driven by affordable housing demand.