India Shelter Finance Corporation Ltd — earnings calls
2 quarters summarised from transcripts filed with the exchange, every statement cited. Newest first.
India Shelter Finance reported gross AUM growth of 24% year-on-year to Rs 11,284 crores, with reported disbursements affected by a one-time accounting change from check handover to check realization recognition. PAT for Q1FY27 grew 23% year-on-year to Rs 143 crores, with ROE at 17.5%, while Stage 3 assets rose to 1.5% during the quarter. Management reiterated FY27 guidance on branch additions, spreads, credit cost, and loan growth, and stated it expects asset quality to stabilize in Q2FY27 with recovery starting from Q3FY27.
India Shelter Finance reported AUM growth of 29% year-on-year to Rs. 11,044 crores for FY26, with quarterly disbursements crossing Rs. 1,000 crores for the first time in Q4. PAT for the quarter came in at Rs. 138 crores, up 27% year-on-year, with return on equity at 17.6%, while asset quality metrics improved with Gross Stage-3 at 1.2% and Net Stage-3 at 0.9%. Management discussed a cautious operating environment due to LPG supply disruptions and geopolitical tensions, and set out growth and margin targets for the coming years.