| Management target | Revenue 27.5% FY27 |
|---|
| Margins | Spreads stable at 6.6%; Cost of Funds improved 40bps to 8.2%. |
|---|---|
| Demand visibility | Strong sanction and login pipeline; housing shortage estimated at 100mn units. |
| Management confidence | High; maintaining growth guidance despite accounting transition. |
Growth
AUM grew 24% YoY; Net Income up 22% YoY to Rs. 312 Cr; PAT grew 20% YoY to Rs. 143 Cr.
Outlook
Management maintains FY27 AUM growth guidance of 25-30%. Plan to open 40-45 new branches this financial year.
Risks
Gross Stage 3 assets rose to 1.5% from 1.2% YoY. Credit costs increased 31% YoY to 0.5%.
Last quarter's promises, checked
Delivered
- Guided 40-45 branch additions → delivered 41 (= BEAT)
- Guided Spreads >6% → delivered 6.6% (= BEAT)
- Guided Credit cost 40-50 bps → delivered 50 bps (= BEAT)
Missed
- Guided AUM Growth 25-30% → delivered 24% (= MISS)
Investor Presentation filed with BSE, NSE: INDIASHLTR. Summary written with AI assistance from the document.
India Shelter Finance Corporation Ltd: key numbers
- Share price
- ₹654.30
- Market cap
- ₹7,145 Cr
- Revenue (annual)
- ₹1,530 Cr
- Net profit (annual)
- ₹505.1 Cr
- P/E (TTM)
- 13.5×Sector 22.0×
- Promoter holding
- 46.05%-1.49% QoQ
- FII holding
- 6.86%Current quarter
Reference market data from a third-party provider, updated daily. Not a valuation or a recommendation.
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