ALFA Finder| Management target | Revenue 30.0% FY27 |
|---|
| Revenue growth | AUM growth guided at 25-30% for FY27. |
|---|---|
| Margins | Spreads stable at 6%; portfolio yield at 14.8%. |
| Demand visibility | Strong login and sanction pipeline cited by management. |
| Management confidence | High; July disbursements showed strong recovery at ₹400 Cr. |
Growth
Gross AUM grew 24% YoY to ₹11,284 Cr. PAT grew 23% YoY to ₹143 Cr. Net worth stands at ₹3,353 Cr.
Outlook
FY27 guidance reiterated: loan growth of 25-30%, 40-45 branch additions, and credit costs between 40-50bps.
Risks
Stage 3 assets increased to 1.5% due to seasonal factors and stress in self-employed/lower ticket-size cohorts.
Last quarter's promises, checked
Delivered
- Guided 40-45 branch additions → delivered 41 (= BEAT)
- Guided spreads > 6% → delivered 6% (= BEAT)
- Guided ROE > 17% → delivered 17.5% (= BEAT)
Partly delivered
- Guided disbursement growth > 20% → delivered 11% in Q4 (Partial recovery in July) (= PARTIAL)
Missed
- Guided AUM growth 25-30% → delivered 24% (= MISS)
- Guided credit cost 40-50bps → delivered Stage 3 at 1.5% (= MISS)
Earnings Call Transcript filed with BSE, NSE: INDIASHLTR. Summary written with AI assistance from the document.
India Shelter Finance Corporation Ltd: key numbers
- Share price
- ₹616.30
- Market cap
- ₹6,732 Cr
- Revenue (annual)
- ₹1,530 Cr
- Net profit (annual)
- ₹505.1 Cr
- P/E (TTM)
- 12.2×Sector 20.8×
- Promoter holding
- 45.91%-0.14% QoQ
- FII holding
- 7.35%Current quarter
Reference market data from a third-party provider, updated daily. Not a valuation or a recommendation.
More from India Shelter Finance Corporation Ltd
All →India Shelter Finance Corporation Employee Stock Options
India Shelter Finance granted 5,88,000 stock options to employees under its ESOP 2025 scheme. The options are exercisable within five years and three months of first vesting.
India Shelter Finance Corporation Debt & Borrowing: ₹75 Cr
India Shelter Finance raised Rs.75 Crore through private placement of NCDs on 30 July 2026. The full amount was utilised for onward lending, with no deviation.
- Value
- ₹75.00 Cr
India Shelter Finance Corporation Investor Presentation: Key Takeaways
Q2FY27: Gross AUM Rs 11,997 Cr (+23% YoY), PAT Rs 146 Cr (+19% YoY), ROE 17.3%, ROA 5.7%. Disbursement Rs 1,126 Cr (+21% YoY). Affordable home loans across 15 states, 312 branches.
India Shelter Finance Corporation Results Update
India Shelter reported Q2FY27 PAT of Rs. 146 Crs, up 19% YoY, with Gross AUM at Rs. 11,997 Crs. Disbursements rose 21% YoY to Rs. 1,126 Crs.
- new branches
- 5.0 branches
India Shelter Finance Corporation Q2 FY27 Results: Net Profit ₹145.6 Cr, Up 19.5% YoY
India Shelter Finance Corporation Ltd reported revenue from operations of ₹450.4 Cr (+22.1% YoY) and net profit of ₹145.6 Cr (+19.5% YoY) for Q2 FY27.
- Key figure
- Net profit ₹145.6 Cr · +19.5% YoY
India Shelter Finance Corporation Management Change
India Shelter Finance appointed Mr. Surendra Kumar Sihag as Chief - Strategy & Customer Excellence, a Senior Management Personnel, effective 02 Nov 2026. He brings over 25 years of experience in housing, retail and MSME finance.