India Shelter Finance Corporation Ltd (INDIASHLTR) Q1FY27 Concall Summary - Jun-2026 Qtr
Performance Overview
- The company reported a steady quarter, consciously transitioning its disbursement recognition policy from cheque handover to cheque realization, which caused a one-time impact on reported disbursement figures.
- Despite the accounting change, the underlying business momentum remained strong, with gross AUM growing 24% year-on-year to INR 11,284 crores.
- Asset quality saw a seasonal uptick in stress, with Stage 3 assets increasing to 1.5%. Management expects this to stabilize in Q2 and improve from Q3 onwards.
- Profitability remained robust, with Profit After Tax (PAT) growing 20% year-on-year to INR 143 crores, leading to a Return on Equity (ROE) of 17.5%.
- Management reiterated its full-year guidance, projecting AUM growth of 25-30%, maintaining spreads over 6%, and keeping credit costs between 40-50 basis points.
Financial Metrics
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Operating Performance / Business Segments
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Key Discussions & Insights
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Outlook and Guidance
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Challenges / Concerns
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Industry / Competitive Landscape
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Overall Summary
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