India Shelter Finance Corporation Ltd (INDIASHLTR) Q4FY26 Concall Summary - Mar-2026 Qtr
Performance Overview
- The company delivered a strong and consistent performance, crossing an AUM of 11,000 crores and achieving a PAT of over 500 crores for the year.
- AUM grew by 29% YoY, reaching 11,044 crores, supported by record quarterly disbursements that crossed 1,000 crores for the first time.
- Asset quality showed significant improvement, with Gross Stage 3 assets declining to 1.2% and Net Stage 3 assets improving to 0.9%, driven by effective collections and resolutions.
- Profitability metrics remained robust, with PAT for the quarter at 138 crores (up 27% YoY) and Return on Equity (ROE) improving to 17.6%.
- The company maintained its strategic focus on granular market expansion, adding 41 new branches during the year, and demonstrated operational efficiency with a lower cost-to-income ratio of 36%.
Financial Metrics
Log in to Stocksigma to read the Financial Metrics section of this summary.
Operating Performance / Business Segments
Log in to Stocksigma to read the Operating Performance / Business Segments section of this summary.
Key Discussions & Insights
Log in to Stocksigma to read the Key Discussions & Insights section of this summary.
Outlook and Guidance
Log in to Stocksigma to read the Outlook and Guidance section of this summary.
Challenges / Concerns
Log in to Stocksigma to read the Challenges / Concerns section of this summary.
Industry / Competitive Landscape
Log in to Stocksigma to read the Industry / Competitive Landscape section of this summary.
Overall Summary
Log in to Stocksigma to read the Overall Summary section of this summary.