India Shelter Finance Corporation Limited has released its investor presentation for the quarter and half-year ended September 30, 2026. The document provides a comprehensive overview of the company’s performance, including key financial metrics such as Gross AUM of ₹11,997 Crore and PAT of ₹146 Crore for Q2FY27. It also details the company’s growth journey, key success factors, and operational highlights.
India Shelter Finance Corporation: Q2FY27 Investor Presentation Released
India Shelter Finance Corporation Limited has submitted an investor presentation detailing its unaudited financial results for the quarter and half-year ended September 30, 2026. This presentation, in compliance with SEBI regulations, offers insights into the company’s operational and financial standing.
Q2FY27 Snapshot Highlights
The snapshot for Q2FY27 reveals key performance indicators. Gross AUM reached ₹11,997 Crore, reflecting a 23% YoY growth. Disbursement stood at ₹1,126 Crore, up 21% YoY. The company reported a Profit After Tax (PAT) of ₹146 Crore, marking a 19% YoY increase. Other notable metrics include 5,010 employees, a spread of 6.6%, and a Gross Stage 3 asset of 1.5%. The ROA was 5.7% and ROE was 17.3%. The secured book remained strong at 100%, with Net Stage 3 at 1.2%. Net Worth was reported at ₹3,401 Crore, and the company served 1,47,950 accounts. The Credit Cost was a low 0.6%, and the credit rating is AA- (Stable).
Company Overview and Growth Journey
The presentation outlines India Shelter’s core business, which involves providing affordable home loans and loans against property in Tier 2 and Tier 3 geographies. The company emphasizes its focus on underserved customer segments, including first-time mortgage borrowers, Tier II & III residents, and LIG/MIG individuals. Its portfolio is granular and pan-India, with 312 branches across 15 states. The company’s growth journey shows a consistent increase in Gross AUM, reaching ₹11,044 Crores in FY26, with a 39% CAGR from FY20-FY26. Key success factors highlighted include a 15-year vintage with deep customer understanding, a technology-driven scalable model, a diversified distribution network, robust underwriting processes, a professional management team, strong governance, and a diversified liability franchise.
Financial Performance and Key Ratios
Robust growth with profitability is a key theme. Disbursement, Gross AUM, and PAT have all shown strong YoY growth. Asset quality metrics remain healthy, with Stage 3/GNPA at 1.5% and Net Stage 3/NNPA at 1.2% as of Q2FY27. Collection efficiency is consistently high at 98%. The cost of funds has been trending downwards, with an incremental lending yield at 14.9% and incremental COF at 8.1%.
The ROE tree indicates a steady performance, with ROE at 17.3% in Q2FY27. Key ratios such as Leverage are at 3.0, and CRAR is at 53.5%. The historical financial snapshot shows consistent growth in Net Total Income, Profit after Tax, and Net Worth over the years.
Balance Sheet and Liquidity Position
The balance sheet as of September 2026 shows Total Assets of ₹10,435.5 Crore, with Loan Assets forming the largest component at ₹9,270.6 Crore. Sources of Funds are primarily driven by Borrowings (₹6,849.0 Crore) and Reserves & Surplus (₹3,346.3 Crore). The company maintains a comfortable liquidity position, with a Total Liquidity of ₹2,210 Cr as of Sept-26.
ESG Initiatives and Governance
The company is committed to Environmental, Social, and Governance (ESG) principles. Environmental initiatives include tree planting and maintenance, and carbon sequestration. Social initiatives focus on supporting children’s treatment, community healthcare, and mid-day meal programs. The Governance section highlights four independent directors on the board and a certified ISO/IEC 27001:2022 system. The SES ESG Score for 2026 is projected at 77.7.
Source: BSE
