India Shelter Finance Corporation Limited (ISFC) reported a strong financial performance for Q3 FY26, with net profit after tax increasing by 33% YoY to ₹128 crore. Gross managed assets grew by 31% YoY reaching ₹10,365 crore. The company continues to focus on affordable housing loans in Tier 2 and 3 cities, maintaining asset quality and improving operational efficiency.
Financial Performance Highlights
India Shelter Finance Corporation Limited (ISFC) reported strong Q3 FY26 results, demonstrating robust growth and profitability:
- Net Profit After Tax (PAT): Increased by 33% YoY to ₹128 crore (compared to ₹96 crore in Q3 FY25).
- Gross Managed Assets (GMA): Grew by 31% YoY to ₹10,365 crore.
- Disbursement: ₹977 crore in Q3 FY26.
Key Operational Metrics
ISFC continued to focus on key operational improvements during the quarter:
- Spread: Expanded to 6.6%.
- Return on Equity (ROE): 16.6% (17.1% adjusted).
- Gross Stage 3: 1.5%.
Business and Expansion
- Portfolio Loan to Value (LTV) maintained at 52%.
- Average Ticket Size (ATS) remains at ₹10 Lakhs.
- Added 2 new branches in Q3 FY26, bringing the total to 301 locations.
Asset Quality
- Gross Stage 3 and Net Stage 3 at 1.5% and 1.2% respectively as of December 31, 2025.
- Credit Cost for the quarter at 0.6%.
Funding and Liquidity
- Cost of Funds (COF) improved by 20 bps QoQ and 50 bps YoY to 8.3% as of December 2025.
- Liquidity buffer stood at ₹1,818 crore as of December 31, 2025.
Digital Transformation
- Company now processes 95% digital collections.
- 99% e-signing of applications.
Source: BSE
