India Shelter Finance Corporation Limited has announced its unaudited financial results for the second quarter and half-year ended September 30, 2026. The company reported a 27% year-on-year growth in Gross AUM, reaching ₹11,997 crores. Profitability remained strong with a Return on Equity (ROE) of 17.3% for the quarter. The company also provided guidance for the full financial year, expecting Gross AUM growth of around 25% to 30%.
India Shelter Finance Q2 FY27 Earnings Highlights
India Shelter Finance Corporation Limited has officially disclosed its financial performance for the quarter and half-year ending September 30, 2026. The company has demonstrated robust growth across key financial metrics, underscoring its strategic execution and market positioning.
Key Financial Performance Metrics
During the second quarter of FY27, India Shelter Finance achieved a significant 27% year-on-year growth in its Gross AUM, bringing the total to ₹11,997 crores. This growth trajectory is aligned with the company’s FY30 target of ₹30,000 crores. Disbursements also saw a healthy increase, with ₹1,126 crores disbursed during the quarter, marking a 21% year-on-year growth.
Profitability remained a strong point, with the company consistently delivering over 17% ROE for the last six consecutive quarters. The Profit After Tax (PAT) for the half-year grew by 20% year-on-year. The company’s net worth now stands at a substantial ₹3,401 crores.
Asset Quality and Operational Efficiency
Asset quality showed improvement, with collection efficiency rising to 98%. Stage 3 and 30-plus Non-Performing Assets (NPAs) remained stable at 1.5% and 5.2%, respectively. The company continues to focus on operational efficiency, with Opex to AUM remaining stable at 4%.
Outlook and Guidance
For the full financial year 2027, India Shelter Finance reiterates its guidance, which includes:
- Branch addition of 40-45 branches.
- Maintaining spreads of more than 6% in the medium term.
- Credit cost between 40 bps to 50 bps.
- Gross AUM growth of around 25% to 30%.
The company also highlighted investments in digital solutions and AI tools to enhance productivity and efficiencies, anticipating these initiatives will yield benefits in the coming quarters. The management expressed confidence in achieving the projected growth and maintaining profitability amidst a dynamic market environment.
Source: BSE
