India Shelter Finance Corporation announced strong financial results for Q3FY26. Profit After Tax (PAT) increased by 33% YoY to ₹128 Crs. Gross Managed Assets reached ₹10,365 Crs, demonstrating growth of 31% YoY. The company’s Return on Equity (RoE) stood at an impressive 17.1%. These results highlight the company’s sustained performance and robust growth trajectory.
Key Financial Highlights for Q3FY26
India Shelter Finance Corporation has reported a strong financial performance for the quarter ended December 31, 2025 (Q3FY26). Key highlights include:
- Gross Managed Assets: Increased to ₹10,365 Crs, a 31% increase compared to Q3FY25.
- Disbursements: Reached ₹977 Crs, an 11% increase YoY.
- Profit After Tax (PAT): Grew by 33% to ₹128 Crs compared to ₹96 Crs in Q3FY25.
- Return on Equity (RoE): Stood at 17.1%.
Nine-Month Performance (9MFY26)
The company’s performance for the nine months ended December 31, 2025, also showcased robust growth:
- Gross Managed Assets: ₹10,365 Crs, up 31% from ₹7,888 Crs in 9MFY25.
- Disbursements: Totaled ₹2,794 Crs, representing a 15% increase YoY.
- PAT: Reached ₹369 Crs, a significant increase of 37% compared to ₹270 Crs in 9MFY25.
Management Commentary
According to Mr. Rupinder Singh, Managing Director and CEO, the company delivered another quarter of sustained performance. He highlighted the annual growth in Gross Managed Assets, which grew by 31% YoY to ₹10,365 Crs. In Q3FY26, the company disbursed ₹977 Crs and added 2 new branches, bringing the total branch count to 301. The total employee strength stood at 4,669 employees.
Other Key Metrics
- Spread: 6.6%
- Opex/GMA: 4.0%
- Return on Assets (ROA): 5.8%
The company’s Networth stands at ₹3,048 Crs as of December 2025. India Shelter continues to maintain a strong liquidity position of ₹1,818 Crs as of December 2025. The cost of funds improved by 20bps QoQ to 8.3%, and spreads improved by 20bps to 6.6%. Gross Stage 3 and Net Stage 3 assets were at 1.5% and 1.2% respectively, as of December 2025.
Source: BSE
