Risks
3 risks
Risk Intelligence
Geopolitical tensions and LPG supply disruptions
View Risks →India Shelter Finance Corporation Ltd — Q4 FY26
India Shelter delivered a strong Q4 FY26 with AUM crossing ₹11,044 crore (up 29% YoY) and PAT of ₹138 crore (up 27% YoY).
bullish
high
✓ Verified against BSE filing
2-Minute Summary
✦ AI-Generated from Full Transcript
India Shelter delivered a strong Q4 FY26 with AUM crossing ₹11,044 crore (up 29% YoY) and PAT of ₹138 crore (up 27% YoY). Disbursements crossed ₹1,000 crore for the first time in a quarter. Asset quality improved sharply: 30+ dpd improved 100 bps QoQ to 4%, gross stage 3 fell 29 bps to 1.2%, and net stage 3 improved to 0.9%. The company maintained spreads above 6% and guided for 25-30% AUM growth over the next 3 years, targeting ₹30,000 crore AUM by 2030. Branch expansion continues at 40-45 per year. Credit cost guidance remains 40-50 bps. Key risk: geopolitical tensions and LPG supply disruptions could pressure informal income segments, though no immediate impact seen.
Risks3 trackedTranscriptfull text
Research workspace
Focused Modules
Transcript
Full text
Call Transcript
Full transcript text is available on this route.
Read Transcript →Quarter Snapshot
AUM
₹11,044 Cr
+29% YoY
Assets under management grew 29% year-on-year, crossing ₹11,000 crore.
Disbursements
₹1,000+ Cr
+11% QoQ
Quarterly disbursements crossed ₹1,000 crore for the first time.
Gross Stage 3
1.2%
-29 bps QoQ
Gross NPAs improved 29 basis points quarter-on-quarter to 1.2%.
Cost to Income
36%
-100 bps YoY
Cost-to-income ratio improved 100 basis points year-on-year to 36%.
Fast read
Guidance and risk preview
Management guided for loan growth of 25-30% annually over the next three years, targeting ₹30,000 crore AUM by 2030.
Ongoing geopolitical uncertainties and LPG supply disruptions could pressure informal income segments, though no immediate impact seen.
View Risks →