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Latest filing: 2026-08-14 11:28
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₹143 Cr PAT: India Shelter Q1FY27 PAT up 23%; AUM grows 24% to ₹11,284 Cr
India Shelter reported a 23% YoY increase in PAT to ₹143 Cr for Q1FY27, with Gross AUM growing 24% to ₹11,284 Cr. A one-time accounting change to 'check realization' for disbursements resulted in a lower reported figure of ₹641 Cr, though actual bank clearances were ₹1,046 Cr (up 37% YoY). Management reiterated FY27 guidance of 25-30% AUM growth and 40-45 branch additions. Asset quality saw a seasonal uptick in Stage 3 assets to 1.5%, with recovery expected by Q3.
Confidence: HIGH
What changedTransitioned disbursement recognition from 'check handover' to 'check realization', creating a one-time reporting lag in Q1.
Why it mattersEnsures tighter operational control; underlying business momentum remains strong with 37% growth in actual fund clearances.
PAT (Q1FY27): ₹143 CrPAT (Q1) vs TTM PAT: ~28.4%AUM Growth (YoY): 24%Stage 3 Assets: 1.5%July Disbursement: ₹400 CrAUM vs Net Worth: 3.36x
📅 Short termPositive outlook as July data confirms the disbursement dip was purely accounting-related and momentum is recovering.
📈 Long termStrong structural growth in affordable housing with consistent 25-30% AUM growth targets and branch expansion strategy.
⚠ Risk flags
- Seasonal delinquency spikes
- Interest rate sensitivity in the LIG/EWS segment
Key Highlights
PAT increased 23% YoY to ₹143 Cr; ROE stood at 17.5% for Q1FY27
Gross AUM grew 24% YoY to ₹11,284 Cr as of June 2026
Bank clearance disbursements rose 37% YoY to ₹1,046 Cr, despite reported figures of ₹641 Cr
Stage 3 assets rose 30 bps to 1.5% due to seasonal factors
July 2026 disbursements reached ~₹400 Cr, showing strong post-quarter momentum
👀 What to Watch
Monitor the stabilization of Stage 3 assets in Q2 and the execution of the 40-45 branch expansion plan to meet the 25-30% AUM growth target.
24% AUM Growth to ₹11,284 Cr in Q1FY27; PAT Rises 20% to ₹143 Cr
India Shelter Finance reported a 24% YoY growth in Gross AUM to ₹11,284 Cr for Q1FY27, with PAT increasing 20% to ₹143 Cr. The company transitioned its disbursement recognition to a 'cheque realization' basis, resulting in reported disbursements of ₹641 Cr, though clearance-basis disbursements were higher at ₹1,046 Cr. Asset quality saw a slight moderation with Gross Stage 3 assets rising to 1.5% from 1.2% YoY. Spreads remained stable at 6.6%, supported by a 40 bps YoY improvement in the Cost of Funds to 8.2%.
Confidence: HIGH
What changedThe company reported its Q1FY27 financial results and transitioned its accounting for disbursements from 'cheque handover' to 'cheque realization'.
Why it mattersThe results confirm the company's ability to maintain high profitability (5.8% ROA) and strong AUM growth in the affordable housing segment despite a slight uptick in non-performing assets.
Gross AUM: ₹11,284 CrPAT (Q1FY27): ₹143 CrSpread: 6.6%Cost of Funds: 8.2%Gross Stage 3: 1.5%Return on Equity (ROE): 17.5%
📅 Short termThe stock may see neutral to positive sentiment as strong AUM growth and stable spreads offset the slight increase in Stage 3 assets and the accounting-led dip in reported disbursements.
📈 Long termThe company maintains a structural growth trajectory with a 39% AUM CAGR since FY20, supported by deep penetration in Tier II/III cities and a focus on first-time mortgage borrowers.
⚠ Risk flags
- Asset quality moderation (Gross Stage 3 up to 1.5%)
- High exposure to self-employed borrowers (78%)
- 30+ DPD at 5.2% indicates potential future stress
Key Highlights
Gross AUM grew 24% YoY to ₹11,284 Cr as of June 30, 2026
Profit After Tax (PAT) increased 20% YoY to ₹143 Cr from ₹119 Cr
Cost of Funds improved by 40 bps YoY to 8.2% as of June 2026
Branch network expanded to 307 locations with a target to add 40-45 branches in FY27
Gross Stage 3 assets stood at 1.5% compared to 1.2% in Q1FY26
👀 What to Watch
Investors should monitor the stabilization of asset quality as Gross Stage 3 rose to 1.5% and 30+ DPD reached 5.2%. Watch for the execution of the planned 40-45 branch expansion to sustain the 25-30% AUM growth guidance.
20% YoY PAT Growth to ₹143 Cr; Gross AUM Rises 24% to ₹11,284 Cr in Q1FY27
India Shelter Finance reported a 20% YoY increase in PAT to ₹143 Cr for Q1FY27, driven by a 24% growth in Gross AUM to ₹11,284 Cr. Reported disbursements appeared lower at ₹641 Cr due to a one-time accounting transition to 'cheque realization' basis; however, disbursements at clearance were higher at ₹1,046 Cr. Profitability remains robust with an RoA of 5.8% and RoE of 17.5%, although Gross Stage 3 assets saw a slight uptick to 1.5% from 1.2% YoY. The company maintains a strong liquidity position of ₹2,423 Cr.
Confidence: HIGH
What changedIndia Shelter reported its Q1FY27 financial results and implemented a one-time accounting change for disbursement recognition (from cheque handover to realization).
Why it mattersThe results confirm the company's ability to maintain 20%+ growth in a competitive affordable housing segment while keeping spreads stable above 6%.
Gross AUM: ₹11,284 CrPAT (Q1FY27): ₹143 CrPAT vs TTM PAT: 28.4%Gross Stage 3: 1.5%Return on Equity (RoE): 17.5%Liquidity: ₹2,423 Cr
📅 Short termThe stock may see neutral-to-positive movement as the market digests the accounting-led disbursement dip versus the actual clearance growth of ₹1,046 Cr.
📈 Long termStructural growth remains intact with a 24% AUM CAGR; maintaining high RoA (5.8%) is significant for long-term valuation in the HFC sector.
⚠ Risk flags
- Slight deterioration in asset quality (GS3 up 30bps YoY)
- Accounting change temporarily masking disbursement trends
Key Highlights
Gross AUM reached ₹11,284 Cr, a 24% increase over Q1FY26.
Profit After Tax (PAT) grew 20% YoY to ₹143 Cr, accounting for ~28% of TTM PAT.
Spreads remained stable at 6.6% with a cost of funds at 8.2%.
Gross Stage 3 assets increased to 1.5% from 1.2% in the year-ago period.
Branch network expanded to 307 units across 15 states, up from 299 in September 2025.
👀 What to Watch
Investors should monitor the stabilization of Gross Stage 3 assets in the coming quarters and track if the new disbursement recognition policy impacts reported growth consistency.
India Shelter Q1 PAT Grows 20% YoY to ₹143 Cr; Revenue Up 20% to ₹432 Cr
India Shelter Finance reported a steady Q1 FY27 with Net Profit rising 19.9% YoY to ₹143.02 Cr, compared to ₹119.24 Cr in the same quarter last year. Revenue from operations grew 19.8% YoY to ₹432.39 Cr, though sequential growth was more modest at 5.3% over Q4 FY26. Finance costs increased to ₹121.12 Cr from ₹106.46 Cr YoY, reflecting the higher interest rate environment. Asset quality remains a focus as impairment charges rose to ₹13.41 Cr from ₹10.24 Cr in the year-ago period.
Confidence: HIGH
What changedThe company has reported its first-quarter results for FY27, showing sustained double-digit growth in profitability and revenue compared to the previous year.
Why it mattersThe results demonstrate the company's continued execution in the affordable housing segment, maintaining margins despite rising borrowing costs and slightly higher credit costs.
Q1 Net Profit: ₹143.02 CrQ1 Revenue: ₹432.39 CrYoY PAT Growth: 19.9%YoY Revenue Growth: 19.8%Security Cover Ratio: 1.10x
📅 Short termThe stock may see neutral to positive sentiment as the results are steady and align with the company's growth trajectory without major negative surprises.
📈 Long termThe long-term outlook depends on the company's ability to scale its branch network and maintain its niche focus on the underserved self-employed segment while managing credit risks.
⚠ Risk flags
- Rising impairment charges (up 31% YoY)
- Increasing finance costs impacting spreads
Key Highlights
Net Profit increased 19.9% YoY to ₹143.02 Cr from ₹119.24 Cr in Q1 FY26
Revenue from operations rose 19.8% YoY to ₹432.39 Cr from ₹360.93 Cr
Earnings Per Share (EPS) improved to ₹13.15 from ₹11.05 in the previous year's first quarter
Finance costs grew by 13.8% YoY to ₹121.12 Cr
Impairment on financial instruments increased to ₹13.41 Cr, up from ₹10.24 Cr YoY
👀 What to Watch
Monitor the company's ability to maintain its 30-35% AUM growth target and track whether the rising impairment charges signal any stress in the self-employed borrower segment.
₹100 Crore NCD Issuance at 8.10% Fixed Coupon for 5-Year Tenure
India Shelter Finance (INDIASHLTR) has approved the private placement of secured, rated Non-Convertible Debentures (NCDs) totaling ₹100 crore. The issue includes a base size of ₹75 crore and a green shoe option of ₹25 crore. The NCDs carry a fixed coupon of 8.10% per annum, payable quarterly, with a 5-year maturity period. This fundraise represents approximately 3.1% of the company's net worth of ₹3,198 crore, supporting its ongoing lending operations.
Confidence: HIGH
What changedThe company has finalized the terms for a ₹100 crore debt raise via private placement of NCDs, following a prior board intimation on July 15, 2026.
Why it mattersFor a housing finance company, securing long-term (5-year) funding at a fixed rate is crucial for managing asset-liability maturity and supporting loan disbursements to its target segment of self-employed borrowers.
Total Issue Size: ₹100 CrCoupon Rate: 8.10% p.a.Tenure: 60 monthsIssue vs Net Worth: ~3.1%Asset Cover: 1.10 times
📅 Short termThe announcement is unlikely to move the stock significantly as it is a routine fundraise for an NBFC/HFC to support business growth.
📈 Long termDemonstrates consistent access to capital markets, which is essential for sustaining the company's projected 30-35% growth trajectory and branch expansion plans.
⚠ Risk flags
- Dependency on wholesale funding markets
- Interest rate risk if cost of funds increases for future tranches
Key Highlights
Total issue size of ₹100 crore, including a ₹25 crore green shoe option.
Fixed coupon rate of 8.10% p.a. with interest and principal payable on a quarterly basis.
Tenure of 60 months (5 years) from the deemed date of allotment.
Secured by first and exclusive hypothecation charge on standard receivables with 1.10x asset cover.
Issuance consists of 10,000 NCDs with a face value of ₹1,00,000 each.
👀 What to Watch
Investors should monitor the company's ability to maintain its 6%+ spreads as it raises new debt at 8.10% to fund its 30-35% AUM growth target.
₹10 Final Dividend Approved at India Shelter Finance 28th AGM
Shareholders of India Shelter Finance (INDIASHLTR) have approved a final dividend of ₹10 per equity share for FY26 during the 28th AGM held on July 16, 2026. The dividend represents a 200% payout on the face value of ₹5, with an estimated total outflow of ~₹108.85 Cr, which is approximately 21.6% of the TTM PAT of ₹503 Cr. All resolutions, including the re-appointment of Director Mr. Sumir Chadha and the adoption of FY26 financial statements, were passed with a significant majority. Institutional participation was robust, with 89.32% of institutional shares voted.
Confidence: HIGH
What changedFormal shareholder approval has been obtained for the FY26 financial statements, the ₹10 per share dividend, and the re-appointment of a key director.
Why it mattersThe approval confirms a cash return to shareholders and ensures board continuity. The dividend yield of ~1.23% is supported by a healthy payout ratio of ~21.6% of TTM profits.
Final Dividend: ₹10 per shareDividend vs TTM PAT: ~21.6%Dividend Yield: ~1.23%Total Shares: 10,88,54,555Institutional Voting: 89.32%
📅 Short termThe stock may see minor positive sentiment following the formal approval of the dividend, though the record date for voting has already passed.
📈 Long termLimited structural impact as this is a routine annual meeting; however, the high institutional voting indicates strong governance oversight.
Key Highlights
Final dividend of ₹10 per equity share (200% of face value) approved for FY26
Total of 9,24,94,718 votes polled, representing 84.97% of the total 10.88 Cr shares
Resolution for re-appointment of Mr. Sumir Chadha passed with 98.76% votes in favour
Institutional voting turnout was high at 89.32% of the category's holding
100 public shareholders attended the meeting via video conferencing
👀 What to Watch
Investors should note the dividend approval; the record date for voting was July 9, 2026. Monitor the company's upcoming quarterly results to see if the 30-35% AUM growth trajectory is maintained.
₹10 Final Dividend Approved at India Shelter Finance 28th AGM
India Shelter Finance Corporation Limited concluded its 28th AGM on July 16, 2026, where shareholders approved a final dividend of ₹10 per equity share for FY26. The company reported a TTM PAT of ₹503 Cr and TTM revenue of ₹1528 Cr, reflecting steady growth in the affordable housing finance sector. Management reiterated its strategy of adding 40-45 branches annually to penetrate Tier II and III cities. The dividend payout of ₹10 on a ₹5 face value represents a 200% payout on face value.
Confidence: HIGH
What changedFormal shareholder approval of the FY26 financial results and the ₹10 per share dividend distribution.
Why it mattersDemonstrates financial stability and commitment to shareholder returns while pursuing aggressive organic expansion in underserved mortgage markets.
Final Dividend: ₹10 per shareDividend as % of Face Value: 200%TTM PAT: ₹503 CrTTM Revenue: ₹1528 CrAverage Ticket Size: ₹10 Lakhs
📅 Short termPositive sentiment expected due to dividend approval; the stock will likely trade based on the upcoming record date for the payout.
📈 Long termStructural growth depends on maintaining spreads above 6% and successful branch-led expansion in South India and Tier II/III cities.
⚠ Risk flags
- Interest rate sensitivity impacting the 6.4% spread
- Wholesale funding dependency
- Potential stress in small-ticket LAP segment
Key Highlights
Final dividend of ₹10 per equity share (200% of face value) approved for FY26
TTM Net Profit reached ₹503 Cr with a March 2026 quarterly profit of ₹138 Cr
Planned expansion of 40-45 branches per year to support 30-35% AUM growth
Average ticket size remains granular at ₹10 Lakhs across 1,23,595 customers
👀 What to Watch
Watch for the dividend payment timeline and the upcoming quarterly results to verify if the 30-35% growth trajectory and 6% plus spreads are being maintained.
₹2,500 Cr Bank Facilities: CARE Reaffirms 'AA-; Stable' Rating with ₹500 Cr Enhancement
CARE Ratings has reaffirmed the 'CARE AA-; Stable' rating for India Shelter Finance's long-term bank facilities. Crucially, the rated amount has been enhanced by ₹500 crore, increasing from ₹2,000 crore to ₹2,500 crore. This enhancement represents approximately 15.6% of the company's net worth (₹3,198 Cr), providing significant headroom for its targeted 30-35% AUM growth. The reaffirmation confirms credit stability as the company continues its aggressive branch expansion strategy.
Confidence: HIGH
What changedCARE Ratings reaffirmed the existing 'AA-; Stable' rating while simultaneously increasing the rated bank facility limit by ₹500 crore.
Why it mattersFor a housing finance company, higher rated limits provide the necessary liquidity to fund loan growth and branch expansion while potentially keeping borrowing costs stable in a competitive market.
Total Rated Facility: ₹2,500.00 CroreEnhancement Amount: ₹500.00 CroreRating: CARE AA-; StableEnhancement vs Net Worth: ~15.6%TTM Revenue: ₹1,528 Cr
📅 Short termNeutral to slightly positive; the reaffirmation and enhancement confirm creditworthiness and provide immediate liquidity headroom for lending operations.
📈 Long termSupports the structural growth plan of 30-35% AUM expansion by ensuring sustained access to bank credit at stable ratings.
⚠ Risk flags
- Dependency on wholesale funding and bank credit lines
- Sensitivity to interest rate hikes affecting borrowing costs
Key Highlights
CARE Ratings reaffirmed 'CARE AA-; Stable' for long-term bank facilities.
Total rated bank facility amount increased to ₹2,500 crore from ₹2,000 crore.
The ₹500 crore enhancement supports the company's plan to add 40-45 branches annually.
The company maintains a granular loan book with 1,23,595 customers and an average ticket size of ₹10 lakhs.
Current net worth of ₹3,198 crore provides a strong base for the ₹2,500 crore rated facility.
👀 What to Watch
Monitor the cost of funds in upcoming quarterly results to see if the 'AA-' rating helps maintain the 6.4% spread. Watch for the utilization of the enhanced ₹500 crore limit in loan disbursements and branch expansion.
India Shelter Finance Shareholders Approve Promoter Reclassification with 99.99% Majority
India Shelter Finance Corporation Limited has announced the successful passage of an ordinary resolution via postal ballot to reclassify certain promoter group entities into the public category. The resolution received overwhelming support, with 99.9997% of the total 90.21 million votes cast in favor. Institutional investors showed 100% support for the move, representing 38 million votes, while non-institutional public participation stood at approximately 13.91%. This administrative change is effective as of June 24, 2026, following the conclusion of the remote e-voting process.
Key Highlights
Resolution passed with 99.9997% of votes in favor (90,213,880 votes) and only 241 votes against.
Total voter turnout represented 82.93% of the company's 108.78 million outstanding shares.
100% of participating institutional investors (38,002,331 votes) supported the reclassification proposal.
The reclassification shifts specific entities from 'Promoter and Promoter Group' to 'Public' category as per SEBI LODR regulations.
👀 What to Watch
Investors should view this as a routine regulatory alignment that does not impact the company's operational performance or financial health. No immediate action is required as the move primarily streamlines the shareholding structure for compliance purposes.
India Shelter Finance Announces ₹10 Dividend; Sets Record Date and TDS Guidelines
India Shelter Finance Corporation has recommended a final dividend of ₹10 per equity share for FY 2025-26, which is 200% of the face value of ₹5. The company has fixed June 19, 2026, as the record date for determining eligibility, with the payment expected by August 15, 2026. Shareholders are required to submit tax-related documents by June 29, 2026, to ensure correct Tax Deduction at Source (TDS) application. A standard 10% TDS applies to resident individuals with a valid PAN, while a higher 20% rate is applicable if the PAN is not linked to Aadhaar.
Key Highlights
Final dividend of ₹10 per equity share (face value ₹5) recommended for FY 2025-26.
Record date for dividend entitlement is fixed as June 19, 2026.
Dividend payment to be completed on or before August 15, 2026, following AGM approval.
TDS of 10% for residents with valid PAN; 20% for those without PAN or unlinked Aadhaar.
No TDS for resident individuals if total dividend for FY 2026-27 is less than ₹10,000.
👀 What to Watch
Shareholders should ensure their PAN is linked with Aadhaar and bank details are updated with depositories to avoid 20% TDS. Submit Form 15G/H or other tax exemption documents by June 29, 2026, to avail lower withholding rates.
India Shelter Finance to Hold AGM on July 16, 2026; Declares ₹10 Dividend as AUM Hits ₹11,044 Cr
India Shelter Finance Corporation has scheduled its 28th Annual General Meeting for July 16, 2026, and recommended a dividend of ₹10 per share. For FY 2025-26, the company reported a robust Gross AUM of ₹11,044 Crores and a high Return on Equity (RoE) of 17.0%. Asset quality remains strong with Gross Stage-3 assets at 1.2% and a very high Capital Adequacy Ratio of 56.4%, indicating significant room for future growth.
Key Highlights
Recommended a dividend of ₹10 per share for the financial year 2025-26.
Gross AUM reached ₹11,044 Crores with annual disbursements totaling ₹3,834 Crores.
Reported superior profitability with a Return on Assets (RoA) of 5.8% and an interest spread of 6.6%.
Maintained a conservative 52% Loan-to-Value (LTV) ratio and low credit costs of 0.5%.
Expanded physical presence to 307 branches across 15 states, focusing on Tier II and III markets.
👀 What to Watch
Investors should monitor the AGM for commentary on the impact of recent RBI rate cuts on margins. The high capital adequacy and strong RoE make this a stable pick in the affordable housing finance space.
India Shelter Finance Fixes June 19 as Record Date for Rs 10 Final Dividend
India Shelter Finance Corporation has announced June 19, 2026, as the record date to determine eligibility for a final dividend of Rs 10 per equity share for FY 2025-26. The dividend is subject to shareholder approval at the upcoming 28th Annual General Meeting scheduled for July 16, 2026. Once approved, the dividend will be paid or dispatched within 30 days from the date of the AGM. This follows the initial recommendation made by the Board of Directors on May 02, 2026.
Key Highlights
Recommended final dividend of Rs 10 per equity share for the financial year 2025-26.
Record date for determining eligible shareholders is fixed as June 19, 2026.
The 28th Annual General Meeting (AGM) is scheduled to take place on July 16, 2026.
Dividend payout will be completed within 30 days of approval at the AGM.
👀 What to Watch
Investors interested in the dividend should ensure they hold the shares before the ex-dividend date to be eligible for the Rs 10 per share payout.
India Shelter Finance Sets June 19 as Record Date for Rs 10 Final Dividend
India Shelter Finance Corporation Limited has fixed June 19, 2026, as the record date to determine shareholder eligibility for a final dividend of Rs 10 per equity share for FY 2025-26. The dividend recommendation was initially made by the Board on May 02, 2026, and is now subject to shareholder approval at the upcoming 28th Annual General Meeting on July 16, 2026. Once approved, the dividend will be paid or dispatched within 30 days of the AGM date.
Key Highlights
Final dividend of Rs 10 per equity share recommended for the financial year 2025-26.
Record date for dividend entitlement is fixed as June 19, 2026.
Shareholder approval will be sought at the 28th Annual General Meeting on July 16, 2026.
Dividend payment will be processed within 30 days from the date of declaration at the AGM.
👀 What to Watch
Investors interested in the Rs 10 per share dividend should ensure they hold the stock before the ex-dividend date, which typically precedes the June 19 record date.
India Shelter FY26 PAT Crosses ₹500 Cr; AUM Grows 29% to ₹11,044 Cr
India Shelter Finance reported a strong FY26 with AUM growing 29% YoY to ₹11,044 crore and annual PAT exceeding ₹500 crore. The company achieved a significant milestone with Q4 disbursements crossing ₹1,000 crore for the first time. Asset quality improved as Gross Stage-3 assets fell to 1.2%, while maintaining healthy spreads above 6%. Management has guided for a 25-30% loan growth over the next three years, targeting an AUM of ₹30,000 crore by 2030.
Key Highlights
AUM grew 29% YoY to ₹11,044 crore, crossing the ₹10,000 crore milestone in FY26
Q4FY26 PAT rose 27% YoY to ₹138 crore, with Return on Equity (ROE) reaching 17.6%
Gross Stage-3 assets improved by 29 bps QoQ to 1.2%, while Net Stage-3 stood at 0.9%
Maintained healthy spreads of over 6% with a marginal cost of funds at 7.9%
Company added 41 branches in FY26, bringing the total network to over 300 branches
👀 What to Watch
Investors should focus on the company's consistent ability to maintain 17%+ ROE and its clear roadmap to triple AUM by 2030. The stock remains a strong play in the affordable housing segment given its robust asset quality and high spreads.
India Shelter Q4FY26 Results: PAT Up 27% to ₹138 Cr, Gross AUM Crosses ₹11,000 Cr Milestone
India Shelter Finance Corporation reported a strong performance for FY26, with Gross AUM growing 29% YoY to reach ₹11,044 crore. The company's annual Profit After Tax (PAT) crossed the ₹500 crore mark, growing 33% YoY, while Q4 PAT rose 27% to ₹138 crore. Asset quality remains stable with Gross Stage 3 assets at 1.2% and a healthy annualized Return on Assets (RoA) of 5.9%. The company continues its aggressive expansion, reaching 307 branches across 15 states while maintaining a granular portfolio with an average ticket size of ₹10 lakhs.
Key Highlights
Gross AUM grew 29% YoY to ₹11,044 Cr, achieving a 39% CAGR since FY20.
Full-year PAT increased by 33% YoY to ₹503 Cr, with Q4FY26 PAT at ₹138 Cr.
Spreads improved to 6.6% as Cost of Funds decreased by 50bps YoY to 8.2%.
Asset quality remains robust with Gross Stage 3 at 1.2% and Net Stage 3 at 0.9%.
Network expanded to 307 branches with 41 new branches added during the financial year.
👀 What to Watch
Investors should monitor the company's ability to maintain its high RoA of 5.9% and stable asset quality as it scales into new geographies. The low Loan-to-Value (LTV) ratio of 52% and focus on the underserved LIG/MIG segments provide a strong margin of safety for long-term holders.
India Shelter Q4FY26 PAT up 27% to ₹138 Cr; AUM grows 29% to ₹11,044 Cr
India Shelter Finance reported a strong performance for FY26, with Gross AUM growing 29% YoY to reach ₹11,044 Crores. The company's annual Profit After Tax (PAT) rose by 33% to ₹503 Crores, while Q4 PAT stood at ₹138 Crores, up 27% YoY. Profitability remains robust with a Return on Assets (RoA) of 5.9% and Return on Equity (RoE) of 17.6% for the quarter. Asset quality showed significant improvement as Gross Stage 3 assets declined to 1.2% from 1.5% in the previous quarter. The Board also recommended a final dividend of ₹10 per share.
Key Highlights
Gross AUM grew 29% YoY to ₹11,044 Crores with Q4 disbursements of ₹1,040 Crores.
Full-year PAT increased 33% to ₹503 Crores; Q4 PAT grew 27% YoY to ₹138 Crores.
Asset quality improved with Gross Stage 3 at 1.2% and 30+ DPD improving by 100bps QoQ to 4.0%.
Profitability metrics are strong with RoA at 5.9% and RoE at 17.6% for Q4FY26.
Board recommended a final dividend of ₹10 per share (200% of face value).
👀 What to Watch
Investors should view the consistent AUM growth and improving asset quality as strong indicators of execution capability in the affordable housing segment. The stock remains a high-growth play with industry-leading RoA of nearly 6%.
India Shelter Finance Recommends ₹10 Dividend; FY26 Net Profit Rises 34% to ₹505 Cr
India Shelter Finance Corporation reported a strong 34% year-on-year growth in net profit to ₹505.06 crore for the financial year ended March 31, 2026. In light of these results, the Board has recommended a final dividend of ₹10 per equity share, which is 200% of the face value. Total revenue from operations for the year grew significantly to ₹1,529.99 crore from ₹1,164.50 crore in the previous fiscal. The company's quarterly performance also remained robust, with Q4 PAT rising to ₹140.06 crore.
Key Highlights
Recommended a final dividend of ₹10 per equity share (200% of face value) for FY26.
Annual Net Profit (PAT) increased by 33.9% YoY to ₹505.06 crore.
Total Revenue from operations for FY26 rose to ₹1,529.99 crore, up from ₹1,164.50 crore in FY25.
Q4 FY26 Net Profit stood at ₹140.06 crore compared to ₹107.92 crore in Q4 FY25.
Profit Before Tax (PBT) for the full year climbed to ₹655 crore from ₹488 crore in the previous year.
👀 What to Watch
Investors should take note of the strong bottom-line growth and the healthy dividend payout as indicators of operational efficiency. The stock remains a positive hold for those seeking exposure to the growing affordable housing finance segment.
India Shelter Finance Q4 PAT Rises 30% YoY to ₹140 Cr; ₹10 Dividend Declared
India Shelter Finance Corporation reported a robust 34% growth in annual Profit After Tax (PAT) for FY26, reaching ₹505.06 crore. The fourth quarter saw a 30% YoY increase in PAT to ₹140.06 crore, supported by a 25.6% rise in revenue from operations. The company's interest income for the full year crossed ₹1,230 crore, demonstrating strong scale-up in its lending operations. Additionally, the board recommended a significant final dividend of ₹10 per share, representing 200% of the face value.
Key Highlights
Annual PAT grew 34% YoY to ₹50,506.43 Lakhs in FY26 compared to ₹37,704.68 Lakhs in FY25
Q4 FY26 PAT stood at ₹14,006.09 Lakhs, a 30% increase over ₹10,791.68 Lakhs in Q4 FY25
Total revenue from operations for FY26 increased to ₹1,52,999.29 Lakhs from ₹1,16,449.92 Lakhs
Recommended a final dividend of ₹10 per equity share (200% of face value) for FY26
Interest income for FY26 surged to ₹1,23,056.27 Lakhs, up from ₹94,228.57 Lakhs in the previous year
👀 What to Watch
The company demonstrates strong growth momentum and high management confidence through a substantial dividend payout. Investors should remain positive on the stock while monitoring asset quality and net interest margins in the affordable housing finance segment.
India Shelter Finance Gets 'IND AA-/Stable' Rating for Rs 20,000 Million Bank Facilities
India Ratings and Research (Ind-Ra) has affirmed and assigned credit ratings for India Shelter Finance Corporation's bank loan facilities. The agency affirmed the 'IND AA-/Stable' rating for existing facilities worth Rs 10,000 million. Additionally, a new rating of 'IND AA-/Stable' was assigned to an additional Rs 10,000 million in bank loan facilities. This brings the total rated bank facilities in this announcement to Rs 20,000 million, reflecting a strong and stable credit profile for the NBFC.
Key Highlights
Ind-Ra assigned a new 'IND AA-/Stable' rating for bank loan facilities worth Rs 10,000 million.
Ind-Ra affirmed the 'IND AA-/Stable' rating for existing bank loan facilities of Rs 10,000 million.
Total bank loan facilities covered in this rating action aggregate to Rs 20,000 million.
The 'Stable' outlook indicates the rating agency's confidence in the company's consistent financial health.
👀 What to Watch
The affirmation of a high credit rating is a positive signal regarding the company's solvency and ability to access capital at competitive rates. Investors should monitor if this leads to a reduction in the company's overall cost of funds in upcoming quarterly results.
India Shelter Finance Receives Credit Rating Upgrades for Multiple PTC Series
ICRA Limited has upgraded and re-affirmed credit ratings for Pass Through Certificates (PTCs) issued under two of India Shelter Finance's mortgage loan securitization transactions. Notable upgrades include Series A1 of GHAR 09 2022 moving to [ICRA]AA+(SO) and Series A2 of both RAFAEL and GHAR transactions moving to [ICRA]AA-(SO). The Series A1 of RAFAEL 08 2021 maintained its highest rating of [ICRA]AAA(SO). These upgrades indicate improved credit enhancement levels and stable performance of the underlying mortgage pools.
Key Highlights
Series A1- GHAR 09 2022 upgraded to [ICRA]AA+(SO) from [ICRA]AA(SO) on a current amount of Rs 36.65 crore
Series A2- RAFAEL 08 2021 upgraded to [ICRA]AA-(SO) from [ICRA]A+(SO)
Series A2- GHAR 09 2022 upgraded to [ICRA]AA-(SO) from [ICRA]A+(SO)
Series A1- RAFAEL 08 2021 re-affirmed at the highest [ICRA]AAA(SO) rating on Rs 8.26 crore
Upgrades reflect the robust performance of underlying mortgage loan securitization transactions
👀 What to Watch
Investors should take confidence from these upgrades as they reflect strong asset quality and effective risk management in the company's securitized loan portfolios. This reinforces the company's ability to manage credit risk and potentially lower its future cost of borrowing.
