India Shelter Finance Corporation Posts Q1 Growth Driven by AUM Increase and Profitability
India Shelter Finance Corporation Ltd has announced its unaudited financial results for the quarter ended June 30, 2026, reflecting steady growth in assets under management and improved profitability.The company reported Gross AUM of Rs. 11,284 Crs, marking a 24% year-over-year (YoY) increase from Q1FY26. Profit After Tax (PAT) for the quarter stood at Rs. 143 Crs, representing a 20% YoY growth and a 4% quarterly (QoQ) rise compared to Q4FY26.
Operational Transition Details
Managing Director and CEO of India Shelter Finance Corporation, Mr. Rupinder Singh, noted that FY27 started strongly with the significant Gross AUM expansion. He explained that during the quarter, the company consciously transitioned its operational practice to recognize disbursements upon cheque realization rather than upon cheque handover.
The management stated that this accounting transition is aligned with stronger operational controls and represented a one-time change, temporarily impacting the reported Q1FY27 disbursements figure. Reported disbursements for the quarter totaled Rs. 641 Crs, while the Disbursement at clearance stood at Rs. 1,046 Crs.
Key Financial Performance Metrics
The Board of Directors approved the results which demonstrated sustained performance across various financial health indicators.
| Metric | Q1FY27 (Rs. Crs / %) | Q1FY26 (Rs. Crs / %) | YoY Change |
|---|---|---|---|
| Gross AUM | 11,284 | 9,120 | 24% |
| PAT | 143 | 119 | 20% |
| Return on Assets (RoA) | 5.8% | 6.0% | |
| Return on Equity (RoE) | 17.5% | 17.2% | |
| Gross Stage 3 | 1.5% | 1.2% |
Financial Stability and Asset Quality
The company's financial stability remains robust, with Networth standing at Rs. 3,352 Crs as of June '26. The company maintains a liquidity cushion of Rs. 2,423 Crs as of the same period.
In terms of operational cost and profitability, the spread stood stable at 6.6%, while operating expenses (Opex/Gross AUM) were 4.0% for Q1FY27, down from 4.1% in Q1FY26. The cost of funds was reported at a stable 8.2%.
Regarding asset quality, Gross Stage 3 and Net Stage 3 ratios were recorded at 1.5% and 1.2%, respectively, as of June '26.
Company Profile
India Shelter Finance Corporation provides affordable home loans and loan against property across Tier 2 and Tier 3 geographies in India. The company focuses on providing housing solutions to low-and middle income segments who are purchasing or building their first homes. With a strong distribution moat, the company operates via a Pan-India network consisting of 307 branches across 15 states, maintaining a granular portfolio structure.
INDIASHLTR Stock Price Movement
India Shelter Finance Corporation Limited shares slipped by 0.38% to settle at ₹734.85 after trading today. The stock saw high activity, recording 222,679 shares traded and hitting a daily low of ₹728.1 during the session.Disclaimer: Due care and diligence have been taken in compiling and presenting news and market-related content. However, errors or omissions may arise despite such efforts.
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