| Revenue growth | Total income +22% YoY; interest income +24% YoY |
|---|---|
| Margins | Spread 6.6% vs 6.4% YoY; CoB 8.2% vs 8.5% |
| Demand visibility | Aggregate loan demand ~Rs 68 tn; mortgage-to-GDP 12.3% |
Growth
Total income Rs 450.5 Cr (+22% YoY). PAT Rs 146 Cr (+19% YoY, +2% QoQ). H1FY27 PAT Rs 288.6 Cr (+20% YoY).
Outlook
No explicit numeric guidance given. Incremental yield 14.8% vs incremental COF 8.1%. Rs 2,456 Cr surplus liquidity before fresh disbursements.
Risks
30+ DPD rose to 5.2% (4.6% YoY). Stage 3 at 1.5% (1.2% YoY). Credit cost +72% YoY. Opex +27% YoY.
Last quarter's promises, checked
Delivered
- Guided disbursement growth >20% → Q2 Rs 1,126 Cr (+21% YoY) (= BEAT)
- Guided spread >6% → 6.6% (= BEAT)
- Guided Stage 3 ~1.5% flat at Q2 → 1.5% (= BEAT)
Partly delivered
- Guided ROE 17-18% → 17.3%, low end (= PARTIAL)
- Guided credit cost 40-50bps (50bps Q2) → bps not disclosed; credit cost +72% YoY (= PARTIAL)
Missed
- Guided AUM growth 25-30% FY27 → Q2 AUM +23% YoY (= MISS)
- Guided 30+ DPD below Q1 (~5.2%) → 5.2% (= MISS)
- Guided Q2 disb ~Rs 1,200 Cr ('quite reachable') → Rs 1,126 Cr (= MISS)
Investor Presentation filed with NSE, NSE: INDIASHLTR. Summary written with AI assistance from the document.
India Shelter Finance Corporation Ltd: key numbers
- Share price
- ₹635.55
- Market cap
- ₹6,942 Cr
- Revenue (annual)
- ₹1,530 Cr
- Net profit (annual)
- ₹505.1 Cr
- P/E (TTM)
- 13.1×Sector 19.5×
- Promoter holding
- 45.91%-0.14% QoQ
- FII holding
- 7.35%Current quarter
Reference market data from a third-party provider, updated daily. Not a valuation or a recommendation.
More from India Shelter Finance Corporation Ltd
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- Value
- ₹75.00 Cr
India Shelter Finance Corporation Results Update
India Shelter reported Q2FY27 PAT of Rs. 146 Crs, up 19% YoY, with Gross AUM at Rs. 11,997 Crs. Disbursements rose 21% YoY to Rs. 1,126 Crs.
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- Key figure
- Net profit ₹145.6 Cr · +19.5% YoY
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- Value
- ₹3.75 Cr