| Margins | NIM 8.9% vs 7.6% YoY, 8.8% QoQ |
|---|---|
| Demand visibility | Industry VF AUM ₹11 lakh cr by Mar-27E |
Growth
AUM +11.8% YoY, +2.6% QoQ. PAT up from ₹10.5 Cr YoY and ₹11.4 Cr QoQ. NIM 8.9% vs 7.6% YoY.
Outlook
No quantified company guidance. Micro LAP scaling toward ₹10 lakh+ tickets; expansion described as gradual and calibrated.
Risks
Gross Stage 3 at 4.5% (3.0% YoY, 4.8% QoQ). RoAA only 0.5%. Cost of borrowings 9.7%. Early delinquency 2.4%.
Last quarter's promises, checked
Delivered
- Guided 35% CAGR disbursement growth → Q1 FY27 44% YoY (₹1,235 Cr vs ₹858 Cr) (= BEAT)
Partly delivered
- Guided doubling Micro LAP AUM in FY27 (₹217 Cr base) → ₹280 Cr at Q2, +29% QoQ (= PARTIAL, on track)
- Guided 'significant' GNPA improvement in 2–3 quarters → Gross Stage 3 4.84% → 4.5% (= PARTIAL, modest)
- Guided FY29 PAT ₹450–500 Cr → Q2 PAT ₹13.1 Cr (= PARTIAL, long-dated, not yet testable)
Missed
- Guided book cost of borrowing falling toward ~9% by Mar-27 (new raises at 9.11%) → Q2 cost of borrowings 9.7% (= MISS)
- Guided improving origination quality (early delinquency 2.29% in Q1) → Q2 early delinquency 2.4% (= MISS)
Investor Presentation filed with BSE, NSE: INDOSTAR. Summary written with AI assistance from the document.
Indostar Capital Finance Ltd: key numbers
- Share price
- ₹184.72
- Market cap
- ₹2,986 Cr
- Revenue (annual)
- ₹1,393 Cr
- Net profit (annual)
- ₹140.4 Cr
- P/E (TTM)
- -7.6×Sector 19.1×
- Promoter holding
- 70.33%-0.03% QoQ
- FII holding
- 2.76%Current quarter
Reference market data from a third-party provider, updated daily. Not a valuation or a recommendation.
More from Indostar Capital Finance Ltd
All →Indostar Capital Finance Results Update
IndoStar reported Q2 FY27 standalone results, with disbursements up 51% YoY to ₹1,399 crore. Profit after tax rose to ₹13.1 crore and AUM reached ₹8,459 crore.
Indostar Capital Finance Management Change
IndoStar Capital's Company Secretary and Compliance Officer Shikha Jain resigned effective 29 October 2026. Reshma Ramchandani was appointed in her place from 30 October 2026.
Indostar Capital Finance Q2 FY27 Results: Net Profit ₹13.2 Cr, Up 25.7% YoY
Indostar Capital Finance Ltd reported revenue from operations of ₹382 Cr (+7.1% YoY) and net profit of ₹13.2 Cr (+25.7% YoY) for Q2 FY27.
- Key figure
- Net profit ₹13.2 Cr · +25.7% YoY
Indostar Capital Finance Board Meeting Date
IndoStar Capital Finance has scheduled a board meeting on October 29, 2026, to consider and approve its unaudited financial results for the quarter ending September 30, 2026.
Indostar Capital Finance Other Announcement
Indostar Capital Finance Ltd filed its quarterly shareholding pattern for the period ending September 30, 2026. This is a mandatory compliance disclosure under SEBI regulations.
Indostar Capital Finance Other Announcement
IndoStar Capital Finance Limited submitted the quarterly certificate under Regulation 74(5) of the SEBI (Depositories and Participants) Regulations, 2018, received from its Registrar, MUFG Intime.