INDIA SHELTE FIN Q1 FY27 Results & Concall Highlights: Revenue, Margins & Order Book
Published 25 Aug 2026 | Finance | Market Cap: ₹7.4K Cr
Targeted AUM growth for FY27 is 25% to 30%, reaffirmed by management. - Disbursement growth expected to cross 20% mark for the year, with July disbursements at Rs. The company targets a loan growth (AUM growth) of 25-30% for the fiscal year.
From INDIA SHELTE FIN's Q1 FY27 earnings-call transcript · updated 25 Aug 2026.
Price
₹658
Market Cap
₹7.4K Cr
P/E Ratio
13.9
Revenue Rank
Margin Rank
How does INDIA SHELTE FIN rank in Finance?
Compare INDIA SHELTE FIN against every Finance company this quarter on revenue, margins and earnings-call signals.
📊 Revenue & Sales Performance
Rank 2- →Targeted AUM growth for FY27 is 25% to 30%, reaffirmed by management.
- →Disbursement growth expected to cross 20% mark for the year, with July disbursements at Rs. 400 Cr under new cheque realization methodology.
- →Planned branch additions of 40-45 branches during the year to support growth.
- →Business trends remain strong with robust login and sanction pipelines.
- →Growth is anticipated to accelerate in Q2 and Q3, with Q3 typically a stronger quarter.
- →Long-term strategy focuses on expanding distribution, enhancing technology, and deepening customer relationships to capture affordable housing finance market opportunities.
- →Despite near-term operational changes, the company remains confident about meeting the growth targets.
📈 Profitability & Margins
Rank 3- →The company targets a loan growth (AUM growth) of 25-30% for the fiscal year.
- →PAT for Q1 FY27 was INR 143 crores, up 23% year-on-year and 4% quarter-on-quarter.
- →Excluding direct assignment transactions accounting, PAT growth is around 30% driven by higher volume and margins.
- →ROE for Q1 stood at 17.5%, up by 30 bps year-on-year.
- →Net interest income grew 30% year-on-year, supported by 20 bps improvement in spreads.
- →Credit cost guidance is maintained at 40-50 bps for the year.
- →Operating expense is stable at 4% of assets with a cost-to-income ratio of 36%.
- →Expected recovery in asset quality from Q3 FY27 onwards is likely to support profitability.
- →The company expects stable or improving spreads above 6% in the medium term.
- →Overall, earnings and operating profits are expected to grow robustly alongside loan growth and controlled credit costs.
🏗️ Capital Expenditure Plans
Yes💰 Fundraising & Capital Structure
No information- →India Shelter Finance Corporation Limited has drawn down INR 172 crores from National Housing Bank in June 2026 at 7.3%.
- →The borrowing profile is diversified with more than 30 counterparties and includes 15% NHB funding, up by 230 basis points YoY.
- →Average borrowing tenure is more than 8 years, aligning with loan asset tenure.
- →The company holds comfortable liquidity of more than INR 800 crores and undrawn sanction lines of more than INR 1,500 crores.
- →There is no explicit mention of any fresh fundraising plans through debt or equity in the provided transcript.
- →The company is focused on maintaining debt cost stability and portfolio spread, indicating cautious approach towards incremental borrowing amid macro tightness.
📋 Order Book & Pipeline
YesKey Metrics
Revenue
Margin
Capex
Fundraise
Order Book
Frequently Asked Questions
What were INDIA SHELTE FIN Q1 FY27 results?
Targeted AUM growth for FY27 is 25% to 30%, reaffirmed by management. - Disbursement growth expected to cross 20% mark for the year, with July disbursements at Rs. The company targets a loan growth (AUM growth) of 25-30% for the fiscal year.
What is INDIA SHELTE FIN share price analysis?
INDIA SHELTE FIN currently shows a moderate growth signal based on ranking data. The stock trades at a P/E of 13.9 with a market cap of ₹7,358 Cr. Investors should review the full earnings analysis for detailed insights.
Is INDIA SHELTE FIN planning capital expenditure?
The transcript does not explicitly mention any current or future capex, capital investment, or strategic investment plans with specific details or figures.
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This analysis is AI-generated based on publicly available earnings data and concall transcripts. This is not investment advice. Please consult a SEBI-registered advisor before making investment decisions.