INDIA SHELTE FIN

Q1 FY27Finance

INDIA SHELTE FIN Q1 FY27 earnings call: Revenue & Margins

Q1 FY27 earnings call: what management guided on revenue, margins and order book.

Price₹656

Market cap₹7.4K Cr

P/E13.9

Updated25 Aug 2026

Read4 min read

What the Q1 FY27 call signalled

3 of 4 strong

RevenueGood growth

MarginMargins steady

CapexCapex planned

Order bookOrder book rising

The short version

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.

Revenue & Sales Performance

Good growth

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.

2 more points management made on revenue & sales performance

Profitability & Margins

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.

2 more points management made on profitability & margins

See what INDIA SHELTE FIN said on profitability & margins — free account, 30 seconds.

Capital Expenditure Plans

Capex planned

The transcript does not explicitly mention any current or future capex, capital investment, or strategic investment plans with specific details or figures. However, some relevant points indicating ongoing investment focus include: - Continued investment in expanding distribution network: planned branch addition of around 40-45 branches in the year. - Strengthening technology capabilities, including adoption of conversational AI across functions for improved productivity, customer experience, and operational efficiency. - Building organizational capabilities to capture opportunities in affordable housing finance market.

2 more points management made on capital expenditure plans

Top-ranked in Finance

Ranked on what management guided this quarter

5x potential

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Rank buckets describe management commentary on revenue and margin. Not investment advice, and not a forecast of returns.

Fundraising & Capital Structure

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.

2 more points management made on fundraising & capital structure

See what INDIA SHELTE FIN said on fundraising & capital structure — free account, 30 seconds.

Order Book & Pipeline

Order book rising

The transcript from India Shelter Finance Corporation Limited does not explicitly mention current or expected orderbook or pending orders details. The discussion primarily focuses on: - AUM growth guidance: 25-30% expected for the ongoing financial year. - Disbursement trends: INR 1,046 crores disbursed in Q1, with confidence to crossover 20% disbursement growth based on recent trends. - Branch expansion plan: 40-45 branches planned, mostly opening in Q2 and Q3.

2 more points management made on order book & pipeline

What INDIA SHELTE FIN's management said in earlier quarters

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Frequently Asked Questions

What were INDIA SHELTE FIN Q1 FY27 results?

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 the company's earnings call transcript. This is not investment advice. Please consult a SEBI-registered advisor before making investment decisions.