India Shelter Finance Corporation Ltd

Q2 FY26Finance

India Shelter Finance Corporation Q2 FY26 earnings call: Revenue & Margins

Q2 FY26 earnings call: what management guided on revenue, margins and order book.

Price₹675

Market cap₹7.3K Cr

P/E13.8

Updated23 Aug 2026

Read4 min read

The short version

India Shelter Finance Corporation Limited targets AUM growth of 30%-35% year-over-year for the next couple of years. Company targets AUM growth of 30%-35% year-over-year for the next couple of years.

From India Shelter Finance Corporation Ltd's Q2 FY26 earnings-call transcript · updated 23 Aug 2026.

Revenue & Sales Performance

India Shelter Finance Corporation Limited targets AUM growth of 30%-35% year-over-year for the next couple of years.
Disbursement growth for FY26 is expected to pick up in the second half, continuing the momentum from H1.
The company plans to maintain branch additions at around 40-45 per year.
Demand is broad-based, primarily in Tier-2 and Tier-3 markets, focusing on self-employed customers.
Spreads are expected to see some temporary expansion due to a reduction in cost of funds, with cost of funds projected to reach around 8.3% by year-end.

2 more points management made on revenue & sales performance

Profitability & Margins

Company targets AUM growth of 30%-35% year-over-year for the next couple of years.
Credit cost is expected to remain around 40-50 basis points, supporting stable asset quality.
Operating margins likely to benefit from an expected reduction in cost of funds by around 20 basis points by year-end, with cost of fund estimated to reach ~8.3%.
Lending spreads expected to stay above 6%, supporting net interest income growth.
Profit After Tax (PAT) showed 35% YoY growth in the recent quarter, indicating strong profitability momentum.
Return on Equity (ROE) sustained at 17%, with leverage increasing; management aims to maintain this level.

2 more points management made on profitability & margins

See what India Shelter Finance Corporation Ltd said on profitability & margins — free account, 30 seconds.

Capital Expenditure Plans

The transcript does not mention any specific current or future capex, capital investment, or strategic investment plans for India Shelter Finance Corporation Limited. Key points related to financial and operational updates include: - The company added 9 new branches in Q2 FY26 as part of branch expansion strategy; total branches at 299 as of September 2025. - Guidance to add around 40-45 branches year-on-year, with 33 already added in H1 FY26. - No explicit mention of capital expenditure beyond branch expansion.

2 more points management made on capital expenditure plans

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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 received sanction of Rs. 550 crores from National Housing Bank, expected to be drawn in the next 2 quarters.
Additionally, the company has received a sanction of Rs. 500 crores from SIDBI for the first time, aiding diversification of funding sources.
No mention of upcoming equity fundraising during the discussed period.
The company aims to maintain a balanced funding mix, including both on-balance sheet and off-balance sheet sources like direct assignment and co-lending.

2 more points management made on fundraising & capital structure

See what India Shelter Finance Corporation Ltd said on fundraising & capital structure — free account, 30 seconds.

Order Book & Pipeline

The document "1284585.pdf" does not contain any information related to current or expected orderbook or pending orders for India Shelter Finance Corporation Limited. The discussions and data presented primarily focus on financial performance, asset quality, loan book composition, cost of funds, growth strategies, and market conditions without mention of orderbook or pending orders.

What INDIA SHELTE FIN's management said in earlier quarters

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Frequently Asked Questions

What were India Shelter Finance Corporation Ltd Q2 FY26 results?

India Shelter Finance Corporation Limited targets AUM growth of 30%-35% year-over-year for the next couple of years. Company targets AUM growth of 30%-35% year-over-year for the next couple of years.

What is India Shelter Finance Corporation Ltd share price analysis?

India Shelter Finance Corporation Ltd currently shows a neutral. The stock trades at a P/E of 13.8 with a market cap of ₹7,308 Cr. Investors should review the full earnings analysis for detailed insights.

Is India Shelter Finance Corporation Ltd planning capital expenditure?

The transcript does not mention any specific current or future capex, capital investment, or strategic investment plans for India Shelter Finance Corporation Limited.

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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.