India Shelter Finance Corporation Ltd

Q3 FY25Finance

India Shelter Finance Corporation Q3 FY25 earnings call: Revenue & Margins

Q3 FY25 earnings call: what management guided on revenue, margins and order book.

Price₹675

Market cap₹7.3K Cr

P/E13.8

Updated23 Aug 2026

Read3 min read

The short version

The company targets loan growth in the range of 30% to 35% for the next few years. India Shelter Finance Corporation targets AUM growth of 30%-35% for the next few years.

From India Shelter Finance Corporation Ltd's Q3 FY25 earnings-call transcript · updated 23 Aug 2026.

Revenue & Sales Performance

The company targets loan growth in the range of 30% to 35% for the next few years.
There is an expectation to maintain AUM growth at around 30% to 35% for the next couple of years, driven by geographic expansion and leveraging distribution networks across 15 states.
The company plans to add around 40-45 branches annually to support growth.
Disbursement growth of 29% was seen in the recent quarter, indicating robust demand.
The firm's medium-term guidance includes maintaining margins around 6%, with credit costs in range of 40 to 50 basis points.

2 more points management made on revenue & sales performance

Profitability & Margins

India Shelter Finance Corporation targets AUM growth of 30%-35% for the next few years.
Branch expansion planned at 40-45 branches per year to support growth.
Margins expected to be maintained around 6% in the medium term.
Credit cost guidance is in the range of 40 to 50 basis points, indicating stable asset quality.
The company aims to sustain return on assets (ROA) around 5.5% and return on equity (ROE) around 15%.
PAT showed a 54% YoY increase in the latest quarter, demonstrating strong profitability.
Fee and other income expected to stabilize at about 1.7% of AUM.

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 document does not mention any specific current or future capex, capital investment, or strategic investment plans for India Shelter Finance Corporation Limited during this earnings call. The focus of the discussion centers around operational metrics, asset quality, growth, ESOP policies, PMAY scheme participation, and stress on portfolio geographies. No explicit details on capital expenditure or strategic investments are provided.

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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

As of the Q3 FY25 earnings call (February 7, 2025), India Shelter Finance Corporation Limited has an undrawn sanction of Rs. 450 crores from National Housing Bank.
No specific new fundraising through debt or equity was announced during the call.
The company continues to maintain a stable cost of funds at 8.8%, reflecting manageable borrowing costs despite rate hikes.
There is no explicit guidance or mention of upcoming debt or equity fundraises in the transcript.

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 provided transcript from India Shelter Finance Corporation Limited does not mention any details regarding a current or expected order book or pending orders. The focus of the discussion is primarily on financial performance, loan portfolio growth, asset quality, BT (balance transfer) rates, and operational metrics. There is no reference to order books or pending orders in the context of contracts or sales 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 Q3 FY25 results?

The company targets loan growth in the range of 30% to 35% for the next few years. India Shelter Finance Corporation targets AUM growth of 30%-35% for the next few 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 document does not mention any specific current or future capex, capital investment, or strategic investment plans for India Shelter Finance Corporation Limited during this earnings call.

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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.