India Shelter Finance Corporation Ltd Q3 FY25 Results & Concall Highlights: Revenue, Margins & Order Book
Published 6 Aug 2026 | Finance | Market Cap: ₹7.3K Cr
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.
Price
₹675
Market Cap
₹7.3K Cr
P/E Ratio
13.8
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📊 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.
- →Growth is supported by focused expansion in Tier-2 and Tier-3 cities, especially in home loans and mortgages, aided by government initiatives like PMAY II.
- →The company leverages high in-house sourcing (97%-98%) to retain control over customer acquisition and growth.
📈 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.
- →Management is optimistic about improving collection efficiency from Q4 onwards.
- →No explicit EPS guidance given, but consistent AUM growth, margin maintenance, and controlled credit cost suggest positive earnings prospects.
🏗️ Capital Expenditure Plans
💰 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.
- →The focus remains on organic growth, branch expansion, and maintaining asset quality.
- →For the latest updates on fundraising, shareholders are encouraged to refer to official company communications or contact investor relations.
📋 Order Book & Pipeline
Key Metrics
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 concall transcripts. This is not investment advice. Please consult a SEBI-registered advisor before making investment decisions.