India Shelter Finance Corporation Ltd

Q3 FY26Finance

India Shelter Finance Corporation Q3 FY26 earnings call: Revenue & Margins

Q3 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

The company aims to achieve an AUM of Rs. The company targets a loan growth (AUM) of around 30% for the current financial year, aiming to maintain this medium-term growth trajectory through branch expansion and digital sourcing.

From India Shelter Finance Corporation Ltd's Q3 FY26 earnings-call transcript · updated 23 Aug 2026.

Revenue & Sales Performance

The company aims to achieve an AUM of Rs. 30,000 crores by 2030, maintaining this long-term target.
Loan growth guidance for the current year is around 30%, slightly below the earlier 30-35% range due to muted performance in the last two quarters.
Disbursement growth target is in the range of 29% to 31% for the current financial year, with improving trends observed in December and January.
The company plans to maintain branch expansion with 40 to 45 new branches annually.
Digital sourcing contribution to disbursements is expected to increase from current 4-5% to around 9-10% in coming quarters, boosting productivity.

2 more points management made on revenue & sales performance

Profitability & Margins

The company targets a loan growth (AUM) of around 30% for the current financial year, aiming to maintain this medium-term growth trajectory through branch expansion and digital sourcing.
They plan to add 40-45 branches annually, supporting scalable growth.
Digital sourcing of leads is expected to increase from 4-5% to 9-10% soon, enhancing productivity and consequently growth.
Margins are expected to remain stable with incremental spreads above 6%, supported by continued reduction in cost of funds (currently around 8.1-8.3%).
Credit costs are guided to remain range-bound at 40-50 basis points annually, indicating controlled provisioning and stable asset quality outlook.

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 explicitly mention any current or planned capital expenditure (capex), capital investment, or strategic investment initiatives by India Shelter Finance Corporation Limited. Key points related to the company's strategic focus include: - Branch expansion: Plans to add 40 to 45 new branches annually, with 35 already added in the current year and a few more planned for Q4. - Digital sourcing: Increasing digital lead sourcing from 4-5% currently to around 9-10% in the near future, aiming to boost productivity and reduce OPEX.

2 more points management made on capital expenditure plans

Top-ranked in Finance

Ranked on what management guided this quarter

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4₹358 Cr

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5₹1.5L Cr

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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

The company has diversified its borrowings across more than 30 counterparties with an average borrowing tenure of about eight years.
At the end of Q3, there was an undrawn sanction of Rs. 550 crores from NHB, of which two-thirds have been drawn in Q4, and the balance is planned to be drawn in Q1 of the next financial year.
On liquidity, the company is comfortably placed with Rs. 486 crores in liquidity and over Rs. 1,300 crores of undrawn sanctions.

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 pages from the India Shelter Finance Corporation Limited document do not contain explicit information regarding the current or expected order book or pending orders. The discussion mainly revolves around financial performance, asset quality, attrition rates, cost of funds, digital sourcing, PMAY contributions, and operational efficiency. Therefore, based on the excerpts: - No specific details on the current or expected order book or pending orders are mentioned. - Focus is on AUM growth targets (around 30%), asset quality improvements, and operational metrics. - Emphasis is on improving digital sourcing and expanding customer reach rather than order book specifics. If you require detailed order book information, it might be found in other parts of the full report.

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 FY26 results?

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 explicitly mention any current or planned capital expenditure (capex), capital investment, or strategic investment initiatives by 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.