India Shelter Finance Corporation Ltd

Q4 FY25Finance

India Shelter Finance Corporation Q4 FY25 earnings call: Revenue & Margins

Q4 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

Read4 min read

The short version

AUM is expected to grow around 30% to 35% annually, targeting Rs. The company expects AUM growth of around 30% to 35% annually, targeting Rs.

From India Shelter Finance Corporation Ltd's Q4 FY25 earnings-call transcript · updated 23 Aug 2026.

Revenue & Sales Performance

AUM is expected to grow around 30% to 35% annually, targeting Rs. 30,000 crores by March 2030.
Total income growth aligned with AUM growth, recorded 34% YoY increase in the latest quarter.
Branch expansion planned with addition of 40 to 45 new branches annually to support growth.
Disbursement yield stable around 15%, supporting revenue growth.
Lending margins consistently above 6%, aiding sustainable profitability.
Operating leverage expected to increase, with leverage guided to rise to 4x in 2 years, peaking around 5x after equity raise.

2 more points management made on revenue & sales performance

Profitability & Margins

The company expects AUM growth of around 30% to 35% annually, targeting Rs. 30,000 crores by March 2030.
Return on assets (ROA) is likely to moderate from the current 5.6% to around 4.5% as leverage increases towards 4x in 2 years.
Return on equity (ROE) ended the quarter at 16.3% and is expected to maintain a similar or upward trajectory in coming quarters.
The leverage is planned to be managed carefully, with equity raising considered before crossing 5x leverage.
Cost of funds is expected to reduce gradually, benefiting earnings margins.
Credit cost guidance remains stable around 40 to 50 basis points.

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

No explicit mention of current or immediate capital expenditure (capex) or strategic investments in the provided transcript.
The company plans branch expansion with around 40 to 45 new branches opening, which implies investment in branch infrastructure.
Focus on experimenting with branch opening strategies in FY26 to improve effectiveness.
Discussions around equity raise are expected before reaching a leverage of 5x, indicating future capital raise plans to support growth.

2 more points management made on capital expenditure plans

Top-ranked in Finance

Ranked on what management guided this quarter

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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

No immediate equity raise is planned to reach Rs. 30,000 crores AUM by March 2030; however, an eventual equity raise will be required, likely around 3 years from now. (Page 12)
The company plans to increase leverage up to around 4x in two years; once it approaches 4x leverage, they intend to work on an equity raise to avoid crossing 5x leverage. (Page 16)
Current regulatory leverage limit effectively allows up to 9x, but credit rating agencies and bankers are comfortable up to 5x. (Page 16)

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 PDF "1284585.pdf" provided does not contain any information regarding the current or expected order book or pending orders for India Shelter Finance Corporation Limited. The document primarily covers financial performance, portfolio composition, branch expansion, leverage, asset quality, yields, liabilities, and other operational aspects but does not mention order book 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 Q4 FY25 results?

AUM is expected to grow around 30% to 35% annually, targeting Rs. The company expects AUM growth of around 30% to 35% annually, targeting Rs.

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?

No explicit mention of current or immediate capital expenditure (capex) or strategic investments in the provided transcript.

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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.