India Shelter Finance Corporation Ltd

Q4 FY26Finance

India Shelter Finance Corporation Q4 FY26 earnings call: Revenue & Margins

Q4 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 targets an AUM (Assets Under Management) growth of 25% to 30% annually, with a cautious estimate of around 27%-28% CAGR to reach Rs. India Shelter Finance projects AUM growth of 25% to 30% annually for the next 3-4 years, aiming to reach Rs.

From India Shelter Finance Corporation Ltd's Q4 FY26 earnings-call transcript · updated 23 Aug 2026.

Revenue & Sales Performance

India Shelter Finance Corporation targets an AUM (Assets Under Management) growth of 25% to 30% annually, with a cautious estimate of around 27%-28% CAGR to reach Rs. 30,000 crore by FY 2030.
Disbursement growth is expected at about 20% currently but anticipated to increase beyond 25% over time.
The company plans to expand its branch network from 307 to 500 branches by 2030, supporting growth.
Focus on improving digital productivity and branch expansion to drive disbursements and overall growth.
Average ticket size may inch up slightly from around Rs. 10 lakhs to Rs. 10.5 lakhs over a few quarters.

2 more points management made on revenue & sales performance

Profitability & Margins

India Shelter Finance projects AUM growth of 25% to 30% annually for the next 3-4 years, aiming to reach Rs. 30,000 crores by FY 2030.
Return on Equity (ROE) has consistently been above 17%, with FY26 ROE at 17.6%, demonstrating strong profitability.
The company targets credit costs between 40 to 50 basis points, suggesting disciplined credit risk management to support earnings stability.
Operating efficiency is improving, with OPEX growth (26% YoY) lower than AUM growth resulting in better cost ratios; cost-to-income ratio decreased by 100 bps YoY to 36%.
Net Interest Margin (NIM) has expanded slightly, rising from 9.1% to 9.5% in Q4, supported by stable spreads above 6%.

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 future capex, capital investment, or strategic investment plans by India Shelter Finance Corporation Limited. However, some relevant points indicating strategic growth and investment focus include: - Planned branch addition of around 40 to 45 branches per year to expand market presence. - Continued focus on digital technology and process improvements to enhance productivity and customer engagement. - Intent to increase leverage from the current 3x level to around 4x-4.5x before considering further capital raising via QIP or other means.

2 more points management made on capital expenditure plans

Top-ranked in Finance

Ranked on what management guided this quarter

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2Akiko₹454 Cr

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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 aims to increase its leverage from the current 3x to around 4x-4.5x before considering next steps in fundraising.
Once the leverage reaches approximately 4.5x, the company will contemplate raising funds via QIP (Qualified Institutional Placement) or other methods.
Currently, there is no immediate plan to raise debt or equity, as the company remains cautious given the environment.
The management plans to maintain conservative capital adequacy ratios and will consider fundraising as needed when growth opportunities arise or to achieve the Rs. 30,000 crore AUM target by FY 2030.

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

Order Book & Pipeline

The provided document (pages 4 to 19) for India Shelter Finance Corporation Limited does not explicitly mention the current or expected order book or pending orders. The content primarily discusses financial performance, asset quality, portfolio composition, disbursement growth, interest rate risk, customer retention strategies, and geographic expansion. Key relevant points related to growth and portfolio: - AUM grew 29% year-on-year to Rs. 11,044 crores. - Disbursement crossed Rs. 1,000 crores in Q4 FY26. - Target AUM of Rs. 30,000 crores by around FY30, implying significant growth plans. - Plans to add 40-45 branches annually to support growth. - Disbursement growth targeted at around 20% initially, expected to increase over time.

2 more points management made on order book & pipeline

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 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 future capex, capital investment, or strategic investment plans 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.