India Shelter Finance Corporation Limited has released the transcripts of its Earnings Conference Call concerning the Audited Financial Results for the quarter and financial year ended March 31, 2026. The call was held on May 04, 2026. The company has also made these transcripts available on its website. The management, including MD & CEO Mr. Rupinder Singh and CFO Mr. Ashish Gupta, discussed the company's performance and outlook. Key highlights from the financial year FY26 include crossing ₹10,000 crore AUM, exceeding 300 branches, consistently delivering ROE above 17%, and achieving annual profitability of over ₹500 crores. The AUM grew by 29% year-on-year to ₹11,044 crores, with Q4FY26 disbursements crossing ₹1,000 crores for the first time. Asset quality metrics showed improvement, with 30+ days past due at 4% and Stage-3 assets at 1.2% (Gross) and 0.9% (Net). For the coming year, the company guided for branch additions of 40-45, maintaining spreads above 6%, credit cost between 40-50 bps, and a loan growth of 25-30% for the next three years, targeting ₹30,000 crores AUM by 2030. The company also noted that its portfolio yield was 14.8%, with a cost of funds at 8.2% (bucket level) and 7.9% (marginal in Q4). Net interest income grew by 31% year-on-year. The management addressed concerns about competition, macroeconomic environment, and operational strategies, emphasizing a cautious yet confident approach towards future growth.
