Indostar Capital Finance Ltd (BOM:541336)

Q2 2026 IndoStar Capital Finance Ltd Earnings Call Transcript

Oct 31, 2025 / 06:30 AM GMT

Release Date Price: ₹242.3 (-1.62%)

Transcript

Key Points

Positve

Indostar Capital Finance Ltd (NSE:INDOSTAR) has successfully transitioned from a corporate lender to a retail NBFC, focusing on vehicle finance and micro lending as core growth engines.
The company reported an 8% growth in disbursements in the vehicle finance business this quarter, indicating positive momentum.
The weighted average cost of borrowing has decreased from 10.8% in Q2 FY25 to 10.2% in Q2 FY26, reflecting improved credit profile and lender confidence.
Indostar Capital Finance Ltd (NSE:INDOSTAR) has diversified its vehicle finance business, reducing reliance on medium and heavy commercial vehicles and expanding into passenger vehicles, construction equipment, and small commercial vehicles.
The company has implemented technology-driven collections, improving recovery speed and minimizing cash handling, which supports operational efficiency.

Negative

The micro loan against property segment remains small, contributing only 3% to the disbursement mix, with growth in this area being relatively flat.
The company's asset under management saw a marginal decline from INR7,783 crore in the previous quarter to INR7,564 crore in Q2 FY26.
Net profit for the quarter decreased to INR10.4 crore compared to INR18 crore in the same quarter last year, indicating a decline in profitability.
The company has faced general softness in the commercial vehicle segment, impacting overall growth.
Collection efficiency, while improving, is still below peak levels, with current efficiency at 94% compared to 97% in previous periods.

Refinitiv StreetEvents Event Transcript
E D I T E D V E R S I O N

INAC.NS - IndoStar Capital Finance Ltd
Q2 2026 IndoStar Capital Finance Ltd Earnings Call
Oct 31, 2025 / 06:30AM GMT

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Presentation
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Unidentified_1 [1]
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Ladies and gentlemen, good day and welcome to Indostar Capital Finance Limited Q2S526 earnings conference call. As a reminder, all participant lines will be in the listen-only mode, and there will be an opportunity for you to ask questions after the presentation concludes. Should you need assistance during the conference call, please signal an operator by pressing, then 0 on your touchtone phone. Please note that this conference is being recorded.

I now hand the conference over to Ms. Ayushi Gupta from MEFG over to you, ma'am.

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Unidentified_2 [2]
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