India Shelter Finance Corporation Ltd (BOM:544044)

Q2 2026 India Shelter Finance Corporation Ltd Earnings Call Transcript

Nov 4, 2025 / 12:30 PM GMT

Release Date Price: ₹887.05 (+0.08%)

Transcript

Key Points

Positve

India Shelter Finance Corporation Ltd (NSE:INDIASHLTR) reported a strong year-on-year AUM growth of 31%, reaching INR 9,252 crores.
The company achieved a 35% year-on-year increase in net interest income, supported by a stable portfolio yield of 14.9%.
Return on equity stood at an impressive 17%, reflecting efficient capital utilization.
The company expanded its geographic presence by adding nine new branches, bringing the total to 290 branches.
India Shelter Finance Corporation Ltd (NSE:INDIASHLTR) maintained a consistent lending margin above 6%, aligning with medium-term guidance.

Negative

Stage 2 delinquencies have shown a material spike, indicating potential stress in asset quality.
The bounce rate for the quarter was between 20-22%, which could signal challenges in collections.
Disbursement growth slowed to 12% in the second quarter, below the previous trend of 25-30%.
There is a noted increase in 30+ DPD and stage 2 loans, which could lead to future asset quality issues.
The company faces competitive pressure from nationalized banks offering lower rates, impacting customer retention.

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

IDNI.NS - India Shelter Finance Corporation Ltd
Q2 2026 India Shelter Finance Corporation Ltd Earnings Call
Nov 04, 2025 / 12:30PM 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 the India Shelter Limited Q2 F5 26 earnings conference call hosted by ICICS Securities.

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 digital phone.

Please note that this conference is being recorded.

I now hand the conference over to Mr. Reliura from ICSA Securities.

Thank you and over to you.

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