Q3 2025 IndoStar Capital Finance Ltd Earnings Call Transcript
Key Points
- Indostar Capital Finance Ltd (NSE:INDOSTAR) reported a consolidated PAT growth of 64% compared to Q3 FY24.
- The company achieved an AUM growth of 32% to INR10,625 crores.
- Disbursements increased by 17% year-on-year to INR1,572 crores.
- The cost of borrowings was reduced by 110 basis points over the last year.
- The company maintains significant liquidity with INR1,009 crores and additional undrawn amounts of INR575 crores.
- The RBI's MPC revised its growth forecast downward to 6.6% and raised its inflation projection, indicating economic challenges.
- Indostar Capital Finance Ltd's GNPA stood at 4.9%, with collections impacted by heavy rains affecting truck movement.
- The company's credit cost for Q3 FY25 was high at 2.6%, indicating increased delinquencies.
- Collection efficiency declined due to economic factors such as heat waves and extended monsoons.
- The cost of funding remains high, with an incremental cost of 10.2% during the December quarter.
Ladies and gentlemen, good day, and welcome to the IndoStar Capital Finance Limited's Q3 and nine Months FY25 Earnings Conference Call. (Operator Instructions)
I now hand the conference over to Mr. Viral Sanklecha from Orient Capital. Thank you, and over to you, sir.
Thank you, Reo. Good afternoon, ladies and gentlemen. I welcome you for the Q3 and nine months FY25 earnings conference call of IndoStar Capital Finance Limited. To discuss this quarter's results performance, we have from the management Mr. Randhir Singh, Executive Vice Chairman; Mr. Karthikeyan Srinivasan, Chief Executive Officer; Mr. VinodKumar Panicker, Chief Financial Officer; Mr. Shreejit Menon, CEO, Niwas Housing Private Limited; and Mr. Pushkar Joshi, CFO, Niwas Housing Private Limited.
Before we proceed with this call, I would like to mention that some of the statements made in today's call may be forward-looking in nature and may involve risks and uncertainties. For more detail, kindly refer to the investor presentation
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