Q3 2026 IndoStar Capital Finance Ltd Earnings Call Transcript
Key Points
- Indostar Capital Finance Ltd (NSE:INDOSTAR) reported a 20% overall growth in disbursements, reflecting improving business momentum, particularly in the vehicle finance segment.
- The company has made significant improvements in asset quality, with delinquency levels in the 2025 cohort nearly 50% lower than earlier cohorts.
- Indostar Capital Finance Ltd (NSE:INDOSTAR) has expanded its network to 448 branches across 23 states, enhancing its distribution capabilities.
- The company has successfully implemented digital processes, with over 80% of cases now processed through e-Agreement and EAT, and 50% through e-application.
- Indostar Capital Finance Ltd (NSE:INDOSTAR) maintains a strong balance sheet with a capital adequacy ratio of 14.4% and a debt-to-equity ratio of 1.2 times, providing ample headroom for growth.
- The company reported a rise in non-performing assets, prompting concerns about asset quality despite improvements in newer cohorts.
- Indostar Capital Finance Ltd (NSE:INDOSTAR) experienced a one-time impact of INR4.8 Crore due to changes in the wage code, affecting net profit.
- The EMI-to-EMI collection efficiency stood at around 90%, indicating room for improvement in collections.
- The company's net profit decreased to INR8.3 Crore from INR10.5 Crore in the previous quarter, partly due to the wage code impact.
- Indostar Capital Finance Ltd (NSE:INDOSTAR) faces challenges in maintaining yields amidst rising competition, particularly in the micro lab segment.
Ladies and gentlemen, good day and welcome to the Indostar Capital Finance Limited Q3 FY26 earnings conference call hosted by MUFG Intime.
(Operator Instructions).
Please note that this conference is being recorded. I now hand the conference over to Ms. Mamatha Nagar from MUFG Intime.
Thank you and over to you, ma'am.
Thank you. Good afternoon, ladies and gentlemen. I welcome you all to Q3 nine months FY26 earnings conference call for Indostar Capital Finance Limited.
To discuss this quarter's performance, we have from the management, Mr. Randhir Singh, Managing Director and Executive Vice Chairman, and Mr. Jayesh Jain, Chief Financial Officer.
Before we proceed with the call, I would like to mention that some of the statements made in today's call may be forward-looking and may involve risk and uncertainties. For more details, kindly refer to the investor presentation and other filings that can be found on the company's website. Without further ado, I would
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