India Shelter Finance Corporation Limited — Q2FY27 earnings call summary

Filed 11 November 2026 · Official transcript

FY27 guidance: Gross AUM growth 25-30%, credit cost 40-50 bps, spreads >6%, 40-45 branch additions
Credit cost H1 at ~60 bps due to seasonality and write-offs; expected to stay within 50 bps full year
Opex to AUM stable; expected improvement in H2FY27 from digital investments
Rating upgrade expected after 3-year vintage milestone in coming quarters
53% portfolio variable/semi-variable rate; cost of funds stable at 8.2%, NIM above 9%
Gross AUM reached Rs. 11,997 Cr, +26% y-y; disbursement Rs. 1,126 Cr, +21% y-y in Q2FY27
H1 PAT grew 20% y-y; normalized PAT growth 28% excluding lower direct assignment impact
ROE above 17% for 6 consecutive quarters; net worth Rs. 3,401 Cr