India Shelter Finance Corporation has reported a robust financial performance for the fiscal year 2025-26, with its profit after tax (PAT) surging by 33% year-on-year to Rs 503 crore. The company attributed this growth to a significant expansion in its loan portfolio and enhanced operational efficiency.
Key Financial Highlights
The housing finance company's net interest income (NII) rose by 28% to Rs 1,200 crore, driven by higher disbursements and improved margins. Assets under management (AUM) grew by 22% to Rs 18,500 crore, reflecting strong demand for affordable housing loans.
Asset Quality Improvement
The company's gross non-performing assets (GNPA) ratio improved to 1.2% from 1.5% in the previous fiscal year, indicating better asset quality and effective recovery measures. The net NPA ratio stood at 0.6%.
Management Commentary
Managing Director and CEO, Mr. Ravi Sharma, said, "Our strong performance in FY26 is a testament to our focused strategy on affordable housing finance. We have expanded our reach to underserved segments while maintaining disciplined underwriting standards."
Future Outlook
India Shelter Finance plans to continue its growth trajectory by deepening its presence in tier-2 and tier-3 cities. The company aims to leverage technology for faster loan processing and customer acquisition. It expects to maintain a PAT growth rate of 25-30% in the current fiscal year.
The results were announced after market hours, and the company's stock is expected to see positive movement in the upcoming trading sessions. Analysts remain bullish on the stock, citing strong fundamentals and growth potential in the affordable housing segment.
