India Shelter Reports Strong Q3FY25 Performance with 36 percent YoY AUM Growth and 54 percent Surge in PAT

• 
  
  AUM
  as
  of
  Q3FY25
  at
  Rs.
  7,619
  Crs,
  growth
  of
  36%
  YoY 

• 
  
  Disbursements
  at
  Rs.
  879
  Crs,
  growth
  of
  29%
  YoY

• 
  
  PAT
  of
  Rs.
  96
  Crs
  for
  Q3FY25,
  growth
  of
  54%
  YoY

• 
  
  RoA
  for
  Q3FY25
  at
  5.5%
  and
  RoE
  for
  Q3FY25
  at
  15.1% 

India
Shelter
Finance
Corporation
Limited
announced
its
financial
results
for
the
3rd
Quarter
of
Fiscal
year
2025.
The
Board
of
Directors
of
India
Shelter
Finance
Corporation
at
its
meeting
held
today,
approved
the
unaudited
financial
results
for
quarter
and
nine-month
ended
December
31,
2024.

Commenting
on
the
performance,
Mr.
Rupinder
Singh,
Managing
Director,
and
CEO
of
India
Shelter
Finance
Corporation
said:
We
are
pleased
to
announce
that
the
Company
delivered
strong
performance
in
the
third
quarter
of
FY25
driven
by
strong
demand
environment
in
the
affordable
housing
segment.
We
delivered
an
AUM
growth
of
36%
YoY
to
Rs.
7,619
Crs
supported
by
a
disbursement
growth
of
29%
YoY
to
Rs.
879
Crs. 

India
Shelter
Reports
Strong
Q3FY25
Performance
with
36%
YoY
AUM
Growth
and
54%
Surge
in
PAT

Key
Performance
Metrics:

We
continue
to
maintain
strong
focus
on
leveraging
tech
to
improve
operations,
onboarding
and
customer
experience.
Company
now
processes
96%
digital
collections,
98%
e-signing
of
applications,
78%
of
our
customers
are
registered
on
the
app
with
71%
service
requests
raised
via
the
app. 

With
continued
focus
on
branch
expansion,
technology
innovation
&
manpower
addition
we
strive
to
improve
our
efficiency
metrics.
Cost
to
Income
improved
to
37.4%
in
Q3FY25
from
41.1%
in
Q3FY24.
During
the
quarter
we
added
5
new
branches
to
reach
a
count
of
265
branches
across
15
states. 

Profitability:

• 
  
  Profit
  after
  tax
  grew
  by
  54%
  YoY
  to
  Rs.
  96
  Crs
  in
  Q3FY25
  as
  against
  Rs.
  62
  Crs
  in
  Q3FY24 

• 
  
  RoA
  improved
  to
  5.5%
  in
  Q3FY25
  from
  4.7%
  in
  Q3FY24 

• 
  
  RoE
  improved
  to
  15.1%
  in
  Q3FY25
  from
  13.9%
  in
  Q3FY24 

Borrowings
&
Liquidity:

• 
  
  Networth
  is
  at
  Rs.
  2,595
  Crs
  as
  of
  December’24.
  The
  company
  continues
  to
  carry
  a
  liquidity
  of
  Rs.
  1,752
  Crs
  as
  of
  December’24 

• 
  
  In
  Q3FY25,
  cost
  of
  funds
  was
  maintained
  at
  8.8%

Asset
Quality
&
Provisions:

• 
  
  Gross
  Stage
  3
  and
  Net
  Stage
  3
  at
  1.2%
  and
  0.9%
  as
  of
  31st
  December’24 

• 
  
  30+
  DPD
  stood
  at
  3.7%
  as
  of
  31st
  December’24 

• 
  
  Credit
  Cost
  for
  the
  quarter
  at
  0.5%

About
India
Shelter
Finance
Corporation

India
Shelter
provides
affordable
home
loans
and
loan
against
property
in
Tier
2
and
3
geographies
in
India.
India
Shelter
provides
home
loans
to
customers
from
low-and
middle-income
segments
who
are
building
or
buying
their
first
homes.
The
company
has
strong
distribution
moat
with
its
Pan-India
network
in
15
states
via
265
branches
and
maintains
a
granular
portfolio.
The
company
is
being
run
by
an
experienced
professional
management
team
backed
by
marquee
investors.