India Shelter Finance Q4FY26 PAT Up 27% YoY

India Shelter Finance reported Q4FY26 PAT of ₹138 crore, up 27% YoY and 11% QoQ, with AUM reaching ₹11,044 crore, a 29% YoY growth.
Asset quality improved with Gross Stage-3 declining 29 bps QoQ to 1.2% and Net Stage-3 declining 23 bps to 0.9%, while ROE improved to 17.6%.
Management provided guidance for FY27, including 25-30% loan growth, 40-45 branch additions, credit costs of 40-50 bps, and a target to reach ₹30,000 crore AUM by 2030.
The company maintained a spread above 6%, with a bucket cost of funds at 8.2% and a marginal cost of 7.9%, while reducing fixed-rate portfolio exposure funded by variable liabilities from 33% to 8%.