The Quarter story
The two most recent quarterly results, compared side-by-side.
India Shelter Finance scales AUM to ₹11,284 Cr with steady profits, but rising loan defaults and funding costs need attention.
Gross AUM grew from ₹8,712 Cr in Q1 FY26 to ₹11,284 Cr in Q1 FY27, expanding the loan book
30+ day delinquencies climbed from 4.5% in Q1 FY26 to 5.2% in Q1 FY27, signaling collection pressure
Profit after tax rose from ₹119 Cr in Q1 FY26 to ₹143 Cr in Q1 FY27, maintaining steady earnings
Gross NPA rose from 1.2% in Q1 FY26 to 1.5% in Q1 FY27, indicating emerging credit stress
Account aggregator adoption jumped from 48% in Q1 FY26 to 95% in Q1 FY27, speeding up credit checks
Cost to income ratio increased from 35.1% in Q1 FY26 to 36.1% in Q4 FY26, reflecting higher operational costs
Liquidity buffer expanded from ₹1,216 Cr in Q1 FY26 to ₹2,423 Cr in Q1 FY27, strengthening cash reserves
Stage 2 ECL provisions doubled from ₹8.8 Cr in Q1 FY26 to ₹18.9 Cr in Q1 FY27, covering watchlist loans
Self-employed borrower share increased from 75% in Q1 FY26 to 78% in Q1 FY27, diversifying the customer base
Employee training hours dropped from 16,952 in Q1 FY26 to 10,631 in Q3 FY26, reducing skill development time
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