India Shelter Finance Corporation Ltd

India Shelter Finance Corporation Ltd — Trading window closed from Thursday, October 01, 2026 till 48 (forty- eight) hours after the dissemination of Unaudited Financial Results of the Company for the quarter and half year ended September 30, 2026

Capital / Securities

• Allotted 29,648 equity shares on Sept 23, 2026 under ESOP schemes 2021 and 2023.
• Total paid-up capital now Rs 54,59,84,825 with 10,91,96,965 shares.
• Shares rank pari-passu with existing equity shares and are identical.
• ISIN INE922K01024; listings on NSE and BSE.
• Exercise price per share: ESOP 2021 Rs 154.80; ESOP 2023 Rs 170.36.
• Premium per share: ESOP 2021 Rs 149.80; ESOP 2023 Rs 165.36.
• Total issued shares after this issue: 10,91,96,965.
• Filing numbers: BSE 200245/NSE 41278 (ESOP 2021); BSE 200247/NSE 41280 (ESOP 2023).

Meeting Details

• Sept 23, 2026 — Virtual group meeting at Citi India Financials Investor Forum (Citigroup Global Markets).
• Sept 28, 2026 — Mumbai session (one-on-one/group) for India’s Affordable Housing 2026 (ICICI Securities).

Participants

• Company officials to participate; specific roles not disclosed.

Purpose

• Purpose: investor interaction and discussions on business performance and strategy.

Additional Notes

• Investor Presentation uploaded on company website; intimated to stock exchanges on Aug 06, 2026.

Consolidated results status

• Subsidiary India Shelter Capital Finance Limited was liquidated; net proceeds distributed March 16, 2026.
• No subsidiary/associate/JV remained; consolidated results not prepared for quarter ended June 30, 2026.

Share Allotment & Capital Update

• 2,00,604 equity shares allotted under ESOP on Sep 08, 2026.
• Paid-up capital increased to Rs 54,58,36,585 with 10,91,67,317 equity shares.
• Allotted shares rank pari-passu with existing shares; listing formalities are in progress.
• ESOPs under 2021 and 2023 schemes disclosed in Annexure I.

Financial Performance

• PAT for quarter: INR 143 crores; YoY 20%; QoQ 4%; ROE 17.5%.
• Gross AUM: INR 11,284 crores; YoY growth 24%.
• Disbursement in quarter: INR 1,046 crores; one-time timing shift.
• Bank clearance around INR 1,040 crores; ~37% higher than Q1FY26.
• NHB funding drawn: INR 172 crores in Jun-26 at 7.3%.
• Liquidity: >INR 800 crores; undrawn sanction >INR 1,500 crores.
• Disbursement yield 14.9%; portfolio yield 14.8%; finance cost 8.2%; marginal cost of funds 7.9%.
• Average borrowing tenure >8 years.

Operating Update

• Stage 3 assets 1.5%; early delinquencies; expect stabilization by end of Q2FY27; recoveries from Q3FY27.
• BT-out rate ~4%; collection efficiency ~97%.
• Home loan ~57% of AUM; GNPA ~1.48%; LAP GNPA ~1.52%; LAP LTV ~45%.

Guidance and Outlook

• FY27 guidance: Branch additions 40-45; loan growth 25-30%; spreads >6%; credit cost 40-50 bps.
• AUM growth guidance reaffirmed: 25-30% for FY27.
• Incremental yield has risen; overall PLR pass-through and cost of funds managed.

Q&A Highlights

• AI adoption: three tools; vernacular language support; partners not disclosed; call-center deployments.
• July disbursement ~INR 400 crores; trend supports >20% disbursement growth; AUM guidance intact.
• Credit quality: Stage 3 ~1.5%; collection ~97%; SARFAESI-driven improvements expected by Q3.
• Policy shift: switch to check clearance; interest income unchanged; timing impact explained.
• Liability mix: ~20% fixed-rate; ~33% repo/T-Bill-linked; remaining linked to MCLR/PLR.

Meeting Details

• Event: earnings conference call for Q ended June 30, 2026, hosted by India Shelter Finance.

Purpose

• Purpose: discuss unaudited quarterly results for quarter ended June 30, 2026.

Availability

• Recording available online; transcripts to be posted within five working days.