Here's a concise summary for retail investors: **1. Business Performance:** India Shelter Finance saw robust growth, with Gross AUM up 29% YoY to Rs. 11,044 Cr and FY26 Profit After Tax jumping 33% YoY to Rs. 503 Cr.

Q4 PAT also grew 27% YoY to Rs. 138 Cr.

The company continues its strong focus on Tier 2 & 3 cities, serving 91% of its customers there, with an average ticket size of Rs. 0.1 Cr. **2. Growth Drivers or Strategy:** The company is expanding its distribution, adding 41 branches in FY26 for a total of 307 across 15 states.

Tech leverage remains key, with 95% digital collections and 99% e-signing enhancing efficiency.

Cost of funds improved by 50bps YoY to 8.2%, reflecting optimized borrowing costs. **3. Recent Developments:** Gross AUM surpassed Rs. 11,000 Cr and annual PAT crossed Rs. 500 Cr.

Digital adoption is high, with 94% Account Aggregator penetration. **4. Key Financial Metrics:** FY26 RoA stood at 5.8% and RoE at 17.0%. Asset quality remains healthy with Gross Stage 3 at 1.2% and Net Stage 3 at 0.9%. **5. Management Commentary / Outlook:** Management aims to further diversify its network, enhance brand equity, and maintain robust asset quality through its in-house processes and strong governance.