India Shelter reports Rs 143.02 cr standalone profit in Q1FY27
Operating margin stood 7.11 percentage points above the sector peer median, while management retained its 25–30% FY27 AUM-growth guidance.
Filed 06 Aug 2026, 15:01 IST · India Shelter Finance Corporation Ltd (INDIASHLTR)
Key takeaways
- Standalone net profit was Rs 143.02 cr, with other income of just Rs 0.06 cr indicating that earnings were largely operating-driven.
- The 71.54% operating margin was 7.11 percentage points above the 64.43% median for 51 Financial Services peers.
- Management maintained its FY27 guidance of 25–30% AUM growth while planning 40–45 new branches during the year.
Price around the results
Operating income drove the standalone profit
India Shelter reported standalone net profit of Rs 143.02 cr in Q1FY27, supported by Rs 309.32 cr of operating profit on revenue of Rs 432.39 cr. Other income was only Rs 0.06 cr, so the reported profit was not materially supported by non-operating income. Interest of Rs 121.12 cr and tax of Rs 42.16 cr were the main deductions below operating profit.
Margin was ahead of the Financial Services peer median
The company’s operating margin was 71.54%, which was 7.11 percentage points above the 64.43% median among 51 Financial Services peers that had reported the quarter. With no sequential or year-on-year comparison provided, the quarter’s margin direction cannot be assessed across periods.
Management retained growth guidance and branch plans
Management said it maintained its FY27 guidance of 25–30% AUM growth. The company told analysts it plans to open 40–45 branches during the financial year. Management also said DA as a percentage of Gross AUM was 17%, below the guided range of 18%, while digital collections covered 94% and e-signing covered 99% of applications.
Q1FY27 at a glance
Standalone figures as filed with NSE — filed ahead of third-party databases, not yet independently cross-checked.
| Line item | Q1FY27 |
|---|---|
| Revenue | ₹432 cr |
| Other income | ₹0 cr |
| Expenses | ₹123 cr |
| Operating profit | ₹309 cr |
| Operating margin (%) | 71.54% |
| Interest | ₹121 cr |
| Depreciation | ₹3 cr |
| Profit before tax | ₹185 cr |
| Tax | ₹42 cr |
| Net profit | ₹143 cr |
| EPS (₹) | ₹13.15 |
Operating margin of 71.54% compares with a Financial Services sector median of 64.43% across 51 peers that have reported Q1FY27.
What management said
From the company’s own investor presentation. Each point is checked against the source document before it appears here.
Guidance & outlook
- Management maintained its FY27 guidance of 25–30% AUM growth.
- DA as a percentage of Gross AUM was 17%, below the guided range of 18%.
Expansion
- The company plans to open 40–45 branches during the financial year.
New initiatives
- The company continues to focus on digital operations, including digital collections and e-signing.
What to watch
- Whether standalone operating margin remains above 71.54%.
- Whether DA as a percentage of Gross AUM moves up from 17% toward the guided range of 18%.
- Progress against management’s plan to open 40–45 branches during FY27.