Shareholders meeting

June 22, 2026 To, To, BSE Limited, National Stock Exchange of India Limited, Phiroze Jeejeebhoy Towers, Dalal Street, Exchange Plaza, C-1, Block G, Bandra Kurla Complex, Mumbai- 400001 Bandra (E), Mumbai – 400 051 Scrip Code: 544044 NSE Symbol: INDIASHLTR ISIN: INE922K01024 ISIN: INE922K01024 INE922K07104 INE922K07112 Sub: Annual Report for Financial Year 2025-26 and Notice of 28th Annual General Meeting (“AGM”) of India Shelter Finance Corporation Limited We wish to inform you that the 28th Annual General Meeting (“AGM”) of the members of India Shelter Finance Corporation Limited will be held on Thursday, July 16, 2026 at 11:00 A.M. (IST) through Video Conferencing / Other Audio-Visual Means (“VC/OAVM”), in accordance with the applicable circulars issued by the Ministry of Corporate Affairs and the Securities and Exchange Board of India to transact the businesses as set out in the Notice of AGM. Pursuant to Regulation 34(1) of Securities Exchange Board of India (Listing Obligations and Disclosure Requirements) Regulations, 2015, the Annual Report of the Company, along with the Notice of the AGM for the financial year 2025-26 is being sent to the members through electronic mode. Further, Pursuant to Regulation 36(1)(b) of the Securities Exchange Board of India (Listing Obligations and Disclosure Requirements) Regulations, 2015, the company will send physical intimation letters to those members whose email IDs are not registered with the Company/Depositories, providing the web link, including the exact path to access the Annual Report and Notice of the AGM. The Annual Report and the Notice of the AGM are enclosed herewith and are also available on the Company’s website at: 1. 28th AGM Notice 2. Integrated Annual Report- 2025-26 The details, including the manner of registering / updating email addresses, casting vote through e-voting, and attending the AGM through VC / OAVM are set out in the Notice of the AGM. Kindly take the above information on records. Thanking you. Yours faithfully, For India Shelter Finance Corporation Limited Mukti Chaplot Company Secretary and Compliance Officer Mem. No. 38326 India Shelter Finance Corporation Limited Registered office – 6th Floor, Plot No 15, Institutional Area, Sector 44, Gurgaon, Haryana-122002 CIN: L65922HR1998PLC042782, Phone No +91-124-4131800 E-mail: customer.care@indiashelter.in, Website: www.indiashelter.in CORPORATE OVERVIEW 02 About the Report 04 How to Navigate through and Read this Report 06 Theme Introduction 08 Key Performance Indicators 10 Interview with MD & CEO 14 About India Shelter 18 Our Journey 20 Key Differentiators 22 Our Business Offerings Disclaimer: 26 Business Model This document contains statements about expected future events and 28 Our Strategic Roadmap financials of India Shelter Finance Corporation Limited (‘The Company’), 30 External Environment which are ‘forward-looking’. By their nature, ‘forward-looking’ statements require the Company to make assumptions and are subject to inherent 32 Stakeholder Engagement risks and uncertainties. There is a significant risk that the assumptions, 34 Materiality Assessment predictions, and other forward-looking statements may not prove to 40 Risk Management be accurate. Readers are cautioned not to place undue reliance on forward-looking statements as several factors could cause assumptions, 44 Financial Capital actual future results and events to differ materially from those expressed 50 Service Capital in the forward-looking statements. Accordingly, this document is subject 54 Intellectual Capital to the disclaimer and qualified in its entirety by the assumptions, 58 Natural Capital qualifications and risk factors referred to in the Management Discussion and Analysis section of this Annual Report. 62 Human Capital 68 Social and Relationship Capital 74 Governance To access the Investor Relations page, please 82 Awards click on this link: 84 Corporate Information https://www.indiashelter.in/investor-relations Or, scan this QR code STATUTORY REPORTS 85 Director’s Report 101 Corporate Governance Report 129 Business Responsibility and Sustainability Report 175 Management Discussion and Analysis FINANCIAL STATEMENTS 196 Standalone 285 Consolidated 355 Notice 364 GRI Index INVESTOR INFORMATION Market : ` 8,207 Crs Capitalisation as of 31 March, 2026 CIN : L65922HR1998PLC042782 BSE Code : 544044 NSE Symbol : INDIASHLTR Dividend : ` 10 per Share Declared AGM Date : 16 July, 2026 AGM Venue : Virtual ABOUT THE REPORT This Report has been prepared in The preparation and disclosures in Scope and Boundary accordance with the principles of this Report are guided by the following Integrated Reporting (<IR>), as frameworks and regulations: Our report provides a holistic view of outlined by the International the Company, outlining our strategic Integrated Reporting Council (IIRC), Indian Regulatory Frameworks direction, operational performance, with a focus on addressing the and long-term value creation Indian Accounting Standards expectations of diverse stakeholders. initiatives. It covers our economic, (Ind AS) As the Company’s principal social, and environmental aspects communication document, it presents Companies Act, 2013 and its across all operational branches, along the strategies, business model, and applicable rules with our corporate office in Gurugram. the significant economic, social, and SEBI (Listing Obligations and environmental impact of India Shelter Disclosure Requirements) Finance Corporation Limited (‘India Regulations, 2015 Reporting Principles Shelter’, ‘The Company’, or ‘We’). National Guidelines on Responsible It also provides an overview of our Driven by our commitment to Business Conduct (NGRBC) operational and financial transparency, regulatory compliance Secretarial Standards issued performance, illustrating how we and meaningful stakeholder by the Institute of Company manage our business and deliver engagement, this Integrated Report Secretaries of India value. In line with our strategy, the has been prepared in accordance report identifies material issues that with globally accepted reporting Global Reporting and Sustainability may influence our ability to create principles and applicable Indian Frameworks sustainable value, while also covering regulatory requirements. The Report the social and environmental aspects aligns with the framework prescribed Integrated Reporting (<IR>) that are long-embedded in our by the International Integrated Framework by IIRC practices. This reflects our continued Reporting Council (IIRC) and is Global Reporting Initiative (GRI) progress in monitoring and disclosing supported by a comprehensive set of Standards 2021 relevant and material data across financial, sustainability and United Nations Sustainable these areas. governance standards. Development Goals (UN SDGs) Statutory sections of the Report, including the Board’s Report, Management Discussion and Analysis (MD&A), Corporate Governance Report and the Business Responsibility and Sustainability Report (BRSR), are prepared in compliance with the above-mentioned Indian regulatory requirements. weivrevo etaroproC 62-5202 tropeR launnA detargetnI detimiL noitaroproC ecnaniF retlehS aidnI Value Creation Model Materiality Independent Verification For over 15 years, we have established This Report presents the overview of We have conducted rigorous internal ourselves as one of India’s leading the materiality assessment process reviews of the financial and affordable housing finance that evaluates both financial impact non-financial disclosures in this report. companies, delivering significant on the Company and the broader S. R. Batliboi & Associates LLP has financial and non-financial value to impacts on stakeholders and the audited our financial statements, stakeholders. Guided by a strategic environment. We have identified 10 ensuring accuracy, reliability, and value creation model, we aim to material topics that are integral to our comp [Showing first 8,000 characters — download PDF for full document]