Investor Presentation

August 06, 2026 To, To, BSE Limited, National Stock Exchange of India Limited, Phiroze Jeejeebhoy Towers, Dalal Exchange Plaza, C-1, Block G, Bandra Kurla Street, Mumbai- 400001 Complex, Bandra (E), Mumbai – 400 051 Scrip Code: 544044 NSE Symbol: INDIASHLTR ISIN: INE922K01024 ISIN: INE922K01024 INE922K07104 INE922K07112 INE922K07120 Sub: Investor Presentation under Regulation 30 of SEBI (Listing Obligations and Disclosure Requirements) Regulations 2015. Dear Sir/Madam, Pursuant to Regulation 30 of the SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015, please find enclosed herewith a copy of Investor Presentation of the Company on the Unaudited Financial Results for the quarter ended June 30, 2026. The above information shall also be made available on the Company's website at https://www.indiashelter.in/investor-relations 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 Investor Presentation Q1FY27 India Shelter Finance Corporation Limited Safe Harbor This presentation and the accompanying slides (“Presentation”), which have been prepared by India Shelter Finance Corporation Limited (the "Company"), have been prepared solely for information purposes and do not constitute any offer, recommendation or invitation to purchase or subscribe for any securities, and shall not form the basis or be relied on in connection with any contract or binding commitment whatsoever. No offering of securities of the Company will be made except by means of a statutory offering document containing detailed information about the Company. This Presentation has been prepared by the Company based on information and data which the Company considers reliable, but the Company makes no representation or warranty, express or implied, whatsoever, and no reliance shall be placed on, the truth, accuracy, completeness, fairness and reasonableness of the contents of this Presentation. This Presentation may not be all inclusive and may not contain all of the information that you may consider material. Any liability in respect of the contents of, or any omission from, this Presentation is expressly excluded. Forward looking statements concerning the Company's future business prospects and business profitability are subject to a number of risks and uncertainties and the actual results could materially differ from those in such forward-looking statements. The risks and uncertainties relating to these statements include, but are not limited to, risks and uncertainties regarding fluctuations in earnings, our ability to manage growth, competition (both domestic and international), economic growth in India and abroad, ability to attract and retain highly skilled professionals, time and cost over runs on contracts, government policies and actions regulations, interest and other fiscal costs generally prevailing in the economy. The Company does not undertake to make any announcement in case any of the forward-looking statements become materially incorrect in future or update any forward-looking statements made from time to time by or on behalf of the Company. Q1FY27 Snapshot Gross AUM1 Employees Spread Gross Stage 3 ROA Transitioned to Rs. Crore disbursement 4,964 6.6% 1.5% 5.8% 11,284 booking at realization Disbursement States Secured Book Net Stage 3 ROE Transitioned to Rs. Crore disbursement 15 100% 1.2% 17.5% booking at realization PAT Branches Average Ticket Size2 PCR4 CRAR | Leverage Rs. Crore Rs. Lakhs 143 307 26% 59.1% | 3.0 20% YoY 10 Net Worth In-House Sourcing LTV3 Credit Cost Credit Rating5 Rs. Crore 99% 52% 0.5% AA- 3,353 Investors and Analysts can download the excel factsheet from our website 1 – Includes AUM and Partner’s Share in Co-Lending Loans | 2 – On disbursement | 3 – Sanctioned LTV On Gross AUM | 4 - PCR – Stage 3 | 5 – CARE Rating, ICRA, IND RA Key Highlights & Executive Summary – Q1FY27 • Company transitioned to disbursement booking at realization during Q1FY27 Business • Gross AUM grew 24% YoY to Rs. 11,284 Cr Gross AUM Spread Metrics & • Portfolio LTV maintained at 52%, ATS continues at Rs. 10 Lacs Expansion • Geographic presence stood at 307 locations as of 30th June’26, plan to open 40-45 branches this Financial Year Rs. Crore Transitioned to • AI is being institutionalized and embedded across Business, Credit, Collections, Operations, 11,284 disbursement 6.6% Compliance & Marketing. booking at realization Operations & • Continues to maintain strong focus on leveraging tech to improve operations, onboarding Technology and customer experience • Continues to focus on digital operations, company now processes 94% digital collections, 99% e-signing of applications Disbursement ROE • Cost of Funds (COF) improved by 40 bps YoY to 8.2% as of June’26 Liquidity & • Spreads stable at 6.6% Cost of • Comfortable liquidity position, liquidity buffer stood at Rs. 2,423 Crs as of 30th June’26 Rs. Crore Borrowing Transitioned to • DA as a % of Gross AUM at 17%, maintaining below the guided range of 18% 641 disbursement 17.5% booking at realization Operating • Net Income grew by 22% YoY to Rs. 312 Crs in Q1FY27 as against Rs. 255 Crs in Q1FY26 Efficiencies • In Q1FY27, Opex to Gross AUM stood at 4.0% PAT Gross Stage 3 • Gross Stage 3 and Net Stage 3 at 1.5% and 1.2% as of 30th June’26 as against 1.2% and 0.9% Asset as of 30th June’25 Quality • 30+ DPD at 5.2% as of 30th June’26 Rs. Crore • Credit Cost for the quarter at 0.5% 143 1.5% • Profit after tax grew by 20% YoY to Rs. 143 Crs in Q1FY27 as against Rs. 119 Crs in Q1FY26 Profitability1 • In Q1, the annualized RoA stood at 5.8% as against 6.0% in Q1FY26 • In Q1, the annualized RoE stood at 17.5% as against 17.2% in Q1FY26 Understanding Q1FY27 Disbursement • During Q1FY27, the Company consciously transitioned Disbursement at Booking (Rs. Crores) to recognizing disbursements on cheque realization 1,040 rather than cheque handover. This one-time accounting change has shifted a portion of disbursement recognition across reporting periods and temporarily impacted reported Q1FY27 disbursements. Q4FY26 Q1FY27 • This activity has no P&L impact as benefit of interest was Disbursement at Clearance (Rs. Crores) already being provided to the customers. 1,046 • Excluding this timing impact, business trends remained 1,018 healthy with strong sanction and login pipeline, and management continues to maintain its FY27 guidance of 25-30% AUM growth. Q4FY26 Q1FY27 About the Company Business Update Tech, Credit & Risk Financials India Shelter Finance Corporation Limited Who we are What we do Deep Vintage India Shelter provides affordable home Founded in 2010, India Shelter has a 16-year loans and loan against property in Tier 2 vintage that results in deep understanding of Focus on and 3 geographies in India for last 16 years the segment Underserved Focus Segment Corporate Governance Customer Base Provides home loans to customers from Strong focus on Corporate Governance, led by low-and middle-income segments who diverse Board with extensive experience in Split by Borrower Type (Q1FY27) are building or buying their first homes. various facets of Banking and Finance Granular Portfolio with Pan Experienced Team 72% 91% 82% India presence Company is being run by experienced professional management team backed by India Shelter has strong distribution moat First Time Tier II & LIG + with its Pan-India network in 15 states via marquee investors Mortgage Tier III MIG Borrowers 307 branches and maintains a granular portfolio with ATS of ~ Rs. 10 Lacs Tech enabled Underwriting & Risk 99% 78% Tech backed and tested underwriting and [Showing first 8,000 characters — download PDF for full document]