Affordable Housing Redefined: India Shelter Reports 36% AUM Growth and 54% PAT Increase in Q3FY25

With 98% Digital Loan Processes and 265 Branches, India Shelter Sets New Industry Benchmarks

India Shelter Finance Corporation Limited, a leading name in affordable housing finance, has announced its financial results for Q3FY25. The company reported a remarkable 36 percent year-on-year growth in Assets Under Management (AUM), reaching ₹7,619 crore, and a 54 percent surge in Profit After Tax (PAT) to ₹96 crore.
This strong performance underscores the company’s mission to simplify housing loans for families across India. By leveraging digital transformation and expanding its physical network, India Shelter is redefining the housing finance landscape.
Rupinder Singh, Managing Director and CEO of India Shelter Finance Corporation, highlighted that the growth achieved reflects the company’s customer-focused strategies and its ability to adapt to the growing demand for affordable housing. He also emphasized the role of digital solutions and operational efficiency in driving these stellar results.

India Shelter processes nearly all its loan applications digitally, with 98 percent completed through e-signatures, and 96 percent of its collections done online. Over three-fourths of customers are registered on the company’s app, which enables easy access to loan management and service requests.
In addition to its technological advancements, India Shelter has expanded its branch network by adding five new branches in Q3FY25, taking the total to 265 across 15 states. This expansion allows the company to provide affordable housing finance to underserved regions, bridging critical gaps in financial inclusion.

The company’s financial strength was evident in its profitability metrics. Return on Assets (RoA) improved to 5.5 percent from 4.7 percent a year ago, while Return on Equity (RoE) rose to 15.1 percent, compared to 13.9 percent in Q3FY24. These metrics underscore the company’s ability to deliver value while maintaining operational excellence.
India Shelter also maintained strong asset quality, with Gross Stage 3 loans at just 1.2 percent of its portfolio, reflecting its effective risk management practices. Its liquidity position remains robust, with ₹1,752 crore available as of December 2024, ensuring financial stability even as it grows.

The company disbursed ₹879 crore in loans during Q3FY25, a 29 percent year-on-year increase. This growth reaffirms India Shelter’s commitment to enabling financial inclusion and helping families across the country achieve their homeownership dreams.
India Shelter Finance Corporation, with its innovative solutions, nationwide reach, and customer-first approach, continues to lead the affordable housing finance sector. The company’s efforts to combine digital technology with physical presence make it a game-changer in transforming India’s housing finance ecosystem.

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