{"id":81509,"date":"2026-05-04T17:22:29","date_gmt":"2026-05-04T11:52:29","guid":{"rendered":"https:\/\/univest.in\/blogs-2\/?p=81509"},"modified":"2026-05-04T17:22:30","modified_gmt":"2026-05-04T11:52:30","slug":"india-shelter-finance-q4-results-fy26","status":"publish","type":"post","link":"https:\/\/univest.in\/blogs-2\/india-shelter-finance-q4-results-fy26\/","title":{"rendered":"India Shelter Finance Q4 Results FY26 PAT Rs 137 Crore Up 27 Percent"},"content":{"rendered":"<div class=\"meta-block\"><\/div>\n<p>India Shelter Finance Q4 results for FY26 delivered strong growth consistent with the company&#8217;s positioning as one of India&#8217;s fastest-growing affordable housing finance companies. Income rose 25% year on year to Rs 408 crore while net profit climbed 27% to Rs 137.58 crore. The India Shelter Finance Q4 results reflect robust loan disbursements in Tier 2, 3, and 4 cities.<\/p>\n<p>For the full year FY26, India Shelter Finance Q4 results capped a year where PAT reached Rs 503 crore, up 33% year on year. The India Shelter Finance Q4 results board declared a dividend of Rs 10 per share for FY26. The India Shelter Finance Q4 results FY26 confirm the structural tailwinds in affordable home loans in India&#8217;s underpenetrated housing finance market.<\/p>\n<p><a href=\"https:\/\/univest.in\/user\/log-in\"><strong>Get Free Stock Recommendations on Univest<\/strong><\/a><\/p>\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_65 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title \" >Table of Contents<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/univest.in\/blogs-2\/india-shelter-finance-q4-results-fy26\/#India_Shelter_Finance_Q4_FY26_Results_at_a_Glance\" title=\"India Shelter Finance Q4 FY26 Results at a Glance\">India Shelter Finance Q4 FY26 Results at a Glance<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/univest.in\/blogs-2\/india-shelter-finance-q4-results-fy26\/#Key_Highlights_from_India_Shelter_Finance_Q4_FY26_Results\" title=\"Key Highlights from India Shelter Finance Q4 FY26 Results\">Key Highlights from India Shelter Finance Q4 FY26 Results<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/univest.in\/blogs-2\/india-shelter-finance-q4-results-fy26\/#Income_and_PAT_Growth_Sustained\" title=\"Income and PAT Growth Sustained\">Income and PAT Growth Sustained<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/univest.in\/blogs-2\/india-shelter-finance-q4-results-fy26\/#Affordable_Housing_Loan_Book_Expansion\" title=\"Affordable Housing Loan Book Expansion\">Affordable Housing Loan Book Expansion<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/univest.in\/blogs-2\/india-shelter-finance-q4-results-fy26\/#What_Drove_India_Shelter_Finance_Q4_FY26_Performance\" title=\"What Drove India Shelter Finance Q4 FY26 Performance\">What Drove India Shelter Finance Q4 FY26 Performance<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/univest.in\/blogs-2\/india-shelter-finance-q4-results-fy26\/#Dividend_and_Capital_Allocation\" title=\"Dividend and Capital Allocation\">Dividend and Capital Allocation<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/univest.in\/blogs-2\/india-shelter-finance-q4-results-fy26\/#Outlook_for_FY27\" title=\"Outlook for FY27\">Outlook for FY27<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/univest.in\/blogs-2\/india-shelter-finance-q4-results-fy26\/#Conclusion\" title=\"Conclusion\">Conclusion<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/univest.in\/blogs-2\/india-shelter-finance-q4-results-fy26\/#Frequently_Asked_Questions\" title=\"Frequently Asked Questions\">Frequently Asked Questions<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/univest.in\/blogs-2\/india-shelter-finance-q4-results-fy26\/#What_was_India_Shelter_Finance_Q4_FY26_PAT\" title=\"What was India Shelter Finance Q4 FY26 PAT?\">What was India Shelter Finance Q4 FY26 PAT?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/univest.in\/blogs-2\/india-shelter-finance-q4-results-fy26\/#What_is_India_Shelter_Finance_FY26_full_year_PAT\" title=\"What is India Shelter Finance FY26 full year PAT?\">What is India Shelter Finance FY26 full year PAT?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/univest.in\/blogs-2\/india-shelter-finance-q4-results-fy26\/#What_dividend_did_India_Shelter_Finance_declare_for_FY26\" title=\"What dividend did India Shelter Finance declare for FY26?\">What dividend did India Shelter Finance declare for FY26?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-13\" href=\"https:\/\/univest.in\/blogs-2\/india-shelter-finance-q4-results-fy26\/#Which_cities_does_India_Shelter_Finance_operate_in\" title=\"Which cities does India Shelter Finance operate in?\">Which cities does India Shelter Finance operate in?<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-14\" href=\"https:\/\/univest.in\/blogs-2\/india-shelter-finance-q4-results-fy26\/#Recent_Article\" title=\"Recent Article\">Recent Article<\/a><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"India_Shelter_Finance_Q4_FY26_Results_at_a_Glance\"><\/span><strong>India Shelter Finance Q4 FY26 Results at a Glance<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<table>\n<tbody>\n<tr>\n<th>Metric<\/th>\n<th>Q4 FY26<\/th>\n<th>Change \/ Context<\/th>\n<\/tr>\n<tr>\n<td>Total Income Q4 FY26<\/td>\n<td>Rs 408 crore<\/td>\n<td>+25% YoY<\/td>\n<\/tr>\n<tr>\n<td>Net Profit PAT Q4 FY26<\/td>\n<td>Rs 137.58 crore<\/td>\n<td>+27% YoY<\/td>\n<\/tr>\n<tr>\n<td>FY26 Full Year PAT<\/td>\n<td>Rs 503 crore<\/td>\n<td>+33% YoY<\/td>\n<\/tr>\n<tr>\n<td>Dividend<\/td>\n<td>Rs 10 per share<\/td>\n<td>FY26 payout<\/td>\n<\/tr>\n<tr>\n<td>Loan Book Growth<\/td>\n<td>Healthy<\/td>\n<td>Tier 2\/3\/4 cities<\/td>\n<\/tr>\n<tr>\n<td>Asset Quality<\/td>\n<td>Stable<\/td>\n<td>Controlled NPA<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>Track live India Shelter Finance financials, analyst ratings and peer comparisons on the <a href=\"https:\/\/univest.in\/screeners\"><strong>Univest Screener<\/strong><\/a>.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Key_Highlights_from_India_Shelter_Finance_Q4_FY26_Results\"><\/span><strong>Key Highlights from India Shelter Finance Q4 FY26 Results<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<h3><span class=\"ez-toc-section\" id=\"Income_and_PAT_Growth_Sustained\"><\/span><strong>Income and PAT Growth Sustained<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>India Shelter Finance Q4 results FY26 showed income growing 25% to Rs 408 crore and PAT growing 27% to Rs 137.58 crore. Over the full year FY26, PAT grew 33% to Rs 503 crore, establishing India Shelter Finance as one of the fastest-growing housing finance companies in India. The India Shelter Finance Q4 results confirm consistent execution of the company&#8217;s geographic expansion strategy in smaller cities.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Affordable_Housing_Loan_Book_Expansion\"><\/span><strong>Affordable Housing Loan Book Expansion<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>The loan book for India Shelter Finance Q4 results FY26 continued to expand in underserved Tier 2, 3, and 4 cities. The India Shelter Finance Q4 results reflect an average loan size of Rs 8 to 12 lakh targeted at salaried and self-employed customers in smaller cities, giving the company a differentiated positioning in the housing finance sector with lower competitive intensity.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"What_Drove_India_Shelter_Finance_Q4_FY26_Performance\"><\/span><strong>What Drove India Shelter Finance Q4 FY26 Performance<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>India Shelter Finance Q4 results were driven by sustained demand for affordable housing loans in non-metro India, a segment that remains significantly underpenetrated by larger banks. The India Shelter Finance Q4 results branch expansion into new geographies generated healthy disbursement growth. Asset quality remained well-managed with NPA levels in line with the segment&#8217;s risk profile.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Dividend_and_Capital_Allocation\"><\/span><strong>Dividend and Capital Allocation<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>India Shelter Finance declared a dividend of Rs 10 per share for FY26 as part of the India Shelter Finance Q4 results announcement. The company continues to balance dividend payouts with retaining capital to fund loan book growth, which is the primary driver of its valuation re-rating story. The India Shelter Finance Q4 results FY26 earnings base supports this approach.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Outlook_for_FY27\"><\/span><strong>Outlook for FY27<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Post India Shelter Finance Q4 results FY26, the company is well-positioned to sustain 25 to 30% growth in income and PAT in FY27. The affordable housing market in India remains structurally underpenetrated in non-metro geographies. RBI rate cuts in 2026 will improve cost of funds for India Shelter Finance and support NIM expansion, adding to the strong India Shelter Finance Q4 results base.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Conclusion\"><\/span><strong>Conclusion<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>India Shelter Finance Q4 results FY26 showed income at Rs 408 crore up 25% and PAT at Rs 137.58 crore up 27%, capping a full year FY26 PAT of Rs 503 crore up 33%. The India Shelter Finance Q4 results FY26 confirm the company as a high-quality affordable housing finance compounder. Investors tracking India Shelter Finance Q4 results should monitor loan book growth rates, asset quality trends, and the impact of RBI rate cuts on NIMs.<\/p>\n<p>Download the <a href=\"http:\/\/apps.apple.com\/in\/app\/univest-stocks-investment\/id6443753518\" rel=\"nofollow noopener\" target=\"_blank\"><strong>Univest iOS App<\/strong><\/a> or <a href=\"http:\/\/play.google.com\/store\/apps\/details?id=com.univest.capp&amp;hl=en_IN\" rel=\"nofollow noopener\" target=\"_blank\"><strong>Univest Android App<\/strong><\/a> for live Q4 results tracking and expert research.<\/p>\n<p><em>Disclaimer: This article is for informational purposes only and does not constitute investment advice. Consult a SEBI-registered financial advisor before making investment decisions.<\/em><\/p>\n<h2><span class=\"ez-toc-section\" id=\"Frequently_Asked_Questions\"><\/span><strong>Frequently Asked Questions<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<h3><span class=\"ez-toc-section\" id=\"What_was_India_Shelter_Finance_Q4_FY26_PAT\"><\/span><strong>What was India Shelter Finance Q4 FY26 PAT?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>India Shelter Finance Q4 results FY26 reported net profit PAT of Rs 137.58 crore, up 27% year on year, driven by strong loan disbursements and healthy net interest margins in affordable housing segments.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"What_is_India_Shelter_Finance_FY26_full_year_PAT\"><\/span><strong>What is India Shelter Finance FY26 full year PAT?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Full year FY26 PAT for India Shelter Finance reached Rs 503 crore, up 33% year on year, as confirmed in the India Shelter Finance Q4 results FY26 annual earnings summary.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"What_dividend_did_India_Shelter_Finance_declare_for_FY26\"><\/span><strong>What dividend did India Shelter Finance declare for FY26?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>India Shelter Finance declared a dividend of Rs 10 per share for FY26, reflecting strong full-year earnings delivery confirmed in the India Shelter Finance Q4 results FY26.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Which_cities_does_India_Shelter_Finance_operate_in\"><\/span><strong>Which cities does India Shelter Finance operate in?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>India Shelter Finance focuses on affordable home loans in Tier 2, 3, and 4 cities with average loan sizes of Rs 8 to 12 lakh, as highlighted in the India Shelter Finance Q4 results FY26 analysis.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Recent_Article\"><\/span><strong>Recent Article<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p class=\"text-xl font-bold font-Inter mb-4\"><a href=\"https:\/\/univest.in\/blogs\/why-is-ahlucont-share-price-falling-key-reasons-2026\">Why Is Ahluwalia Contracts Share Price Falling Key Reasons 2026<\/a><\/p>\n<p class=\"text-xl font-bold font-Inter mb-4\"><a href=\"https:\/\/univest.in\/blogs\/why-is-ahlucont-share-price-falling-key-reasons-2026\">Why Is Ahluwalia Contracts Share Price Falling Key Reasons 2026<\/a><\/p>\n<p class=\"text-xl font-bold font-Inter mb-4\"><a href=\"https:\/\/univest.in\/blogs\/why-is-nuvoco-share-price-falling-key-reasons-2026\">Why Is Nuvoco Vistas Corporation Share Price Falling Key Reasons 2026<\/a><\/p>\n<p class=\"text-xl font-bold font-Inter mb-4\"><a href=\"https:\/\/univest.in\/blogs\/why-is-capacite-share-price-falling-key-reasons-2026\">Why Is Capacite Infraprojects Share Price Falling Key Reasons 2026<\/a><\/p>\n<p class=\"text-xl font-bold font-Inter mb-4\"><a href=\"https:\/\/univest.in\/blogs\/why-is-psp-projects-share-price-falling-key-reasons-2026\">Why Is PSP Projects Share Price Falling Key Reasons 2026<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>India Shelter Finance Q4 results FY26 show income at Rs 408 crore up 25% and PAT at Rs 137.58 crore up 27% YoY. FY26 full year PAT at Rs 503 crore up 33%. Dividend Rs 10 per share.<\/p>\n","protected":false},"author":28,"featured_media":81547,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[842],"tags":[3802,3858,3983],"class_list":["post-81509","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-news","tag-news","tag-q4-results","tag-q4-results-2026"],"metadata":{"rank_math_internal_links_processed":["1"],"_edit_lock":["1777895556:28"],"_last_editor_used_jetpack":["block-editor"],"rank_math_primary_category":["842"],"rank_math_seo_score":["73"],"rank_math_title":["India Shelter Finance Q4 Results FY26 PAT Rs 137 Crore Up 27 Percent"],"rank_math_description":["India Shelter Finance Q4 results FY26: Income Rs 408 crore up 25%, PAT Rs 137.58 crore up 27%, FY26 PAT Rs 503 crore up 33%, dividend Rs 10. 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