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In this video, we deep-dive into India Shelter Finance Q3 FY26 Results and Management Concall Highlights. Despite taking a conservative growth approach, the company delivered strong profitability, healthy spreads, and clear guidance — while also transparently addressing the recent asset quality concerns. 🔹 What this video covers: AUM growth vs disbursements — why growth was intentionally slowed Strong 33% YoY PAT growth despite cautious underwriting Operating leverage kicking in — profits growing faster than AUM Cost of funds trend and impact of rate cuts Asset quality explained clearly — why GNPA rose and why management is not worried HL vs LAP performance and lower ticket loan stress FY26 & FY27 guidance + long-term AUM vision India Shelter Finance Q1 FY26 Results : • India Shelter Finance Q1 FY26 Results – 34... India Shelter Q2 FY26 Results: • India Shelter Q2 FY26 Results! #indiashelt... India Shelter Q2 FY26 Concall: • India Shelter Q2 FY26 Concall Highlights! ... 📌 This video is useful for long-term investors, NBFC followers, and anyone tracking affordable housing finance companies. ⚠️ Disclaimer: This video is for educational purposes only. I am not a SEBI-registered advisor. Please do your own research or consult a financial advisor before investing. 👉 If you find value, LIKE the video, SUBSCRIBE to the channel, and SHARE it with fellow investors. #indiashelterfinance #q3results #concall #earningcall #investing #stockmarket #financesector #nbfcstocks #growthstocks #smallcapstocks #housingfinance #IndiaSheltershare