Star Housing Finance Limited · BSE:STARHFL
Star Housing Finance — Q1 FY2025-26 Earnings Presentation
16 slides from Star Housing Finance's earnings presentation, Aug 21, 2025
Slide 1: BSE filing cover letter: Investor Presentation
Date: 21.08.2025 ISIN: INE526R01028 SCRIP CODE: 539017 SCRIP ID: STARHFL PAN NO. AAGCA1988C To, BSE Limited Phiroze Jeejeebhoy Towers, Dalal Street, Mumbai-400001 Sub: Investor Presentation Dear Sir / Madam, Pursuant to Regulation 30 of SEBI (Listing Obligation and Disclosure Requirements) Regulatio
Slide 2: Star Housing Finance Ltd Corporate Deck
Star Housing Finance Ltd CORPORATE DECK
Slide 3: Star HFL - Company Brief
STAR HFL - COMPANY BRIEF ABOUT US KEY FIGURES ▪ Listed on the BSE (BOM: 539017) ▪ AUM at 546.58 crs with 5400+ live accounts with Avg. Loans Size of Rs. 10 lakhs ▪ Affordable housing finance company ▪ GNPA at 1.65% and NNPA at 1.13% as of Jun 30, 2025 ▪ PBT of Rs. 1.77 crs for Q1 FY’2025-26 ▪ Regist
Slide 4: Board of Directors
STAR HOUSING FINANCE BOARD OF DIRECTORS SING INANE Kalpesh Dave A.P Saxena Ajith Lakshmanan Director & CEO Independent Director Independent Director Ex-GM NHB Ex-ED LIC of India fe Neelam Tater Independent Director CA & CS Professional P.K Das Independent Director Ex-ED IDBI Bank
Slide 5: Leadership Team
LEADERSHIP TEAM Hemant Shinde Director & CEO Head – Fund Raising Murtaza Vohra Nikhil Sahu Head - Planning Head - BIU 4
Slide 6: Becoming a Professionally Run HFC
BECOMING A PROFESSIONALLY RUN HFC COMPANY TRANSITION BUSINESS TRANSITION Before Oct 2019 As of Now Before Oct 2019 As of Now Franchise based Business Model In-house business model Old Name New Name Geographic concentration Multi-state presence Registered & 11 member team 280+ strong team Registered
Slide 7: Becoming a Professionally Run HFC (contd.)
BECOMING A PROFESSIONALLY RUN HFC (contd.) LIABILITY TRANSITION BOARD TRANSITION Before Oct 2019 As of Now Before Oct 2019 As of Now Diversified Borrowing Profile with Borrowings predominantly from focus on PSBs. Private Sector Banks, Financial Institutions FIs and the NHB Professional characteristi
Slide 8: Net Worth Strengthened Consistently
NET WORTH STRENGTHENED CONSISTENTLY 160 Figures in Rs. crs 53.6 145 140 120 15.0 100 Cumulative 2.19 2.19 11.2 PAT Fund raise accretion 80 21.6 ESOP I ESOP I Tranche II through Tranche I Warrants Capital Exercised Exercised Raise 60 8.2 4 15.5 Capital 40 Capital Raise 30.52 Raise 3 Capital 2 20 Rais
Slide 9: Key Portfolio Cuts as of Jun 30, 2025
KEY PORTFOLIO CUTS AS OF JUN 30, 2025 Wholesale Retail 0-60 month 61-120 month Up to 25 lakh 25-50 lakhs 1% 121-180 month 181-240 month 14.00% 7% 2.00% Ticket Product Tenure Size Wise Wise wise 48.00% 36.00% 99% 93% Gujarat Madhya Pradesh Up to 16% 16-22% 22-28% Up to 50% 50-60% 61-70% 71-80% >80% M
Slide 10: Company Debt as of Jun 30, 2025
COMPANY DEBT AS OF JUN 30, 2025 Sanction Amt. Rs. 85.00 crs Rs. 84.75 crs* Rs. 10.00 crs Rs. 20.00 crs Rs. 2.92 crs Rs. 60.00 crs Rs. 35.00 crs Outstanding Amt. Rs. 57.84 crs Rs. 59.55 crs Rs. 9.64 crs Rs. 15.02 crs Rs. 0.12 crs Rs. 43.66 crs Rs. 25.11 crs No. of Credit 8 3 1 2 1 3 5 Lines Sanction
Slide 11: Business Historicals
BUSINESS HISTORICALS Disbursements (In Rs. Crs.) 241 AUM (In Rs. Crs.) 207 547 200 149 521 427 100 37 400 246 24 200 104 0 FY'21-22 FY'22-23 FY'23-24 FY'24-25 Q1 FY'25-26 0 FY'21-22 FY'22-23 FY'23-24 FY'24-25 Q1 FY'25-26 ▪ FY’22-23 is the first growth year post capacity build up ▪ 22%+ y-o-y growth
Slide 12: Financial Historicals
FINANCIAL HISTORICALS Net Worth (In Rs. Crs.) Borrowings (In Rs. Crs.) 200 143.88 145.43 450 403.81 391.91 133.01 320.30 150 106.42 100 64.10 300 162.50 50 150 78.48 0 0 FY'21-22 FY'22-23 FY'23-24 FY'24-25 Q1 FY'25-26 FY'21-22 FY'22-23 FY'23-24 FY'24-25 Q1 FY'25-26 ▪ Sequential increase in net worth
Slide 13: Q1 FY'2025-26 Business and Financial Performance
Q1 FY’2025-26 BUSINESS AND FINANCIAL PERFORMANCE Business Numbers: AUM increased 16.01 % y-o-y to Rs. 546.58 crs. The Operating & Financial Q1 Q1 Company disbursed Rs. 24.41 crs in the quarter under review Performance (In Crs) FY2025-26 FY2024-25 Income Growth: Interest income grew by 11.01% y-o-y a
Slide 14: Financial Results: Q1 FY2025-26
FINANCIAL RESULTS: Q1 FY2025-26 As on Particulars Particulars FTY ended Jun 30, 2025 FTY ended Jun 30, 2024 30-06-2025 30-06-2024 Revenue from Operations Assets Interest Income 21.13 18.08 Cash & Cash Equivalents 6.79 21.86 Bank Balances Other than Cash & Cash Fee & Commission income 0.48 0.51 44.66
Slide 15: Disclaimer
DISCLAIMER This presentation may contain statements about events and expectations that may be “forward-looking,” including those relating to general business plans and overall growth strategy of Star Housing Finance Limited (“Star HFL"), formerly known as Akme Star Housing Finance Limited, and its a
Slide 16: Thank You
Thank You For any questions, please connect with [email protected] www.starhfl.com
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