Mumbai, Nov 18th: Star Housing Finance Limited (Star HFL), a BSE listed company (BSE Scrip code BOM: 539017) semi urban and rural focused home finance has reported business and financial performance for the quarter & half year ending on Sep 30, 2025.

During the period Star HFL registered milestones across business areas for the quarter ending Sep 30, 2025 enlisted as below: 

Business Numbers: AUM increased 9.55% y-o-y to Rs. 567.27 crs. The Company disbursed Rs. 30.56 crs in the period under review. 

Income Growth: Interest income grew by 21.33% y-o-y and Net Interest Margin (NIM) stands at 7.65%

Asset Quality: PAR (0+ days past due) stood at 5.13 %, of which GNPA stands at 1.65% and NNPA stands at 1.16% as of Sep 30, 2025

Profitability: Profit before Tax stood at Rs. 4.08 crs and PAT at Rs. 3.17 crs for H1 FY2025-26

Liability: Star HFL has strong relationships with Banks and FIs to aid the loan book growth. Current borrowings stand at Rs. 391.77 crs. The liability pipeline remains strong and is planned as per the business plan 

Capitalization: Net-worth as of Sep 30, 2025 stands at Rs. 146.54 crs. Leverage levels remained at 2.67x. 

Ratings: Star HFL is rated as BBB / Stable by CARE & India ratings.

Operating & Financial Performance (In crs) Q2 FY2025-26 Q2 FY2024-25
Assets Under Management 567.27 517.84
GNPA (%) 1.65% 1.56%
NNPA (%) 1.16% 1.09%
Interest Income 24.80 20.44
Total Income 25.15 22.63
Borrowing Outstanding 391.77 375.51
Net Worth 146.54 140.23
Leverage(x) 2.67x 2.68x

Speaking on the performance for the period, Mr. Kalpesh Dave, Director & CEO of Star HFL said,

“Our focus has been on disciplined underwriting and efficient liability management. As we prepare for the next phase of expansion, our commitment remains firmly anchored in enabling affordable home ownership for first-time buyers and creating long-term value for all stakeholders.”