Date: July 09, 2026

Key Business Update for Quarter Ended June 30, 2026

Assets under Management (AUM)

  • AUM stood at Rs. 14,457 crore as of June 30, 2026
  • 18% YoY growth over June 30, 2025
  • 3% QoQ growth compared to March 31, 2026

Portfolio Diversification

  • JLG and Non-JLG mix improved to 76:24 as of June 30, 2026 from 83:17 as of March 31, 2026
  • Small and Micro Enterprise Individual Loan (IL) portfolio increased to Rs. 3,214 crore
  • IL portfolio maintained near-zero delinquency
  • Commenced disbursement of gold loans under referral and co-lending model with parent company Muthoot Fincorp Limited
  • Gold loan disbursements: Rs. 192.86 crore

Disbursement

  • Q1 FY27 disbursements: Rs. 2,645 crore
  • 49% growth year-on-year over Q1 FY26
  • Quarter marked commencement of gold loan disbursements under co-lending arrangement

Network and Customer Franchise

  • 1,671 branches as of June 30, 2026
  • 33 lakh active customers served
  • Strengthened presence across Telangana, Andhra Pradesh and Assam markets

Asset Quality

  • Collection Efficiency (CE): 97.97% in Q1 FY27
  • Improved by 497 bps over Q1 FY26
  • Improved by 157 bps compared to Q4 FY26 (96.43%)
  • X-Bucket CE: 99.89%

Credit Rating Upgrade

  • CRISIL upgraded long-term credit rating to CRISIL AA-/Stable from CRISIL A+/Positive
  • CRISIL A1+ rating on Commercial Paper reaffirmed
  • Upgrade reflects strengthened credit profile
  • Expected to enhance access to diversified funding sources at competitive rates

Liquidity and Funds Raised

  • Robust liquidity: Rs. 1,310 crore as of June 30, 2026
  • Un-availed sanctioned credit lines: Rs. 3,485 crore
  • Total funds raised during quarter: Rs. 2,664 crore

Digital Initiatives

  • Cumulative Mahila Mitra app downloads: 2.09 million
  • Digital collections increased to 40% in Q1 FY27 from 23% in Q1 FY26 and 34% in Q4 FY26

Capital Markets Day and Vision 30-30

  • Unveiled Vision 2030 ("Vision 30-30") roadmap
  • Strategic aspirations:
  • Achieve Rs. 30,000 crore AUM by FY30
  • Portfolio mix target: 53.4% JLG and 46.6% Non-JLG
  • Return on Assets (RoA) target: over 5%
  • Return on Equity (RoE) target: over 20%
  • Digital collections target: 75% by 2030

Note on Data

The financial and operating information presented is based on provisional unaudited numbers as of and for the quarter ended June 30, 2026. These figures are subject to review by the Statutory Auditors of the Company and approval by the Audit Committee and the Board of Directors.