Date: July 6, 2026

Business Update - Q1FY27

Financial Performance

  • Assets Under Management (AUM): Consolidated AUM reached ~₹16,000 crores, Standalone AUM at ~₹13,400 crores
  • Disbursements: Total disbursements of ₹3,453 crores in Q1FY27, demonstrating 54% YoY growth
  • Non-MFI Share: Increased to 19% in Q1FY27 from 14% in Q1FY26
  • Credit Cost: Improved to 2.5%-3.0% range in Q1FY27 against guidance of 3.0%-3.5% for the year, compared to 6.0% in Q1FY26
  • GNPA: Improved to 2.0%-2.5% in Q1FY27 from 3.7% in Q1FY26
  • Collection Efficiency: X-Bucket Collection Efficiency stood at ~99.9% for Q1FY27

Operational Expansion

  • Branch Network: 53 new branches added in Q1FY27, expanding standalone network to 1,867 branches
  • Consolidated Branches: Total branches at consolidated level stand at 2,045
  • Geographic Expansion: Strategic entry into Kerala in June 2026, strengthening South India presence across Tamil Nadu, Karnataka, Andhra Pradesh & Telangana

Liquidity & Capital Position

  • Debt Raising: Raised ~₹3,000 crores via diversified debt instruments
  • Sub Debt: Additional sub debt of ₹285 crores augmenting CRAR
  • Borrowing Cost: Marginal Cost of Borrowing reduced by 37 bps YoY
  • Promoter Infusion: Promoter agreed to infuse ₹100 crores Equity Share Capital at ~17% premium to minimum issue price as per SEBI Regulations
  • Shareholder Approval: Received approval from shareholders with 99% voting in favor of the resolution

Customer & Employee Base

  • New Borrowers: ~2.2 lakhs new borrowers added in Q1FY27
  • Total Client Base: Expanded to 32.6 lakhs clients
  • Employee Strength: Team strength reaches 16,560, registering 11% YoY Growth

Notes & Disclosures

  • Numbers are provisional and unaudited
  • Numbers are subject to review by statutory auditors and approval by audit committee and board of directors
  • Disclosure made pursuant to Regulation 30 of SEBI Listing Regulations