• Event Type: Earnings call to discuss Q1 FY27 results
  • Date and Time: Thursday, July 16, 2026 at 5:30 p.m. (IST)
  • Purpose: Discussion of the Company's performance for the quarter ended June 30, 2026
  • Timing: Scheduled after earnings announcement (intimation dated July 10, 2026)
  • Management Participants:
  • Mr. Karan Bhagat - MD & CEO
  • Mr. Yatin Shah - CEO - Wealth Business
  • Mr. Sanjay Wadhwa - CFO
  • Mr. Anshuman Maheshwary
  • Mr. Anil Mascarenhas - Senior Executive VP, Communications
  • Availability of Materials: The transcript of the earnings call will be made available on the company website at https://ir.360.one/investor-relations/
  • UPSI Confirmation: The company confirmed that no unpublished price sensitive information was shared/discussed during the earnings call

Financial Highlights Discussed

  • ARR AUM: Increased by 19% to Rs 3,42,000 crores
  • Wealth AUM: Rs 2,42,000 crores (growth of 24.2%)
  • Asset Management AUM: Rs 1,00,000 crores (increase of 8.2%)
  • Overall AUM: Rose by 17% to Rs 7.8 lakh crores as of June 30, 2026
  • Net Flows: ARR net flows of Rs 10,815 crores (vs Rs 8,985 crores previous quarter)
  • Wealth business contributed Rs 13,379 crores (vs Rs 6,957 crores in Q4)
  • Asset management had negative flows due to one large institutional mandate outflow
  • Revenue Performance:
  • ARR revenues: Rs 614 crores, up 20.3% YoY (75% of total revenue)
  • TBR revenue: Rs 208 crores, up 37.3% YoY
  • Total revenue: Rs 870 crores, up 20% driven by wealth and asset verticals
  • Profitability:
  • PAT: Rs 330 crores, increase of 14.8%
  • Tangible ROE: 19.4%
  • Cost to income ratio: 51.3% (vs 53.5% in Q4 FY26)
  • Retention Rates:
  • ARR retention at 74 basis points
  • Wealth retention: 71 basis points
  • Asset management retention: 83 basis points

Strategic Updates and Guidance

  • UHNI Franchise: Focus on 40,000-45,000 households, deepening wallet share, and expanding beyond top cities
  • HNI Business: Scaling with 60+ relationship managers across 12 locations, managing Rs 5,000+ crores AUM for 800+ clients at ~90 bps yield. Expected to break even on direct cost by end of FY27
  • ET Money: Restructured business model, expected to reach break-even level in FY27
  • UBS Collaboration: Expected to exchange $500-600 million AUM between organizations, with funds launching in coming quarters
  • Cost Guidance: Expect cost-to-income ratio to improve to 49-49.5% by Q4 FY27 (100-150 bps improvement)
  • Private Credit: Seen as promising opportunity with negligible accidents over 7-8 years, expected to grow as fast as private equity industry

Additional Notes

  • The document includes the full transcript of the earnings call with analyst Q&A session
  • No financial data was disclosed in the announcement itself beyond what was discussed in the call
  • Multiple analysts participated including Mohit Mangal, Prayesh Jain, Aejas Lakhani, Dipanjan Ghosh, Siddharth, Abhijeet Sakhare, and Prakhar Sharma