Key Financial Figures (INR in lakh)

Quarter Ended September 30, 2026:

  • Revenue from operations: ₹2,68,345.64
  • Total income: ₹2,68,483.48
  • Profit before tax: ₹22,010.40
  • Net profit: ₹18,152.02
  • Basic EPS: ₹22.89
  • Diluted EPS: ₹22.80

Half Year Ended September 30, 2026:

  • Revenue from operations: ₹1,44,501.97
  • Total income: ₹1,44,586.97
  • Profit before tax: ₹45,570.33
  • Net profit: ₹35,278.83
  • Basic EPS: ₹44.49
  • Diluted EPS: ₹44.31

Comparative Figures (Q2 FY26):

  • Revenue from operations: ₹1,29,457.96
  • Total income: ₹1,29,538.62
  • Profit before tax: ₹21,122.81
  • Net profit: ₹17,126.81
  • Basic EPS: ₹21.60
  • Diluted EPS: ₹21.51

Balance Sheet Highlights (as of September 30, 2026)

  • Total assets: ₹22,34,117.04 lakh
  • Loans: ₹19,32,065.99 lakh
  • Debt securities: ₹2,02,114.10 lakh
  • Borrowings: ₹14,36,148.42 lakh
  • Net worth: ₹5,39,846.67 lakh
  • Cash and cash equivalents: ₹42,912.07 lakh

Asset Quality Metrics

  • Gross NPA: 1.11%
  • Net NPA: 0.70%
  • Provision coverage ratio: 70.24%
  • CRAR: 43.77%
  • Liquidity coverage ratio: 173.15%

Operational Highlights

  • The company assigned 5,010 loan accounts amounting to ₹58,717 lakh during Q2 FY27
  • Assigned 8,811 loan accounts amounting to ₹1,02,250 lakh during H1 FY27
  • Weighted average maturity of assigned loans: 136 months (Q2), 133 months (H1)
  • Retention of beneficial economic interest (MRR): 10%
  • Tangible security coverage: 100%

Capital Structure Impact

  • During H1 FY27, the company allotted 11,584 equity shares to eligible employees under Performance Stock Option Plan at ₹10.00 per share
  • Face value per share remains ₹10.00

COVID-19 Resolution Framework Exposure

  • Personal loan exposure under resolution: ₹4,453.52 lakh as of September 30, 2026
  • ₹251.71 lakh slipped into NPA during H1 FY27
  • ₹0.47 lakh written off during H1 FY27
  • ₹285.44 lakh paid by borrowers during H1 FY27

Cash Flow Highlights (H1 FY27)

  • Net cash used in operating activities: ₹(64,734.50) lakh
  • Net cash from investing activities: ₹7,146.84 lakh
  • Net cash from financing activities: ₹77,642.99 lakh
  • Net increase in cash: ₹20,055.33 lakh

NCD Utilization

  • October 2024 issue (₹630 crore): ₹337.35 crore utilized
  • July 2026 issue (₹200 crore): ₹200 crore utilized
  • September 2026 issue (₹100 crore): ₹100 crore utilized
  • No deviation from stated objects

Timelines and Approvals

  • Board meeting commenced: October 26, 2026 at 04:25 PM IST
  • Financial results approved: October 26, 2026 at 04:47 PM IST
  • Results filed with NSE and BSE on same date
  • Meeting still in progress at time of filing for other agenda items