Financial Performance
- Total Income: ₹16.79 crore for the period ended September 30, 2026
- The company reported continued growth in income with sustained growth each quarter
- Operating discipline maintained with healthy margins
Business Operations and Strategy
Flagship Product
- Apollo Cash - digital lending platform described as "Your next loan is two minutes away"
- Continued traction with scaling approach described as "thoughtful"
- Disbursement data provided for August 2026 and September 2026 (specific amounts not quantified in disclosure)
Current Strategic Focus Areas
1. Foundation first, then scale - Building resilient platform designed to support long-term scale
2. Security & platform stability - Ensuring robust technical infrastructure
3. Smarter underwriting - Evolving ML models to approve more qualified customers while reducing losses
4. Scaling marketing - Preparing customer acquisition engine for efficient scaling
Organizational Development
Team Expansion
- Engineering team tripled in size over the last two quarters
- Current team composition: 43% technical staff, with continued growth planned
Key Executive Hires
- Swaujas Chatterjee - Head of Marketing
- Prior experience: Associate Director Marketing at Olyv (formerly SmartCoin), Senior Manager Marketing at Khatabook
- Prajwal Ballal - Data Science Lead
- Prior experience: Senior Decision Scientist at Aditya Birla Capital, Data Science Manager at FlexiLoans
- Rakesh Polistetti - Collections Lead
- Prior experience: Senior Collection Strategy at Branch International, Collections Manager at IDFC First Bank
- Nirdesh Shah - Senior Finance Manager
- Prior experience: Team Lead, Accounts & Finance at Aditya Birla Capital, Finance Executive at JM Financial Services
Technology Investment
- Significant investment in technology infrastructure
- Focus on building a digital-first publicly listed NBFC platform