Financial Results Overview

Quarterly Performance (Unaudited)

For the quarter ended June 30, 2026:

  • Revenue from Operations: ₹1,010.5 million
  • Interest Income: ₹890.5 million
  • Other Income: ₹120.0 million
  • Total Expenses: ₹418.1 million
  • Employee benefit expense: ₹192.5 million
  • Depreciation: ₹0.9 million
  • Other expenses: ₹224.7 million
  • Profit before Tax: ₹592.3 million
  • Tax Expenses: ₹150.0 million
  • Current tax: ₹150.0 million
  • Deferred Tax: ₹0.05 million
  • Net Profit After Tax: ₹442.3 million
  • Earnings Per Share (EPS): Not quantified in disclosure

Comparative Performance:

  • Q1 FY26 Net Profit: ₹85.3 million (unaudited)
  • FY26 Net Profit: ₹132.8 million (audited)

Balance Sheet Position (as at June 30, 2026)

Assets

Total Assets: ₹53,358.1 million

Financial Assets: ₹52,710.4 million

  • Cash and cash equivalents: ₹194.3 million
  • Bank balance other than cash: ₹23,415.0 million
  • Loans: ₹29,101.1 million

Non-Financial Assets: ₹647.7 million

  • Current tax assets (Net): ₹289.0 million
  • Deferred tax assets (Net): ₹1.0 million
  • Property, plant and equipment: ₹6.3 million
  • Other non-financial assets: ₹351.3 million

Equity and Liabilities

Total Liabilities: ₹135.1 million

Financial Liabilities: ₹66.9 million

  • Payables: ₹66.9 million
  • Borrowings: Not applicable

Non-Financial Liabilities: ₹68.2 million

  • Other non-financial liabilities: ₹68.2 million

Equity: ₹53,223.0 million

  • Equity Share Capital: ₹30,920.0 million
  • Other equity: ₹22,303.0 million

Cash Flow Statement

For the quarter ended June 30, 2026:

  • Net cash from operating activities: ₹303.3 million
  • Cash generation from operation: ₹361.6 million
  • Income tax paid: ₹(58.3) million
  • Net cash from investing activities: ₹0
  • Net cash from financing activities: ₹0
  • Net increase in cash and cash equivalents: ₹303.3 million
  • Cash and cash equivalents at beginning: ₹23,306.0 million
  • Cash and cash equivalents at end: ₹23,609.3 million

Cash Reconciliation:

  • Cash on hand: ₹39.5 million
  • Balances with banks: ₹154.8 million
  • Other Bank Balance: ₹23,415.0 million

Auditor's Review

Shankarlal Jain & Associates LLP, Chartered Accountants, conducted a limited review of the unaudited financial results in accordance with Standard on Review Engagement (SRE) 2410. The review report states that nothing has come to their attention that causes them to believe that the accompanying statement contains any material misstatement. The financial results have been prepared in accordance with Indian Accounting Standard 34 (Ind AS 34) and relevant recognition and measurement principles.