Summary of Key Information:
Reporting Period (Quarter/Year): Quarter ended 30 June 2026 (Q1 FY27)
Nature of Filing / Announcement: Outcome of Board Meeting - Unaudited Financial Results
Audit Opinion:
Clean/Unmodified opinion - The limited review report is submitted with unmodified opinion(s) free from any qualifications
Key Financial Highlights [₹ in crore]:
Standalone Results:
Quarter ended 30 June 2026 vs 30 June 2025:
- Revenue from Operations: ₹3,063.02 crore vs ₹2,612.83 crore (17.2% YoY growth)
- Total Income: ₹3,063.05 crore vs ₹2,615.57 crore (17.1% YoY growth)
- Net Profit: ₹715.28 crore vs ₹583.30 crore (22.6% YoY growth)
- EPS: ₹0.86 vs ₹0.70 (22.9% YoY growth)
- Other Equity: Not specified in exact amount
- Cash and Cash Equivalents: ₹86.59 crore
- Debt: Total borrowings including debt securities stood at ₹53,175.05 crore
Quarter ended 30 June 2026 vs 31 March 2026:
- Revenue from Operations: ₹3,063.02 crore vs ₹2,902.61 crore (5.5% QoQ growth)
- Total Income: ₹3,063.05 crore vs ₹2,902.70 crore (5.5% QoQ growth)
- Net Profit: ₹715.28 crore vs ₹669.19 crore (6.9% QoQ growth)
- EPS: ₹0.86 vs ₹0.80 (7.5% QoQ growth)
Financial Ratios:
- Net Profit Margin: 23.35% vs 22.30% YoY
- Gross NPA Ratio: 0.29% vs 0.30% YoY
- Net NPA Ratio: 0.12% vs 0.13% YoY
- Provision Coverage Ratio: 58.53% vs 56.25% YoY
- Capital to Risk-Weighted Assets Ratio: 21.59% (Regulatory requirement: 15%)
- Liquidity Coverage Ratio: 158.12% (Regulatory requirement: 100%)
- Total Debt to Total Assets: 0.82 vs 0.81 YoY
Income Statement Breakdown [₹ in crore]:
- Interest Income: ₹2,856.07 crore (15% YoY growth)
- Fees and Commission Income: ₹105.84 crore (81% YoY growth)
- Finance Costs: ₹1,888.49 crore (18% YoY growth)
- Impairment on Financial Instruments: ₹16.10 crore vs ₹38.21 crore YoY (58% decrease)
- Employee Benefits Expense: ₹155.61 crore
- Depreciation and Amortization: ₹12.85 crore
Other Equity and Capital:
- Paid-up Equity Share Capital: ₹8,328.76 crore (Face Value of ₹10 each)
- Net Worth: ₹23,233.77 crore vs ₹20,508.37 crore YoY (13% growth)
Segment-wise Performance:
The Company is engaged primarily in the business of financing and accordingly there are no separate reportable segments as per Ind AS 108.
Product Wise AUM Breakdown [₹ in crore]:
- Home Loans: ₹80,865 crore (20% YoY growth)
- Loan Against Property: ₹15,445 crore (22% YoY growth)
- Lease Rental Discounting: ₹34,604 crore (41% YoY growth)
- Developer Finance: ₹17,002 crore (19% YoY growth)
- Others: ₹1,708 crore (-1% YoY decline)
Corporate Actions:
No dividend declarations, share splits, bonus issues, buybacks, or capital structure changes announced.
No capital raising activities mentioned beyond previously issued debt instruments.
Other Significant Information:
- Assets Under Management: ₹1,49,624 crore (24% YoY growth)
- Loan Assets: ₹1,31,162 crore (24% YoY growth)
- Disbursements: ₹19,509 crore (33% YoY growth)
- ROA (Annualized): 2.3% (stable)
- ROE (Annualized): 12.5% vs 11.6% YoY
- Credit Ratings: AAA/Stable for long-term debt, A1+ for short-term debt from CRISIL and India Ratings
- The Company is classified as an Upper Layer NBFC under RBI's Scale Based Regulations
- Maintained asset cover sufficient to discharge principal and interest obligations on debentures
Funds Utilization:
- Proceeds from non-convertible debentures issued during April-June 2026 totaling ₹8,455 crore were deployed on the Company's own balance sheet
- No deviation or variation in use of issue proceeds from stated objects
- Commercial paper proceeds utilized as per disclosure documents with no deviations