Summary of Key Information:
Reporting Period (Quarter/Year): Quarter Ended June 30, 2026 (Q1 FY27)
Nature of Filing / Announcement: Outcome of Board Meeting under SEBI LODR Regulations
Audit Opinion:
Clean opinion - Limited Review Report states "nothing has come to our attention that causes us to believe that the accompanying statement of unaudited financial results... contains any material misstatement."
Key Financial Highlights [Rs. in Lakhs]:
Standalone Results:
Revenue from Operations: ₹6,898.95 lakhs (Q1 FY26: ₹5,246.28 lakhs, YoY increase)
- Interest income: ₹5,748.76 lakhs
- Fees and commission income: ₹407.82 lakhs
- Income from foreign exchange services: ₹378.30 lakhs
- Net gain on fair value changes: ₹359.57 lakhs
- Net gain on derecognition of financial instruments: ₹4.50 lakhs
Total Income: ₹6,952.66 lakhs
Expenses: ₹6,458.38 lakhs
- Finance costs: ₹2,508.35 lakhs
- Employee benefits expense: ₹2,163.55 lakhs
- Depreciation and amortisation: ₹289.52 lakhs
- Impairment of financial instruments: ₹(488.39) lakhs (reversal)
- Other expenses: ₹1,985.35 lakhs
Profit before exceptional items: ₹494.28 lakhs
Net Profit: ₹375.74 lakhs (Q1 FY26: ₹11.22 lakhs)
EPS: Basic ₹0.10, Diluted ₹0.09 (Face value per equity share: ₹2.00)
Other Equity: Not specified for current quarter
Consolidated Results:
Total Income: ₹12,852.93 lakhs
Profit/(loss) before Exceptional Item: ₹(844.27) lakhs
Exceptional items: ₹10,638.06 lakhs (gain from sale of stake in Capital India Home Loans Limited)
Profit/(loss) before tax: ₹(844.27) lakhs
Profit/(loss) for the period from Continuing Operations: ₹(962.81) lakhs
Profit/(loss) for the period from Discontinued Operations: ₹12.44 lakhs
Total comprehensive income/(loss): ₹(958.84) lakhs
EPS from Continuing Operations: Basic ₹(0.08), Diluted ₹(0.08)
Segment-wise Performance [Rs. in Lakhs]:
Standalone Segment Revenue:
- Lending business: ₹6,291.63 lakhs
- Forex business: ₹661.03 lakhs
- Total: ₹6,952.66 lakhs
Standalone Segment Results:
- Lending business: ₹491.02 lakhs profit
- Forex business: ₹3.26 lakhs profit
- Total: ₹494.28 lakhs profit
Consolidated Segment Revenue:
- Lending business: ₹6,291.63 lakhs
- Prepaid payment instrument business: ₹5,890.03 lakhs
- Forex business: ₹661.03 lakhs
- Others: ₹10.24 lakhs
- Total: ₹12,852.93 lakhs
Consolidated Segment Results:
- Lending business: ₹491.02 lakhs profit
- Prepaid payment instrument business: ₹(1,278.81) lakhs loss
- Forex business: ₹3.26 lakhs profit
- Others: ₹(59.74) lakhs loss
- Total: ₹(844.27) lakhs loss
Corporate Actions:
Dividend declarations: Not specified
Approved raising funds up to ₹300,00,00,000 (₹300 crore) by way of issuance of secured/unsecured, non-convertible debentures/bonds, medium term notes, or other debt securities in one or more tranches/series. Subject to member approval and regulatory approvals.
Approved 32nd Annual General Meeting to be held on Monday, September 7, 2026, at 11:30 AM through Video Conferencing/Other Audio-Visual Means.
Register of members and share transfer books shall remain closed from Wednesday, September 2, 2026, to Monday, September 7, 2026 (both days inclusive).
Other Significant Information:
Exceptional items for year ended March 31, 2026 include gain of ₹9,791.83 lakhs (standalone) and ₹10,638.06 lakhs (consolidated) from sale of entire 99.82% stake in Capital India Home Loans Limited.
Impact of New Labour Codes: Recognized charge of ₹88.40 lakhs in FY26 standalone results and ₹150.45 lakhs in consolidated results.
Subsidiaries included in consolidation:
- Rapipay Fintech Private Limited
- Capital India Asset Management Private Limited
- NYE Investech Private Limited (formerly Kuants Wealth Private Limited)
- Rapipay Payments Private Limited (formerly NYE Insurance Broking Private Limited)
Rapipay Fintech Private Limited invested ₹22.00 lakhs during the quarter in its wholly owned subsidiary NYE Investech Private Limited.
Key Ratios (Standalone):
- Debt Equity Ratio: 1.26
- Net Worth: ₹67,406.24 lakhs
- Net profit margin: 5.40%
- Gross NPA: 3.28%
- Net NPA: 1.87%
- Capital to risk-weighted assets ratio: 43.58%
Key Ratios (Consolidated):
- Debt Equity Ratio: 1.27
- Net Worth: ₹67,088.02 lakhs
- Net profit margin from Continuing Operations: (7.49%)
- Total debts to total assets: 0.49