Centrum Capital Q1 FY27 Consolidated Loss of ₹148 Crore

Financial Results - Consolidated

Income Statement Highlights (~ in Lakhs)

Total Revenue from Operations: ₹91,197.97 (Q1 FY27) vs ₹102,968.92 (Q4 FY26) vs ₹84,627.38 (Q1 FY26)
Other Income: ₹2,965.74 (Q1 FY27) vs ₹1,883.34 (Q4 FY26) vs ₹19,462.29 (Q1 FY26)
Total Income: ₹94,163.71 (Q1 FY27) vs ₹104,852.26 (Q4 FY26) vs ₹104,089.67 (Q1 FY26)
Total Expenses: ₹109,471.34 (Q1 FY27) vs ₹123,140.44 (Q4 FY26) vs ₹112,156.81 (Q1 FY26)
Loss Before Exceptional Items and Tax: ₹(15,307.63) (Q1 FY27) vs ₹(18,288.18) (Q4 FY26) vs ₹(8,067.14) (Q1 FY26)
Exceptional Items: Nil (Q1 FY27) vs ₹20,602.25 profit (Q4 FY26) vs Nil (Q1 FY26)
Loss Before Tax: ₹(15,307.63) (Q1 FY27) vs ₹2,314.07 profit (Q4 FY26) vs ₹(8,067.14) (Q1 FY26)
Tax Expense: ₹(427.39) credit (Q1 FY27) vs ₹5,441.49 (Q4 FY26) vs ₹2,629.22 (Q1 FY26)
Loss After Tax: ₹(14,880.24) (Q1 FY27) vs ₹(3,127.42) (Q4 FY26) vs ₹(10,696.36) (Q1 FY26)
Total Comprehensive Loss: ₹(14,679.00) (Q1 FY27) vs ₹(3,644.81) (Q4 FY26) vs ₹(10,642.20) (Q1 FY26)

Earnings Per Share (Consolidated)

Basic EPS: ₹(1.90) (Q1 FY27) vs ₹0.29 (Q4 FY26) vs ₹(0.33) (Q1 FY26)
Diluted EPS: ₹(1.90) (Q1 FY27) vs ₹0.29 (Q4 FY26) vs ₹(0.33) (Q1 FY26)

Segment Performance - Consolidated (Q1 FY27)

Banking Business: Revenue ₹74,697.62 lakhs, Loss before tax ₹(11,252.70) lakhs
Institutional Business: Revenue ₹2,757.92 lakhs, Profit before tax ₹345.06 lakhs
Wealth and Asset Management: Revenue ₹4,572.50 lakhs, Loss before tax ₹(1,163.37) lakhs
Retail Digital Broking Business: Revenue ₹487.44 lakhs, Loss before tax ₹(554.54) lakhs
Housing Finance: No operations (divested in previous quarter)

Financial Results - Standalone

Income Statement Highlights (~ in Lakhs)

Total Revenue from Operations: ₹1,905.56 (Q1 FY27) vs ₹1,009.38 (Q4 FY26) vs ₹429.80 (Q1 FY26)
Other Income: ₹2,234.51 (Q1 FY27) vs ₹2,284.40 (Q4 FY26) vs ₹1,365.89 (Q1 FY26)
Total Income: ₹4,140.07 (Q1 FY27) vs ₹3,293.78 (Q4 FY26) vs ₹1,795.69 (Q1 FY26)
Total Expenses: ₹3,720.45 (Q1 FY27) vs ₹5,040.40 (Q4 FY26) vs ₹4,187.08 (Q1 FY26)
Profit Before Exceptional Items and Tax: ₹419.62 (Q1 FY27) vs ₹(1,746.62) (Q4 FY26) vs ₹(2,391.39) (Q1 FY26)
Exceptional Items: Nil (Q1 FY27) vs ₹20,790.76 profit (Q4 FY26) vs ₹(136.33) loss (Q1 FY26)
Profit Before Tax: ₹419.62 (Q1 FY27) vs ₹19,044.14 (Q4 FY26) vs ₹(2,527.72) (Q1 FY26)
Tax Expense: ₹55.89 (Q1 FY27) vs ₹2,827.35 (Q4 FY26) vs ₹743.70 (Q1 FY26)
Profit After Tax: ₹363.73 (Q1 FY27) vs ₹16,216.79 (Q4 FY26) vs ₹(3,271.42) (Q1 FY26)
Total Comprehensive Income: ₹364.67 (Q1 FY27) vs ₹16,233.39 (Q4 FY26) vs ₹(3,275.54) (Q1 FY26)

Earnings Per Share (Standalone)

Basic EPS: ₹0.07 (Q1 FY27) vs ₹3.52 (Q4 FY26) vs ₹(0.79) (Q1 FY26)
Diluted EPS: ₹0.07 (Q1 FY27) vs ₹3.52 (Q4 FY26) vs ₹(0.79) (Q1 FY26)

Capital Raising Activities

During the quarter ended June 30, 2026:

Holding Company raised ₹2,336.00 lakhs through issue of debentures (face value ₹1,00,000 each)
Centrum Retail Services Limited (wholly-owned subsidiary) raised ₹8,362.00 lakhs through debentures
Holding Company subscribed to 38,22,465 equity shares of Centrum Retail Services Limited at ₹210 per share (including premium of ₹200 per share), aggregating ₹8,027.18 lakhs on rights basis under Section 62(1)(a) of Companies Act, 2013

Subsidiary Information

The consolidated results include:

Parent: Centrum Capital Limited
11 Subsidiaries: Including Centrum Capital Advisors Limited, Centrum Retail Services Limited, Centrum Wealth Limited, Centrum Financial Services Limited, Centrum Investment Advisors Limited, Centrum Insurance Brokers Limited, Modulus Alternatives Investment Managers Limited, Unity Small Finance Bank Limited, Ignis Capital Advisors Limited, Centrum Finverse Limited, Centrum Broking Limited
1 Associate: Acorn Fund Consultants Private Limited

Performance Highlights

Unity Small Finance Bank

Net Interest Income grew over 6% QoQ
Net advances at ₹12,016 crores, up 17% YoY
Disbursements of ₹1,824 crore in Q1 FY27, up 46% YoY
Credit costs declined 44% QoQ and 9% YoY
Credit cards issued crossed 3 lakh as of June 30, 2026 (50% increase from March 31, 2026)
Capital Adequacy Ratio (CRAR) approximately 27%
Liquidity Coverage Ratio (LCR) 156%
Total Deposits stable at ₹12,042 crore
CASA ratio strengthened to 23.1%

Modulus Alternatives

India Credit Opportunities Fund III (target size: ₹2,000 crore) scheduled for Initial Closing in Q2 FY27
India Credit Opportunities Fund II tracking gross IRR of 16%+
Concluded 2 new investments and 1 exit during quarter
Portfolio total investments: 17, with 7 exited (6 ahead of scheduled maturity)

Investment Banking

Debt Structuring & Advisory: Mandates exceeding ₹3,200 crore across power, renewables, steel, pharmaceuticals
Equity Capital Markets: Completed IPOs of OnEMI Technology Solutions Ltd. and Waterways Leisure Tourism Ltd. (over ₹1,500 crore)
Advised on share buybacks for Onward Technologies Ltd. and Jagsonpal Pharmaceuticals Ltd.
Private markets: Advised fund raises aggregating approximately ₹250 crore

Retail Broking

Total broking client base rose 21%
Direct equity AUM reached ₹5,798 crores
Accounts through bancassurance channel more than doubled sequentially to over 7,000
Expanded partnership with Bandhan Bank to cover over 1,000 branches
Extended collaboration with Unity Small Finance Bank across ~300 branches
Algo trading business launched with ten exchange-approved white-box strategies

Institutional Equities

Brokerage income showed sequential improvement
Hosted conferences with 118 corporates and 1,800 group meetings with 243 institutional investors

Centrum Wealth

Net sales team strength increased to approximately 130
Expanded presence into Goa
Product platform comprising 21 specialised investment desks

Forward-Looking Statements

The performance highlights contain forward-looking statements about expected future events and financial results, subject to assumptions, risks and uncertainties. Readers are cautioned not to place undue reliance on these statements.

Additional Documents Enclosed

Unaudited Financial Results (Consolidated and Standalone) with Limited Review Report
Statement of deviation/variation pursuant to Regulation 32 of SEBI LODR Regulations
Performance Highlights for quarter ended June 30, 2026