Summary of Key Information:

Reporting Period: Quarter and Half-Year ended September 30, 2026

Nature of Filing / Announcement: Outcome of Board Meeting and Financial Results under Regulation 30 of SEBI LODR

Date of Board Meeting / Approval: November 6, 2026 (12:00 noon to 1:55 pm)

Audit Opinion: Clean (Unqualified)

Auditor's Comment: No material misstatements found in limited review

Key Financial Highlights [₹ Crores]

Standalone Results:

Revenue from Operations:

  • Q2 FY27: ₹31.00 crore vs Q2 FY26: ₹30.07 crore (3.1% YoY growth)
  • H1 FY27: ₹35.36 crore vs H1 FY26: ₹37.20 crore

Total Income:

  • Q2 FY27: ₹31.00 crore
  • H1 FY27: ₹35.36 crore

Net Profit:

  • Q2 FY27: ₹27.89 crore vs Q2 FY26: ₹27.16 crore (2.7% YoY growth)
  • H1 FY27: ₹32.27 crore

EPS (₹):

  • Basic & Diluted Q2 FY27: ₹1.49
  • Basic & Diluted H1 FY27: ₹1.72

Other Equity:

  • As at September 30, 2026: ₹1,395.77 crore
  • As at March 31, 2026: ₹1,380.90 crore

Cash and Cash Equivalents:

  • As at September 30, 2026: ₹0.29 crore
  • As at March 31, 2026: ₹0.52 crore

Debt: No borrowings or debt securities outstanding

Consolidated Results:

Revenue from Operations:

  • Q2 FY27: ₹11,264.41 crore vs Q2 FY26: ₹9,450.23 crore (19.2% YoY growth)
  • H1 FY27: ₹22,347.00 crore vs H1 FY26: ₹18,736.67 crore

Total Income:

  • Q2 FY27: ₹11,388.41 crore vs Q2 FY26: ₹9,578.02 crore (18.9% YoY growth)
  • H1 FY27: ₹22,571.75 crore vs H1 FY26: ₹18,951.09 crore

Net Profit:

  • Q2 FY27: ₹1,520.11 crore vs Q2 FY26: ₹1,214.27 crore (25.2% YoY growth)
  • H1 FY27: ₹3,309.10 crore vs H1 FY26: ₹2,473.81 crore

Attribution of Profit:

  • Owners of Company: ₹642.57 crore (Q2 FY27), ₹1,448.53 crore (H1 FY27)
  • Non-Controlling Interest: ₹877.54 crore (Q2 FY27), ₹1,860.57 crore (H1 FY27)

EPS (₹):

  • Basic & Diluted Q2 FY27: ₹34.22
  • Basic & Diluted H1 FY27: ₹77.14

Other Equity:

  • As at September 30, 2026: ₹17,105.57 crore
  • As at March 31, 2026: ₹15,435.37 crore

Cash and Cash Equivalents:

  • As at September 30, 2026: ₹7,942.40 crore
  • As at March 31, 2026: ₹8,475.01 crore

Debt:

  • Debt Securities: ₹43,092.19 crore
  • Other Borrowings: ₹171,059.94 crore
  • Subordinated Liabilities: ₹17,088.50 crore

Segment-wise Performance:

Financing Segment (CIFCL):

  • Revenue: Q2 FY27 ₹9,270.92 crore, H1 FY27 ₹18,127.21 crore
  • PAT: Q2 FY27 ₹1,630 crore (41% YoY growth)
  • Disbursements: Q2 FY27 ₹35,872 crore (47% YoY growth)
  • AUM: ₹2,68,009 crore (23% YoY growth)

Insurance Segment (CMSGICL):

  • Gross Written Premium: H1 FY27 ₹4,618 crore (6% YoY growth), Q2 FY27 ₹2,429 crore (7% YoY growth)
  • PAT: H1 FY27 ₹8 crore loss, Q2 FY27 ₹120 crore loss
  • Investment Book: ₹18,937 crore as of September 30, 2026

Other Segment:

  • Revenue: Q2 FY27 ₹31.00 crore, H1 FY27 ₹35.36 crore

Corporate Actions:

Dividend: Not declared in current quarter

Previous Dividend: ₹24.38 crore paid during H1 FY27

Other Significant Information:

New Labour Codes Impact: Increased employee benefits expense by ₹57.40 crore for FY26

Insurance Forbearance: CMSGICL obtained entity-level regulatory forbearance from IRDAI for Ind AS implementation till FY 2026-27

Investment Portfolio: Consolidated investments stand at ₹26,138.14 crore