Financial Highlights - Q1 FY26-27 (Quarter Ended June 30, 2026)

Income Statement Performance:

  • Income from operations: ₹443.25 lakhs, representing 10.76% quarter-on-quarter growth from ₹400.21 lakhs in Q4 FY25-26
  • EBITDA: ₹310.89 lakhs, showing 79.08% quarter-on-quarter growth from ₹173.61 lakhs in the previous quarter
  • Profit After Tax: ₹220.07 lakhs, demonstrating 106.28% quarter-on-quarter growth from ₹106.66 lakhs in Q4 FY25-26

Business Momentum & Strategic Initiatives

Digital Consumer Durable Loan:

  • The mobile and laptop financing product is now fully operational
  • Features instant, paperless EMI purchases
  • Company aims to achieve 3x growth in Consumer Durable AUM over the next 18 months
  • Expansion plans include laptops, tablets, and wearables
  • Focus on deepening retail partnerships across Tier 2 and Tier 3 markets

Digital Loan Against Shares & Mutual Funds (Upcoming):

  • Company is building a scalable, technology-led Loan Against Securities (LAS) platform
  • Features one of the industry's largest approved stock and mutual fund lists
  • Includes real-time LTV and margin monitoring capabilities
  • Fully digital pledge-to-disbursement infrastructure integrated with CDSL and NSDL

Technology-led Operating Model

The company continues to invest in:

  • Automated credit underwriting
  • e-NACH enabled disbursals
  • Digital KYC onboarding
  • Extensive API integration layer
  • Banking partnerships

Company Background

Comfort Fincap Limited is a non-deposit taking NBFC registered with the RBI, classified as an NBFC-Investment and Credit Company (NBFC-ICC). The company offers:

  • Loans Against Securities
  • Consumer Durable Loans
  • Promoter Funding
  • Supply Chain Finance

The company employs a Direct-to-Customer (D2C) approach combined with lending partnerships and a growing distribution network, with particular focus on semi-urban and underserved markets.

Management Commentary

Mr. Ankur Agrawal, Chairperson, stated that the first quarter performance "underscores the strength of our asset-backed lending model and the discipline of our underwriting approach." He noted that the sharp improvement in profitability reflects both operating efficiency and the growing contribution of the technology-led platform.