Date: May 29, 2026

Financial Results (Consolidated)

Full Year FY2025-26 Performance

  • Revenue from Operations: ₹7,631.56 Lakhs, up 14.75% YoY from ₹6,650.37 Lakhs in FY25
  • Total Revenue: ₹7,649.28 Lakhs, up 14.8% YoY from ₹6,661.02 Lakhs in FY25
  • Profit After Tax: ₹4,257.80 Lakhs, up 11.7% YoY from ₹3,811.71 Lakhs in FY25
  • Earnings Per Share: ₹23.40, up from ₹20.95 in FY25
  • PBT Margin: 70.3% on Total Revenue
  • PAT Margin: 55.7%

Revenue Composition FY26

  • Interest Income: ₹5,578.91 Lakhs (72.9% of total revenue)
  • Rental and Infrastructure Income: ₹1,725.72 Lakhs (22.61% of total revenue), up 2.5x from ₹667.67 Lakhs in FY25

Quarterly Performance Q4 FY2025-26

  • Revenue from Operations: ₹1,847.05 Lakhs, up 12.8% YoY from ₹1,601.14 Lakhs in Q4 FY25
  • Total Revenue: ₹1,861.64 Lakhs, up 16.3% YoY from ₹1,601.16 Lakhs in Q4 FY25
  • Profit After Tax: ₹913.74 Lakhs, up 6.3% YoY from ₹859.59 Lakhs in Q4 FY25
  • EPS: ₹5.02, up 6.4% YoY from ₹4.72 in Q4 FY25

Quarterly Growth Pattern (YoY)

  • Q1 FY26 PAT: +29.0% over adjusted FY25 base (excluding one-time income of ~₹322 Lakhs)
  • Q2 FY26 PAT: +20.6%
  • Q3 FY26 PAT: +44.0% (strongest quarter at ₹1,250 Lakhs)
  • Q4 FY26 PAT: +6.3%

Balance Sheet Highlights

Consolidated Position as of March 31, 2026

  • Net Loan Book: ₹44,215.82 Lakhs, up 10.0% YoY from ₹40,200.75 Lakhs (net deployment of ₹4,015 Lakhs fresh capital)
  • Total Assets: ₹66,252.32 Lakhs, up 6.1% YoY from ₹62,475.35 Lakhs
  • Total Equity: ₹57,291.76 Lakhs, up 5.0% YoY entirely through organic retained earnings
  • Other Equity (Reserves): ₹55,472.49 Lakhs
  • Borrowings: ₹7,720.69 Lakhs, up from ₹4,193.04 Lakhs in FY25
  • Debt-to-Equity Ratio: 0.13x
  • Investment Property: ₹17,127.09 Lakhs
  • Net Worth per Share: ₹314.91, up from ₹299.94 in FY25

Standalone Financial Highlights

Full Year FY2025-26

  • Revenue from Operations: ₹6,084.55 Lakhs vs ₹6,727.91 Lakhs in FY25
  • Interest Income: ₹5,332.79 Lakhs vs ₹5,174.96 Lakhs in FY25
  • Total Revenue: ₹6,135.99 Lakhs vs ₹6,729.81 Lakhs in FY25
  • Profit Before Tax: ₹4,056.23 Lakhs vs ₹5,279.63 Lakhs in FY25
  • Profit After Tax: ₹3,158.96 Lakhs vs ₹4,066.47 Lakhs in FY25
  • EPS: ₹17.36 vs ₹22.35 in FY25

Quarterly Q4 FY2025-26

  • Revenue from Operations: ₹1,290.28 Lakhs, down 13.1% YoY
  • Interest Income: ₹1,209.37 Lakhs, up 2.8% YoY
  • Total Revenue: ₹1,485.66 Lakhs, down 10.1% YoY
  • Profit Before Tax: ₹1,225.18 Lakhs, down 33.2% YoY
  • Profit After Tax: ₹883.39 Lakhs, down 35.7% YoY
  • EPS: ₹4.86 vs ₹3.12 in Q4 FY25

Note: FY25 standalone base included ₹727.36 Lakhs of dividend income and approximately ₹322 Lakhs of additional one-time income (collectively ₹1,049.36 Lakhs of non-recurring items).

Management Commentary & Outlook

The company delivered its strongest consolidated performance on record with broad-based growth across revenue, profitability, and per-share earnings. The dual-engine revenue model of lending interest income complemented by real-asset income provides resilience across cycles.

FY27 Outlook

  • Enters FY27 with 10% larger loan book creating structurally higher run-rate interest income
  • Conservative leverage position (0.13x Debt-to-Equity) provides meaningful headroom for further loan book growth
  • Diversified revenue mix with Rental and Infrastructure Income now contributing 22.0% of consolidated revenue
  • Focus will remain on disciplined capital deployment into yielding assets at attractive risk-adjusted spreads, maintaining conservative provisioning, and optimizing cost structure

Corporate Governance

The Board and Management remain committed to highest standards of corporate governance, transparency in disclosures, and regulatory compliance. The financial results are audited and approved by the Board of Directors.

Disclaimer

This investor update is for informational purposes only and contains forward-looking statements based on current expectations and assumptions. Investors are advised to read detailed financial statements filed with stock exchanges and consult financial advisors.