Board Meeting Details

The Board meeting was held on May 27, 2026, commencing at 12:30 PM and concluding at 2:23 PM. The Board approved the Audited Financial Statements including Balance Sheet, Statement of Profit & Loss, Cash Flow Statement and notes thereon for the financial year ended March 31, 2026.

Trading Window Closure

The trading window for trading in securities of the Company was closed and will reopen on Saturday, May 30, 2026.

Financial Performance Highlights

Quarter Ended March 31, 2026 (Q4 FY26):

  • Revenue from Operations: ₹364.06 lakh
  • Interest Income: ₹334.38 lakh
  • Fees and Commission Income: ₹29.68 lakh
  • Other Income: ₹3.76 lakh
  • Total Revenue: ₹367.82 lakh
  • Total Expenses: ₹298.00 lakh
  • Finance Costs: ₹75.80 lakh
  • Employee Benefit Expenses: ₹152.68 lakh
  • Depreciation and Amortization: ₹20.83 lakh
  • Profit Before Tax: ₹69.82 lakh
  • Tax Expense: ₹31.36 lakh
  • Current Tax: ₹20.59 lakh
  • Deferred Tax: ₹10.77 lakh
  • Profit After Tax: ₹50.00 lakh
  • Total Comprehensive Income: ₹52.29 lakh
  • Basic EPS: ₹0.02
  • Diluted EPS: ₹0.02

Year Ended March 31, 2026 (FY26):

  • Revenue from Operations: ₹1,223.15 lakh
  • Interest Income: ₹1,126.76 lakh
  • Fees and Commission Income: ₹96.39 lakh
  • Other Income: ₹26.96 lakh
  • Total Revenue: ₹1,250.11 lakh
  • Total Expenses: ₹1,143.70 lakh
  • Finance Costs: ₹201.29 lakh
  • Employee Benefit Expenses: ₹600.26 lakh
  • Depreciation and Amortization: ₹77.38 lakh
  • Impairment on financial instruments: ₹22.84 lakh
  • Profit Before Tax: ₹106.41 lakh
  • Tax Expense: ₹33.08 lakh
  • Current Tax: ₹39.37 lakh
  • Deferred Tax: ₹(3.52) lakh
  • Tax of Earlier year: ₹(2.37) lakh
  • Profit After Tax: ₹73.33 lakh
  • Total Comprehensive Income: ₹75.63 lakh
  • Basic EPS: ₹0.03
  • Diluted EPS: ₹0.03

Comparative Figures (FY25):

  • Revenue from Operations: ₹485.91 lakh
  • Total Revenue: ₹516.99 lakh
  • Profit After Tax: ₹37.14 lakh
  • Basic EPS: ₹0.02
  • Diluted EPS: ₹0.02

Capital Structure Changes

On April 02, 2025, the Company allotted 8,66,20,000 convertible share warrants at an issue price of ₹4.31 per warrant, with a warrant subscription price of ₹1.0775 per warrant. Out of these, 3,97,00,000 convertible share warrants were converted into 3,97,00,000 equity shares of face value of ₹1 each up to March 31, 2026. This increased share capital by ₹397.00 lakh and securities premium by ₹1,314.07 lakh.

Balance Sheet Position (as at March 31, 2026)

  • Paid-up Equity Share Capital: ₹2,271.40 lakh
  • Reserves: ₹4,375.89 lakh
  • Total Assets: ₹9,179.95 lakh
  • Financial Liabilities: ₹2,490.50 lakh
  • Borrowings: ₹2,215.56 lakh
  • Other financial liabilities: ₹274.94 lakh
  • Total Equity and Liabilities: ₹9,179.95 lakh

Cash Flow Statement (FY26)

  • Net Cash from Operating Activities: ₹(3,887.81) lakh
  • Net Cash used in Investing Activities: ₹(547.82) lakh
  • Net Cash from Financing Activities: ₹3,318.56 lakh
  • Net Decrease in Cash: ₹(1,117.06) lakh
  • Closing Cash Balance: ₹485.38 lakh

Co-lending Arrangements

The company disclosed co-lending arrangements as originating RE:

  • Number of Active CLA Partners: 3
  • Gross principal outstanding: ₹901.79 lakh
  • Weighted average rate of interest: 18.00%
  • Sector: Loan Against Property
  • Standard Loans: ₹901.79 lakh
  • Non-Performing Loan: Nil
  • Default Loss Guarantee: Yes

The company has not undertaken any co-lending arrangements as Partner RE.

Regulatory Compliance Disclosures

  • Net Worth: ₹6,647.29 lakh
  • Net Profit After Tax: ₹73.33 lakh
  • Gross NPA: 1.38%
  • Net NPA: 1.24%
  • Capital to Risk-Weighted Assets Ratio: 71.13%
  • Net Profit Margin: 5.87%

Additional Information

The Company operates in a single segment. Figures have been re-grouped/re-arranged/re-classified/re-worked wherever necessary to make them comparable.