Key Financial Results (Quarter Ended June 30, 2026)

Financial Performance (₹ in Lakhs):

  • Total Revenue: ₹388.30 (compared to ₹367.82 in previous quarter and ₹237.45 in year-ago quarter)
  • Revenue from Operations: ₹374.32 (comprising Interest Income: ₹342.59, Fees and Commission Income: ₹31.73)
  • Other Income: ₹13.98
  • Total Expenses: ₹309.94 (including Finance Costs: ₹89.74, Employee Benefits: ₹152.39, Depreciation: ₹16.55)
  • Profit Before Tax: ₹78.36
  • Tax Expense: ₹20.39 (Current Tax: ₹20.39, Deferred Tax: ₹0)
  • Profit After Tax: ₹57.97
  • Total Comprehensive Income: ₹57.97

Capital Structure and Ratios:

  • Paid-up Equity Share Capital: ₹2,271.40 lakh (Face Value: Re. 1 each)
  • Earnings Per Share: Basic ₹0.03, Diluted ₹0.03 (not annualized)
  • Net Worth: ₹6,705.25 lakh
  • Debt Equity Ratio: 0.43
  • Total Debts to Total Assets: 0.28
  • Net Profit Margin: 14.93%
  • Capital to Risk-Weighted Assets Ratio: 61.37%
  • Gross NPA: 2.24%, Net NPA: 2.02%

Comparative Performance:

  • Revenue increased 63.5% YoY from ₹237.45 lakh (Q1 FY26) to ₹388.30 lakh (Q1 FY27)
  • Net profit increased 288.5% YoY from ₹14.93 lakh (Q1 FY26) to ₹57.97 lakh (Q1 FY27)

Operational Highlights

NBFC Status: The company holds Certificate of Registration as a Non-Banking Financial Company classified under 'Base layer' per RBI circular dated November 28, 2025.

Co-lending Arrangements (as Originating RE):

  • Number of Active CLA Partners: 2
  • Gross Principal Outstanding: ₹969.74 lakh
  • Weighted Average Interest Rate: 18.00%
  • Standard Loans: ₹969.74 lakh
  • No Non-Performing Loans under CLA
  • Default Loss Guarantee: Yes

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

Board Decisions and Corporate Actions

Approved Items:

1. Unaudited Financial Results for quarter ended June 30, 2026, reviewed by Audit Committee

2. Appointment of M/s. AHSP & Co. LLP, Chartered Accountants as Internal Auditor for FY 2026-27

  • Date of Appointment: August 13, 2026
  • Term: Financial year 2026-27
  • Services: Bookkeeping, Accounting, Taxation, Auditing, GST and Income Tax

3. Draft Notice for 45th Annual General Meeting

  • AGM Date: September 23, 2026
  • Mode: Video Conferencing/Other Audio-Visual Means

4. Proposal to seek shareholder approval for raising funds by issuing securities through private placement

Trading Window: Will reopen on Sunday, August 16, 2026, in compliance with SEBI Prohibition of Insider Trading Regulations.

Meeting Details: Board meeting commenced at 11:15 AM and concluded at 02:15 PM on August 13, 2026.