The meeting commenced at 5:30 PM and concluded at 6:45 PM. The trading window for trading in securities of the Company will reopen on Sunday, November 15, 2026, in accordance with the Company's Code of Conduct for Prohibition of Insider Trading.

Financial Performance (Quarter Ended September 30, 2026)

  • Revenue from Operations: ₹382.00 lakhs (Interest Income: ₹352.84 lakhs; Fees and Commission Income: ₹29.17 lakhs)
  • Other Income: ₹18.39 lakhs
  • Total Revenue: ₹400.39 lakhs
  • Total Expenses: ₹356.05 lakhs (Finance Costs: ₹95.65 lakhs; Employee Benefits: ₹187.29 lakhs; Impairment on financial instruments: ₹15.08 lakhs; Depreciation: ₹16.80 lakhs; Other Expenses: ₹21.24 lakhs)
  • Profit Before Tax: ₹44.34 lakhs
  • Tax Expense: ₹11.87 lakhs (Current Tax)
  • Profit After Tax: ₹32.47 lakhs
  • Earnings Per Share (Basic): ₹0.01
  • Earnings Per Share (Diluted): ₹0.01

Financial Performance (Half Year Ended September 30, 2026)

  • Revenue from Operations: ₹756.32 lakhs
  • Other Income: ₹32.37 lakhs
  • Total Revenue: ₹788.70 lakhs
  • Total Expenses: ₹666.00 lakhs
  • Profit Before Tax: ₹122.70 lakhs
  • Tax Expense: ₹32.26 lakhs (Current Tax)
  • Profit After Tax: ₹90.43 lakhs
  • Earnings Per Share (Basic): ₹0.04
  • Earnings Per Share (Diluted): ₹0.04

Statement of Assets and Liabilities (As at September 30, 2026)

  • Total Assets: ₹10,806.63 lakhs
  • Financial Assets: Cash and cash equivalents: ₹818.88 lakhs; Loans: ₹8,241.96 lakhs; Investments: ₹1,002.38 lakhs; Other Financial Assets: ₹53.13 lakhs
  • Non-Financial Assets: Property, plant and equipment: ₹24.25 lakhs; Right of Use Asset: ₹128.91 lakhs; Other non-financial assets: ₹537.12 lakhs
  • Total Liabilities and Equity: ₹10,806.63 lakhs
  • Financial Liabilities: Borrowings: ₹3,151.66 lakhs; Other financial liabilities: ₹547.30 lakhs
  • Non-Financial Liabilities: Current tax liabilities: ₹35.55 lakhs; Provisions: ₹11.16 lakhs
  • Equity: Share capital: ₹2,371.40 lakhs; Other Equity: ₹4,689.57 lakhs

Cash Flow Statement (Half Year Ended September 30, 2026)

  • Net Cash from Operating Activities: (₹958.73) lakhs
  • Net Cash used in Investing Activities: (₹485.68) lakhs
  • Net Cash from Financing Activities: ₹1,777.91 lakhs
  • Net Increase in Cash and Equivalents: ₹333.50 lakhs
  • Cash and Equivalents Opening Balance: ₹485.38 lakhs
  • Cash and Equivalents Closing Balance: ₹818.88 lakhs

Significant Notes

1. The company is registered as a Non-Banking Financial Company (NBFC) with the RBI and is classified under the 'Base layer' pursuant to Scale Based Regulations.

2. During the period, 4,97,00,000 convertible share warrants were converted into equity shares, increasing share capital by ₹497.00 lakhs and securities premium by ₹1,645.07 lakhs. Subsequent to the quarter, remaining 3,69,20,000 warrants were forfeited on October 2, 2026, with ₹397.81 lakhs forfeited.

3. Co-lending arrangements: The company has 2 active co-lending partners with gross principal outstanding of ₹1,060.02 lakhs at weighted average interest rate of 18.02%. All loans are standard with no non-performing loans. Default Loss Guarantee is applicable.

The financial results were reviewed by M/s. A R C K & Co., Chartered Accountants, who issued a limited review report stating nothing came to their attention suggesting material misstatement.