Financial Performance Highlights

Q2 FY27 Key Metrics (₹ in Lakhs)

  • Gross Total Income: ₹1,007 lakh (₹10.07 Cr), up 6.7% QoQ and 45.8% YoY
  • PAT: ₹531 lakh (₹5.31 Cr), up 8.8% QoQ and 47.3% YoY
  • Interest Income: ₹494 lakh, up 19.3% QoQ and 38.3% YoY
  • EWA Proc Fee Income: ₹119 lakh, up 16.7% QoQ and 120.4% YoY
  • Distribution Income: ₹394 lakh, down 7.7% QoQ but up 41.7% YoY

Eight Quarter Growth Trend (Q3 FY25 to Q2 FY27)

  • Revenue Growth: 1.76x increase from ₹5.72 Cr to ₹10.07 Cr
  • PAT Growth: 2.14x increase from ₹2.48 Cr to ₹5.31 Cr
  • PAT has grown in every one of the last eight quarters

Business Segments & Operational Metrics

Loan Portfolio

  • MSME Loan Book: ₹131 Cr+
  • Funding: Diversified lender base with 50+ lending partners
  • Credit Rating: Investment-grade BBB- rating

Business Lines

1. MSME Loans: Core lending business fueling MSME growth across India

2. Distribution Business: Platform connecting 50+ lenders with customers

3. Early Wage Access (EWA): Salary access product showing strong growth

4. Emerald Ekam: New platform launching with integrated financial services

Strategic Developments

Emerald Ekam Launch

  • New platform providing "everyday finance in one place"
  • Integrates salary access, loans, insurance, and investments

Partnership Ecosystem

  • Network of 50+ lenders and financial institutions
  • Partnership-led growth model strengthening reach and product access
  • Distribution at scale through trusted partnerships

Management Commentary

Mr. Sanjay Aggarwal, Managing Director & Promoter, stated:

  • "Q2 FY27 was a quarter of strong, profitable growth"
  • Half-year PAT surpassed ₹10 Cr
  • Disciplined underwriting supporting loan book growth
  • EWA scaling across corporates
  • Commitment to building "ethical, transparent and customer-first" business

Corporate Structure & Leadership

Board of Directors

1. Mr. Sanjay Aggarwal - Promoter & Managing Director

  • Education: B.Com, DAV College Chandigarh; Associate Member, ICAI
  • Experience: 30+ years in project finance, loan syndication and capital restructuring
  • Career: Direct Selling Agent for ICICI, Kotak Mahindra and HDFC Bank

2. Mrs. Anubha Aggarwal - Promoter & Director

  • Education: Bachelor of Arts and Diploma
  • Experience: 17+ years in finance sector
  • Career: Proprietor, Reliance Capital & Financial Services and Eclat Management Services

3. Mr. Manjeet Kaushik - Director

  • Education: B.Com, Delhi University; Chartered Accountant (ICAI)
  • Experience: 9+ years in finance, accounting and business development
  • Career: Managing Partner, MSK & Associates; practising CA since 2012

4. Mr. Akshay Agarwal - Director

  • Education: Chartered Accountant
  • Experience: 13+ years in audit, GST and indirect taxation
  • Career: Founder, A Akshay & Associates; Director, Satyam Plastic Granules since 2015

Management Team

1. Mrs. Sheetal Kapoor - Chief Financial Officer (CFO)

  • MBA (Finance) and CMA with 15+ years experience
  • Overseen financial operations since 2011

2. Mrs. Gurmeet Kaur - Chief Risk Officer (CRO)

  • 30+ years in consumer finance risk management
  • Previous roles at Bajaj Finance, Fullerton India and Citi Financial

3. Mr. Talin Aggarwal - Head of Partnerships

  • MBA (ISB) with 5+ years in product and strategy
  • Leads technology partnerships and strategic initiatives

4. Mrs. Amarjeet Kaur - Company Secretary

  • 23+ years experience; Commerce graduate, Panjab University
  • Manages compliance, governance and regulatory matters

5. Ms. Amanpreet Sodhi - Business Head

  • 20+ years in banking with ICICI Bank and IDBI Bank
  • Expertise in corporate and retail sales and channel management

Corporate Social Responsibility

  • CSR efforts focused on health, education and underserved communities
  • Commitment to creating lasting social impact through purpose-led initiatives

Forward-Looking Statements

  • Presentation includes forward-looking statements subject to risks and uncertainties
  • Company makes no representation or warranty about accuracy or completeness
  • Not an offer or recommendation to purchase securities