Key Financial Results (₹ in Lakhs)

Quarter Ended March 31, 2026 (Audited):

  • Revenue from Operations: ₹792.42 Lakhs (Interest Income: ₹792.23 Lakhs; Other Income: ₹0.19 Lakhs)
  • Total Expenses: ₹261.88 Lakhs (Finance Costs: ₹131.90 Lakhs; Impairment on Financial Instruments: -₹22.07 Lakhs [reversal]; Employee Benefits: ₹102.58 Lakhs; Depreciation: ₹7.01 Lakhs; Other Expenses: ₹42.46 Lakhs)
  • Profit Before Tax: ₹530.54 Lakhs
  • Tax Expense: ₹135.25 Lakhs
  • Net Profit: ₹395.29 Lakhs
  • Other Comprehensive Income: ₹0.36 Lakhs
  • Total Comprehensive Income: ₹395.65 Lakhs
  • Basic & Diluted EPS: ₹0.07

Year Ended March 31, 2026 (Audited):

  • Revenue from Operations: ₹3,062.87 Lakhs (Interest Income: ₹3,062.31 Lakhs; Other Income: ₹0.56 Lakhs)
  • Total Expenses: ₹1,385.72 Lakhs (Finance Costs: ₹528.52 Lakhs; Impairment on Financial Instruments: ₹254.75 Lakhs; Employee Benefits: ₹402.97 Lakhs; Depreciation: ₹47.18 Lakhs; Other Expenses: ₹152.30 Lakhs)
  • Profit Before Tax: ₹1,677.15 Lakhs
  • Tax Expense: ₹425.28 Lakhs
  • Net Profit: ₹1,251.87 Lakhs
  • Other Comprehensive Income: ₹2.84 Lakhs
  • Total Comprehensive Income: ₹1,254.71 Lakhs
  • Basic & Diluted EPS: ₹0.22

Comparative Figures (Year Ended March 31, 2025 - Audited):

  • Revenue from Operations: ₹1,973.38 Lakhs
  • Net Profit: ₹494.67 Lakhs
  • Total Comprehensive Income: ₹485.10 Lakhs
  • Basic & Diluted EPS: ₹0.08

Balance Sheet Highlights (as of March 31, 2026)

  • Total Assets: ₹15,870.62 Lakhs (Previous Year: ₹13,702.11 Lakhs)
  • Financial Assets: ₹15,381.63 Lakhs (Cash & Cash Equivalents: ₹2.19 Lakhs; Loans: ₹15,316.93 Lakhs; Investments: ₹60.00 Lakhs; Other Financial Assets: ₹2.51 Lakhs)
  • Non-Financial Assets: ₹488.99 Lakhs (Deferred Tax Assets: ₹279.17 Lakhs; Property, Plant & Equipment: ₹54.85 Lakhs; Right of Use Assets: ₹16.14 Lakhs; Other Non-Financial Assets: ₹138.83 Lakhs)
  • Total Liabilities: ₹6,739.19 Lakhs
  • Financial Liabilities: ₹5,456.39 Lakhs (Lease Liabilities: ₹15.56 Lakhs; Payables: ₹4.62 Lakhs; Borrowings: ₹5,372.03 Lakhs; Other Financial Liabilities: ₹64.18 Lakhs)
  • Non-Financial Liabilities: ₹1,282.81 Lakhs (Current Tax Liabilities: ₹970.14 Lakhs; Provisions: ₹54.53 Lakhs; Other Non-Financial Liabilities: ₹258.14 Lakhs)
  • Equity: ₹9,131.43 Lakhs (Equity Share Capital: ₹5,716.67 Lakhs; Other Equity: ₹3,414.75 Lakhs)

Cash Flow Statement (Year Ended March 31, 2026)

  • Net Cash Used in Operating Activities: (₹160.87) Lakhs
  • Net Cash Used in Investing Activities: (₹60.00) Lakhs
  • Net Cash from Financing Activities: ₹221.16 Lakhs
  • Net Increase in Cash: ₹0.29 Lakhs
  • Cash & Cash Equivalents at Year-End: ₹2.19 Lakhs

Significant Events and Notes

1. Rights Issue: Subsequent to the reporting period (March 31, 2026) but prior to the approval of these results (May 30, 2026), the company completed a rights issue of 12,56,19,642 equity shares (face value ₹1 each) at an issue price of ₹1 per share, aggregating to ₹12,56,19,642. The issue was offered in the ratio of 21 equity shares for every 10 equity shares held.

2. Segment Reporting: The company operates mainly in the business of financing, and accordingly, there are no separate reportable operating segments as per Ind AS 108.

3. Basis of Preparation: The financial results are prepared in accordance with Indian Accounting Standards (Ind AS) and SEBI Listing Regulations.

4. Quarterly Figures: The figures for Q4 FY26 are balancing figures between the audited full-year results and the published unaudited figures for the nine months ended December 31, 2025.

5. Paid-up Capital: The paid-up equity share capital remained unchanged at ₹5,716.67 Lakhs (571.667 crore shares of ₹1 face value) as of March 31, 2026.