Key Quantitative Figures (Quarter ended September 30, 2026)

Income Statement (₹ in lakh):

  • Interest Earned: ₹2,06,599.53 (Q2 FY27) vs ₹1,61,734.54 (Q2 FY26)
  • Other Income: ₹29,151.50 (Q2 FY27) vs ₹22,894.72 (Q2 FY26)
  • Total Income: ₹2,35,751.03 (Q2 FY27) vs ₹1,84,629.26 (Q2 FY26)
  • Interest Expended: ₹1,04,028.25 (Q2 FY27) vs ₹84,366.93 (Q2 FY26)
  • Operating Expenses: ₹91,485.50 (Q2 FY27) vs ₹76,206.24 (Q2 FY26)
  • Operating Profit: ₹40,237.28 (Q2 FY27) vs ₹24,056.09 (Q2 FY26)
  • Provisions & Contingencies: ₹11,498.89 (Q2 FY27) vs ₹20,702.28 (Q2 FY26)
  • Profit Before Tax: ₹28,738.39 (Q2 FY27) vs ₹3,353.81 (Q2 FY26)
  • Tax Expense: ₹6,934.42 (Q2 FY27) vs ₹940.28 (Q2 FY26)
  • Net Profit: ₹21,803.97 (Q2 FY27) vs ₹2,413.53 (Q2 FY26)

Half-Year Figures (₹ in lakh):

  • Net Profit (H1 FY27): ₹40,164.66 vs Net Loss of ₹(19,962.80) in H1 FY26

Key Ratios:

  • Capital Adequacy Ratio (Basel-II): 20.92% (Sep-26) vs 20.74% (Sep-25)
  • Gross NPA %: 2.29% (Sep-26) vs 2.92% (Sep-25)
  • Net NPA %: 0.70% (Sep-26) vs 0.98% (Sep-25)
  • Return on Assets (average): 0.32% (Q2) / 0.61% (H1)
  • Basic EPS (₹): 1.91 (Q2) / 3.51 (H1)
  • Diluted EPS (₹): 1.90 (Q2) / 3.50 (H1)

Balance Sheet (as of Sep 30, 2026, ₹ in lakh):

  • Deposits: ₹52,48,272.30
  • Borrowings: ₹6,88,581.00
  • Advances: ₹46,75,146.84
  • Total Assets: ₹68,44,646.51
  • Net Worth: ₹5,99,576.95

Board Meeting Decisions and Dates

  • Meeting Date: October 29, 2026 (commenced at 11:00 hours, concluded at 13:30 hours)
  • Approved Items:

1. Unaudited financial results for quarter and half year ended September 30, 2026.

2. Re-appointment of Mr. Anil Kumar Sharma (DIN: 08537123) as Part-Time Chairman for a further period of three years, from April 25, 2027 to April 24, 2030, subject to approval of the Reserve Bank of India.

3. Shifting of the Registered Office from 4th Floor, Phase II, Spencer Plaza, No. 769, Mount Road, Anna Salai, Chennai - 600 002 to Equitas Towers, Old Door Nos. 190/1,190/A and 190/B, New Door Nos. 8, 10 and 12, Mount Road, Little Mount, Saidapet, Chennai - 600 015, with effect from October 30, 2026.

Capital Structure Impact

  • ESOP Allotment: During H1 FY27, the Bank allotted 30,83,857 equity shares (face value ₹10 each) pursuant to exercise of options by employees.
  • Tier II Capital: Raised ₹50,000 lakhs during H1 FY27.
  • Paid-up Equity Share Capital: ₹1,14,412.69 lakh as of Sep 30, 2026.

Other Material Disclosures

  • COVID-19 Resolution Framework: Disclosed exposure of ₹7,005.69 lakh to 99 borrower accounts where resolution plans were implemented under RBI frameworks. ₹232.49 lakh of this slipped into NPA during H1 FY27.
  • NPA Transfer: Transferred NPAs with aggregate principal of ₹11,000.02 lakh (2,502 accounts) to an ARC (Asset Reconstruction Company) for a consideration of ₹7,370.00 lakh, resulting in a reversal of excess provision of ₹8,462.52 lakh to P&L.
  • Auditors: The financial results were subjected to a limited review by joint statutory auditors, M/s. Suri & Co. and M/s. Sundaram & Srinivasan, whose report is unmodified.

Forward-Looking Statements

Management commentary or explicit forward-looking guidance was not provided in the disclosure.