Summary of Key Information:

Reporting Period: Quarter ended June 30, 2026 (Q1 FY27)

Nature of Filing / Announcement: Outcome of Board Meeting and Submission of Unaudited Financial Results

Audit Opinion:

Unmodified opinion issued by M/s. KKC & Associates LLP, Chartered Accountants, Statutory Auditors of the Company

Key Financial Highlights [INR in Lakhs]:

Standalone Results:

Revenue from Operations: ₹66,993 (Q1 FY26: ₹51,660 | +29.6% YoY)

  • Interest Income: ₹64,457 (Q1 FY26: ₹48,613)
  • Fee and Commission Income: ₹2,411 (Q1 FY26: ₹2,516)
  • Net Gain on fair value changes: ₹125 (Q1 FY26: ₹531)

Total Income: ₹67,025 (Q1 FY26: ₹51,725 | +29.6% YoY)

Net Profit: ₹11,438 (Q1 FY26: ₹7,501 | +52.5% YoY)

EPS (Face Value of Rs. 10/- each):

  • Basic: ₹3.05 (Q1 FY26: ₹2.01)
  • Diluted: ₹3.03 (Q1 FY26: ₹2.01)

Net Profit Margin: 17.07% (Q1 FY26: 14.50%)

Other Financial Metrics:

Net Worth: ₹3,00,276 (Mar 31, 2026: ₹2,63,440)

Paid-up Equity Share Capital: ₹37,491 (Mar 31, 2026: ₹37,421)

Asset Quality Indicators:

Gross NPA: 1.55% (Mar 31, 2026: 1.99%)

Net NPA: 0.96% (Mar 31, 2026: 1.24%)

Provision Coverage Ratio: 38.36% (Mar 31, 2026: 38.27%)

Capital to Risk Weighted Assets Ratio: 20.71% (Mar 31, 2026: 22.40%)

Liquidity Coverage Ratio: 157.00% (Mar 31, 2026: 130.55%)

Segment-wise Performance:

The Company's business comprises lending loans, by way of offering different products and across geographies, that constitute the only segment considering internal reporting to Chief Operating Decision Maker. Hence there are no reportable segments.

Corporate Actions:

  • During the quarter, the Company granted 20,15,744 options in accordance with the company's Employee Stock Option Scheme(s) (ESOS 2024 and ESOS 2018)
  • The Company allotted 6,99,980 equity shares of INR 10 each fully paid up, on exercise of options by employees
  • No dividend declared

Other Significant Information:

  • The Company transferred loans through assignment (not in default) aggregating ₹58,881 lakhs during the quarter with weighted average residual maturity of 37 months and weighted average holding period of 6 months
  • Retention of beneficial economic interest: 10%
  • Coverage of tangible security coverage: 100%
  • The Company did not acquire any loans through assignment or any stressed loans during the quarter
  • No deviation/variation in utilization of issue proceeds of non-convertible securities (NCDs totaling ₹450 Crores raised on March 24, 2026)