Summary of Key Information:
Reporting Period: Quarter ended June 30, 2026 (Q1 FY27)
Nature of Filing / Announcement: Outcome of Board Meeting and Unaudited Financial Results
Audit Opinion:
Unmodified opinion (clean) from statutory auditors Deloitte Haskins & Sells
Key Financial Highlights [Amounts in INR lakhs]:
Standalone Results:
Revenue from Operations: ₹82,898.09
- Interest income: ₹80,760.58
- Fees and commission income: ₹1,359.14
- Net gain on fair value changes: ₹778.37
Total Income: ₹83,874.12
- Other income: ₹976.03
Expenses: ₹47,679.01
- Finance costs: ₹17,150.50
- Impairment on financial instruments: ₹6,181.66
- Employee benefits expenses: ₹18,887.50
- Depreciation and amortization: ₹920.60
- Other expenses: ₹4,538.75
Profit before tax: ₹36,195.11
Tax expense: ₹9,054.25
- Current tax: ₹9,583.06
- Deferred tax: (₹528.81)
Profit for the period: ₹27,140.86
Other comprehensive income/(loss): (₹86.17)
Total comprehensive income: ₹27,054.69
Earnings per equity share:
- Basic: ₹9.19
- Diluted: ₹9.18
Face value per share: ₹1.00
Quarterly Comparison:
| Metric | Q1 FY27 (Jun 30, 2026) | Q4 FY26 (Mar 31, 2026) | Q1 FY26 (Jun 30, 2025) | FY26 (Mar 31, 2026) |
| Revenue from Operations | 82,898.09 | 81,694.54 | 78,667.77 | 3,21,812.35 |
| Total Income | 83,874.12 | 82,605.82 | 79,118.74 | 3,24,597.17 |
| Net Profit | 27,140.86 | 26,926.78 | 26,631.16 | 1,09,874.53 |
| EPS Basic | 9.19 | 9.14 | 9.04 | 37.31 |
Key Ratios and Metrics:
- Net profit margin: 32.36% (33.66% in Q1 FY25)
- Total debt to total assets: 0.50
- Net worth: ₹7,65,342.37
- Gross Stage 3 Assets Ratio: 3.46%
- Net Stage 3 Assets Ratio: 2.10%
- Liquidity coverage ratio: 296%
- Capital to risk weighted assets ratio: 51.25%
- Security cover over listed non-convertible debentures: 1.19 times
Segment-wise Performance:
The Company operates in a single business segment (financing) and single geographical segment (India) as per Ind AS 108.
Corporate Actions:
- 42nd Annual General Meeting scheduled for Monday, August 31, 2026 at 10:00 AM through Video conference/Other Audio Video Means
- No dividend declared in this board meeting
Director Appointments:
- Mr. Sreeram Ranganathan Iyer (DIN: 00472961) appointed as Additional Director, designated as Non-Executive Independent Director
- Term: 5 consecutive years effective July 25, 2026
- Subject to shareholder approval at ensuing AGM
- Confirmed meeting independence criteria under Section 149 of Companies Act, 2013 and Regulation 16 of SEBI LODR Regulations
Compliance Officer Extension:
- Mr. R. Vijayaraghavan's tenure as Chief Compliance Officer extended for 3 years effective October 1, 2026
- Pursuant to RBI circular dated April 11, 2022 and RBI (NBFC - Governance) Directions
Auditor Appointment:
- Proposed appointment of M/s Suri & Co, Chartered Accountants (FRN: 004283S) as Joint Statutory Auditors
- Term: 3 years from conclusion of 42nd AGM to conclusion of 45th AGM
- Required under RBI guidelines for entities with asset size ≥ ₹15,000 crore
Other Disclosures:
- Company is Systemically Important Non-Deposit taking NBFC (NBFC-ND-SI)
- No subsidiaries, associates or joint ventures as of June 30, 2026
- Employee stock options: 4,510 options exercised during quarter, 8,180 options exercised but pending allotment, total outstanding options: 19,17,560
- All debentures secured by exclusive first charge on book debts with security cover 1.00-1.25 times
- No transfer or acquisition of loans (default or stressed) during the period
Other Significant Information:
- Security cover certificate for non-convertible debentures submitted as per Regulation 54(2) and 54(3) of SEBI LODR Regulations
- Previous periods' figures regrouped/reclassified where necessary