Summary of Key Information:

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

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

Audit Opinion:

Unmodified opinion on the Financial Results issued by joint statutory auditors M/s. B S R & Co. LLP and M/s. Batliboi & Purohit

Key Financial Highlights [Rs. in million]:

Standalone Results:

Revenue from Operations: Rs 5,380.11 (YoY: +18.6% from Rs 4,536.14 in Q1 FY26)

  • Interest income: Rs 4,619.67
  • Fees and commission income: Rs 234.21
  • Net gain on fair value changes: Rs 141.14
  • Net gain on derecognition of financial instruments: Rs 364.86
  • Other operating income: Rs 20.23

Total Income: Rs 5,398.41

Expenses: Rs 3,322.06

  • Finance costs: Rs 2,084.46
  • Impairment on financial instruments: Rs 158.98
  • Employee benefits expense: Rs 762.32
  • Depreciation and amortization: Rs 53.04
  • Other expenses: Rs 263.26

Profit before tax: Rs 2,076.35

Tax expense: Rs 477.84

  • Current tax: Rs 500.29
  • Deferred tax: Rs (22.45)

Net Profit: Rs 1,598.51 (YoY: +34.4% from Rs 1,188.91 in Q1 FY26)

Other comprehensive income: Rs 61.36

Total comprehensive income: Rs 1,659.87

EPS (not annualized):

  • Basic EPS: Rs 15.31
  • Diluted EPS: Rs 15.19

Other Equity: Rs 209.05

Consolidated Results:

Not applicable - The Company does not have any subsidiary/associate/joint venture company.

Segment-wise Performance:

The Company's main business is financing through loans towards affordable housing segment in India. There are no separate reportable segments as per Ind AS 108.

Corporate Actions:

Dividend: Final dividend of Rs 5.20 per equity share (260% of face value of Rs 2) for FY26 was approved by shareholders at AGM on June 24, 2026, and paid during Q1 FY27.

Employee Stock Options: 1,597,204 equity shares allotted to employees under approved employee stock option schemes during the quarter.

RBI NBFC Disclosures:

Direct Assignment Transactions (loans not in default):

  • Number of loans: 3,792
  • Aggregate amount: Rs 3,170.19 million
  • Sale consideration: Rs 2,853.17 million
  • Number of transactions: 3
  • Weighted average remaining maturity: 207 months
  • Weighted average holding period after originaton: 12 months
  • Retention of beneficial economic interest: 10%
  • Coverage of tangible security coverage: 100%
  • Rating-wise distribution of rated loans: Not Available
  • No instances where transferor has agreed to replace transferred loans

Co-lending Arrangements (CLA):

  • Number of CLA partners: 5
  • Number of outstanding cases: 4,072
  • Amount of Gross outstanding: Rs 1,579.67 million
  • Weighted average rate of interest: 5.96%
  • Fees charged during quarter: Rs 2.04 million
  • Broad sectors: Home loans
  • Performance:
  • Standard loans: Rs 1,563.59 million
  • Non-performing loans: Rs 16.08 million
  • Details related to default loss guarantee: Not Available

No loans acquired (either not in default or stressed) during the quarter.

No stressed loans transferred during the quarter.

Other Significant Information:

Trading window for designated persons and immediate relatives will open on July 30, 2026.

Face value of equity share: Rs 2.00

Paid-up equity share capital: Rs 208.66 million (previous quarter)