Summary of Key Information:

Reporting Period: Quarter and Financial Year ended March 31, 2026

Nature of Filing: Outcome of Board Meeting and Regulatory Disclosures under SEBI Listing Regulations

Audit Opinion:

Unmodified opinion issued by M/s. MSKA & Associates LLP, Chartered Accountants on both standalone and consolidated financial results.

Key Financial Highlights [Rs. in Lakhs]:

Standalone Results:

Revenue from Operations:

  • Q4 FY26: Rs 34,663 (vs Q4 FY25: Rs 37,250; -6.9% YoY)
  • FY26: Rs 1,39,290 (vs FY25: Rs 1,40,392; -0.8% YoY)

Total Income:

  • Q4 FY26: Rs 34,674
  • FY26: Rs 1,39,359

Net Profit/(Loss):

  • Q4 FY26: Loss of Rs (42,396) (vs Q4 FY25: Profit of Rs 1,242)
  • FY26: Profit of Rs 13,020 (vs FY25: Profit of Rs 5,259; +147.6% YoY)

EPS:

  • Q4 FY26 Basic: Rs (26.25) [not annualized]
  • FY26 Basic: Rs 9.02

Other Equity:

  • As at March 31, 2026: Rs 3,61,604 (vs March 31, 2025: Rs 3,29,013)

Cash and Cash Equivalents:

  • As at March 31, 2026: Rs 3,193 (vs March 31, 2025: Rs 9,192)

Debt:

  • Debt securities: Rs 3,07,415
  • Borrowings (other than debt securities): Rs 2,40,261
  • Total debt: Rs 5,47,676

Consolidated Results:

Revenue from Operations:

  • Q4 FY26: Rs 34,667
  • FY26: Rs 1,39,312

Total Income:

  • Q4 FY26: Rs 34,678
  • FY26: Rs 1,39,381

Net Profit/(Loss):

  • Q4 FY26: Loss of Rs (42,393) from continuing operations
  • FY26: Profit of Rs 14,045 (including Rs 1,009 from discontinued operations)

EPS:

  • FY26 Basic (continuing): Rs 9.03
  • FY26 Basic (total): Rs 9.73

Other Equity:

  • As at March 31, 2026: Rs 3,62,108

Cash and Cash Equivalents:

  • As at March 31, 2026: Rs 3,616

Segment-wise Performance:

The company is primarily engaged in financing business in India with no separate reportable segments as per Ind AS 108.

Corporate Actions:

Dividend: Not declared

Share Allotments:

  • During Q3 FY26: Allotted 1,08,69,565 equity shares to Florintree Tecserv LLP and 1,39,49,323 equity shares to BCP V Multiple Holdings Pte Ltd at Rs 184 per share pursuant to warrant conversion
  • During Q4 FY26: Allotted 5,142 equity shares on exercise of stock options
  • During FY26: Total 620,931 equity shares allotted on exercise of stock options

Other Significant Information:

Subsidiary Sale:

  • Sold Niwas Housing Finance Limited to WITKOPEEND B.V. for Rs 1,70,595 lakhs
  • Recorded exceptional gain of Rs 1,17,595 lakhs in Q2 FY25
  • Transaction completed on July 17, 2025

Asset Quality:

  • Gross NPA: 4.77% (Rs 37,469 lakhs) vs 4.52% in FY25
  • Net NPA: 2.09% (Rs 15,961 lakhs) vs 2.46% in FY25
  • Provision coverage ratio: 57.40% vs 46.65% in FY25

Impairment Provisions:

  • Q4 FY26: Rs 51,727 lakhs impairment charge including:
  • Rs 32,613 lakhs additional provision against security receipts
  • Rs 4,900 lakhs management overlay for West Asia crisis impact
  • Gross carrying value of security receipts: Rs 1,60,778 lakhs

Capital Adequacy:

  • Capital to risk-weighted assets ratio: 36.07%
  • Net worth: Rs 3,76,605 lakhs
  • Debt-equity ratio: 1.45

Trading Window:

  • Will open on Monday, June 01, 2026