Company Overview

Reporting Period: Financial Year 2025-26 (April 01, 2025 to March 31, 2026)

Financial Performance Highlights

Consolidated Results (₹ million):

  • Total Income: ₹31,608 (23% YoY growth from ₹25,770)
  • Revenue from Operations: ₹30,430 (vs ₹24,955 in FY25)
  • EBITDA: Crossed ₹7,030 million
  • Profit After Tax: ₹3,433 million (vs ₹3,344 million in FY25)
  • Cash and Investments: ₹12,571 million strong liquidity position
  • Debt Status: Debt-free balance sheet except for lease liabilities
  • EPS: Basic ₹24.99, Diluted ₹24.31

Standalone Results (₹ million):

  • Revenue from Operations: ₹16,620.29 (FY25: ₹15,687.21)
  • Net Profit: ₹1,948.63 million
  • Proposed Dividend: Final dividend of ₹4 plus special dividend of ₹3 per equity share (Total ₹7 per share)
  • Dividend Cash Outgo: ₹978 million if approved

Business Performance and Strategic Highlights

Client Acquisition & Business Development:

  • 59 financial institutions selected Intellect as transformation partner in FY26
  • 91 global financial institutions went live on Intellect platforms
  • Presence across 62 countries with strong geographic diversification

Technology Platform Development:

  • eMACH.ai Platform: 700+ microservices, 3,061 APIs, 942 events
  • Purple Fabric AI Platform: 550+ domain-aware agents
  • AI-First Banking: Launched on eMACH.ai foundation
  • eMACH.ai Islamic Banking: AAOIFI-compliant platform with "Shariah by Design" principles
  • ISO/IEC 42001:2023 certification: World's first international standard for AI Management Systems
  • 125+ patent filings across AI, composable architecture, banking, wealth, and insurance

Geographic Revenue Mix:

  • US and Canada: 27% of total revenue
  • Strong presence in Europe, Middle East, APAC, and India & South Asia
  • Export Contribution: 69% of total turnover

Corporate Governance & Board Structure

Board Composition:

  • 7 Directors total (5 Non-Executive Directors including 4 Independent, 1 Woman Independent Director)
  • Appointed: Mr. D. Shivakumar as Independent Director (Jan 30, 2026 to Jan 29, 2031)
  • Re-appointed: Mr. Arun Jain as Managing Director (Aug 21, 2025 to Aug 20, 2030)
  • Re-appointed: Mr. Anil Kumar Verma as Whole-time Director (Feb 1, 2026)
  • Board Changes: Mr. Naresh V V retired as Company Secretary; Mr. Prakash Bharadwaj appointed as Company Secretary & Compliance Officer

Committee Structure & Oversight:

  • Audit Committee: 4 members, 6 meetings, 100% attendance
  • NRCC: 4 members, 5 meetings, 100% attendance
  • Stakeholders' Relationship Committee: 3 members, 1 meeting
  • Risk Management Committee: 4-5 members, 2 meetings
  • CSR Committee: 3 members, 1 meeting

Capital Structure & Employee Stock Options

Share Capital:

  • Paid-up Capital: ₹698.39 million (69,839,560 equity shares of ₹5 each)
  • Increase during FY26: 8,25,352 shares issued against exercise of stock options

ESOP Schemes:

  • Multiple employee stock option schemes including Associate Stock Option Plan 2011, Intellect Stock Option Plan 2015/2016, and Intellect Incentive Plan Scheme 2018
  • Recognized employee stock compensation cost of ₹262.20 million for FY26
  • Key managerial personnel held 327,392 options as of March 31, 2026

Risk Management & Compliance

BELIEF Framework covering:

  • Brand Capital (Reputation Risk)
  • End Customer Capital (Business, Competition, Concentration Risks)
  • Leadership Capital (Talent Management, Associate Conduct Risks)
  • Intellectual Property Capital (Cyber Security, Data Protection, IP Risks)
  • Execution Capital (Global Operations, Cloud Infrastructure, Compliance Risks)
  • Finance Capital (Liquidity, Currency, Tax Risks)

Certifications & Compliance:

  • ISO Certifications: 27001, 27017, 27018, 42001, 22301
  • PCI Compliance: DSS v4.0.1 and SSF (S3) v1.2
  • SOC Reports: SOC 1 & SOC 2
  • Business Continuity: ISO 22301 certified

ESG & Sustainability Disclosures

Business Responsibility & Sustainability Report (BRSR):

  • Assurance Provider: Chakra Business Assurance LLP with Limited Assurance
  • Employee Statistics: 6,555 employees (74% Male, 26% Female), 16.29% attrition rate
  • CSR Expenditure: ₹51.04 million (against requirement of ₹47.62 million) focused on education of underprivileged kids

Environmental Performance:

  • Total Energy Consumption: 23,035,616 MJ with 58.93% renewable energy share
  • Water Consumption: 35,688.34 kiloliters
  • GHG Emissions (Scope 1+2): 1,691.16 metric tonnes CO2 equivalent
  • Waste Generated: 134.006 metric tonnes, 77.3% recycled

AGM & Dividend Details

  • 15th AGM Date: July 31, 2026 at 2:30 PM IST via video conference
  • Record Date for Dividend: July 24, 2026
  • Dividend Payment Date: On or before August 29, 2026
  • E-voting Period: July 28, 2026 (9:00 AM) to July 30, 2026 (5:00 PM)

Forward-Looking Statements

The company remains committed to investing in AI-First banking technologies and expanding its global footprint while maintaining financial discipline. The management is optimistic about growth opportunities in the digital transformation space for financial institutions, supported by strong cash reserves and innovative product portfolio.