Financial Results Approval

The Board of Directors at its meeting held on October 15, 2026, approved the Un-audited Financial Results for the quarter and half year ended September 30, 2026, along with Cash Flow Statement and Statement of Assets and Liabilities. The results were reviewed by the Audit Committee and approved by the Board on the same date.

Key Financial Figures (Standalone, in ₹ Crore unless stated otherwise)

Quarter Ended September 30, 2026:

  • Total Income: ₹7,924.46 crore
  • Profit Before Tax: ₹1,958.48 crore
  • Profit After Tax: ₹1,958.48 crore
  • Basic EPS: ₹1.50 (non-annualized)

Half Year Ended September 30, 2026:

  • Total Income: ₹16,315.80 crore (22.77% increase YoY)
  • Profit Before Tax: ₹3,885.69 crore
  • Profit After Tax: ₹3,885.69 crore (10.31% increase YoY)
  • Basic EPS: ₹2.97 (non-annualized)

Comparative Figures:

  • Q2 FY26 PAT: ₹1,776.98 crore
  • H1 FY26 PAT: ₹3,522.67 crore
  • FY26 PAT: ₹7,009.17 crore

Revenue Breakdown (H1 FY27):

  • Interest Income: ₹14,243.00 crore
  • Lease Income: ₹1,865.44 crore
  • Other Operating Income: ₹19.08 crore
  • Other Income: ₹188.28 crore

Balance Sheet Position (as of September 30, 2026):

  • Paid-up Equity Share Capital: ₹13,068.51 crore (Face Value ₹10 per share)
  • Other Equity: ₹47,504.84 crore
  • Net Worth: ₹60,573.35 crore
  • Total Assets: ₹503,996.29 crore
  • Government of India Shareholding: 82.90%

Dividend Declaration

The Board declared an Interim Dividend of ₹1.15 per equity share of ₹10 each for FY 2026-27. The Record Date for determining eligibility is Friday, October 23, 2026. The dividend will be paid within 30 days from declaration date exclusively through electronic mode.

Tax Compliance

Shareholders are requested to update TDS details for dividend payment with Registrar and Transfer Agent at irfcinvestors@beetalmail.com by October 23, 2026. The company will deduct TDS as per Income Tax Act, 2025 rates.

Operational Highlights

  • Zero NPAs maintained during the quarter
  • Net Interest Margin (NIM) stood at 1.50% (annualized) for the quarter
  • The company does not have any subsidiaries/associates/joint ventures
  • Composition of Board not fully compliant with SEBI LODR due to insufficient number of Independent Directors

Credit Ratings (as of September 30, 2026):

  • CRISIL: AAA/Stable
  • ICRA: AAA/Stable
  • CARE: AAA/Stable

Investor Complaints

No pending investor complaints at beginning or end of quarter for both equity and bond segments.

Auditor Review

The unaudited financial results were reviewed by joint statutory auditors KGRS & Co. and GSA & Associates LLP, who issued an unmodified review report.