Key Financial Figures (Quarter Ended June 30, 2026)
Revenue Performance (₹ lakhs)
- Interest Income: ₹40.71 lakhs (vs ₹13.71 lakhs in Q1 FY26)
- Fees & Commission Income: ₹1,097.50 lakhs (vs ₹813.71 lakhs in Q1 FY26)
- Other Operating Income: ₹86.10 lakhs (vs ₹54.54 lakhs in Q1 FY26)
- Net gain on fair value changes: ₹255.04 lakhs (vs ₹138.78 lakhs in Q1 FY26)
- Total Revenue from operations: ₹1,479.35 lakhs (vs ₹1,020.73 lakhs in Q1 FY26)
- Other Income: ₹101.31 lakhs (includes recovery of bad debts of ₹71.23 lakhs)
- Total Income: ₹1,580.66 lakhs (vs ₹1,187.32 lakhs in Q1 FY26)
Expense Breakdown (₹ lakhs)
- Finance Costs: ₹68.69 lakhs (vs ₹79.22 lakhs in Q1 FY26)
- Fees and commission expense: ₹56.11 lakhs (vs ₹52.11 lakhs in Q1 FY26)
- Impairment of financial instruments: ₹89.51 lakhs (vs ₹14.82 lakhs in Q1 FY26)
- Employee Benefits Expenses: ₹212.17 lakhs (vs ₹136.26 lakhs in Q1 FY26)
- Depreciation, amortization and impairment: ₹26.45 lakhs (vs ₹18.30 lakhs in Q1 FY26)
- Bad debts: ₹309.50 lakhs (vs ₹179.55 lakhs in Q1 FY26)
- Others expenses: ₹278.23 lakhs (includes marketing expenses of ₹103.97 lakhs, tech expenses of ₹28.22 lakhs, customer verification & communication cost of ₹42.07 lakhs)
- Total Expenses: ₹1,040.65 lakhs (vs ₹702.22 lakhs in Q1 FY26)
Profitability Metrics (₹ lakhs)
- Profit before tax: ₹540.01 lakhs (vs ₹485.11 lakhs in Q1 FY26)
- Tax Expense: ₹98.80 lakhs (Current tax: ₹91.27 lakhs, Deferred tax: ₹7.53 lakhs)
- Profit for the period from continuing operations: ₹441.21 lakhs (vs ₹377.31 lakhs in Q1 FY26)
- Other Comprehensive Income: ₹80.50 lakhs (primarily from investment in equity instruments)
- Total Comprehensive Income for the period: ₹521.72 lakhs (vs ₹411.79 lakhs in Q1 FY26)
Capital Structure
- Paid up Equity Share Capital: ₹2,022.20 lakhs (unchanged from previous periods)
- Reserves excluding Revaluation Reserves: ₹2,107.98 lakhs (vs ₹1,484.66 lakhs in Q1 FY26)
Per Share Data
- Basic EPS (₹): 2.18 (vs 1.87 in Q1 FY26)
- Diluted EPS (₹): 2.18 (vs 1.87 in Q1 FY26)
Comparative Performance
| Metric | Q1 FY27 (Jun 2026) | Q4 FY26 (Mar 2026) | Q1 FY26 (Jun 2025) | FY26 (Full Year) |
| Total Income | ₹1,580.66 lakhs | ₹1,176.16 lakhs | ₹1,187.32 lakhs | ₹4,335.27 lakhs |
| Profit before tax | ₹540.01 lakhs | ₹82.12 lakhs | ₹485.11 lakhs | ₹991.20 lakhs |
| Profit for period | ₹441.21 lakhs | ₹36.28 lakhs | ₹377.31 lakhs | ₹725.85 lakhs |
| Total Comprehensive Income | ₹521.72 lakhs | (₹138.35) lakhs | ₹411.79 lakhs | ₹514.02 lakhs |
Regulatory and Governance Details
- Review Status: Results reviewed by Audit Committee and approved by Board on July 28, 2026
- Auditor: Darpan & Associates, Chartered Accountants (Firm Regn No. 0161565)
- Limited Review Report: Issued by CA Darpan Kumar (Partner, M. No. 235817) confirming no material misstatements found
- Certification: Managing Director Jaijash Tatia and CFO Shoba Nahar certified the financial statements as true and fair with no fraudulent transactions
- Internal Controls: No deficiencies in design or operation of internal controls for financial reporting disclosed
- Accounting Policies: No significant changes in accounting policies during the period
- Segmental Reporting: Company primarily engaged in financing business with no separate reportable segments
Dividend Information
No interim dividend declared for the quarter.
Additional Notes
- Investments in equity instruments are measured at fair value with irrevocable election to measure at FVOCI or FVTPL on instrument-by-instrument basis
- Figures have been re-grouped/re-classified/re-arranged for better comparison where necessary
- Figures for quarter ended March 31, 2026 are balancing figures between audited full year and year-to-date figures up to end of third quarter