Summary of Key Information:
Reporting Period (Quarter/Year): Quarter and Half Year ended September 30, 2026
Nature of Filing / Announcement: Outcome of Board Meeting held on October 27, 2026
Audit Opinion:
Clean/Unmodified opinion issued by statutory auditors KRSHNA & Associates
Key Financial Highlights [₹ in Lakhs]:
Standalone Results:
Quarter ended September 30, 2026:
- Revenue from Operations: ₹9,774.36 (vs ₹7,776.88 in Q2 FY26, +25.7% YoY)
- Total Income: ₹9,776.31
- Net Profit: ₹1,373.41 (vs ₹1,139.81 in Q2 FY26, +20.5% YoY)
- EPS: ₹2.73 (vs ₹2.27 in Q2 FY26)
Half Year ended September 30, 2026:
- Revenue from Operations: ₹19,035.18 (vs ₹14,477.25 in H1 FY26, +31.5% YoY)
- Total Income: ₹19,037.32
- Net Profit: ₹2,699.69 (vs ₹2,114.89 in H1 FY26, +27.6% YoY)
- EPS: ₹5.37 (vs ₹4.21 in H1 FY26)
Balance Sheet as at September 30, 2026:
- Cash and Cash Equivalents: ₹23,402.65
- Other Equity: ₹38,412.38
- Total Debt: ₹1,56,803.09 (Debt Securities: ₹49,059.73 + Borrowings: ₹1,07,743.83)
- Net Worth: ₹43,436.32
Segment-wise Performance:
The Company operates in a single business segment of financing activities as per Ind AS 108.
Corporate Actions:
- Dividend: Second Interim Dividend of ₹0.25 per share (face value ₹10) declared for FY26-27
- Record Date: November 6, 2026
- Payment Date: On or before November 20, 2026
- Debt Issuance: Approved fresh issuance of Secured/Unsecured NCDs/Perpetual Debt Instruments up to ₹200 crores via private placement
Other Significant Information:
- Loan Transfers: Transferred ₹87.98 crores of loans through direct assignment with 10% MRR retention
- Stressed Loan Sales: Transferred ₹36.45 crores principal outstanding of stressed loans to ARCs for ₹27.50 crores consideration
- Asset Quality: Gross Stage 3 assets at 2.96% (vs 3.52% YoY), Net Stage 3 assets at 2.19% (vs 2.68% YoY)
- Capital Adequacy: CRAR at 24.69% (vs 26.54% YoY)
- Liquidity: Liquidity Coverage Ratio at 2.58 (vs 3.79 YoY)
Entities Included in Consolidation:
Not Specified
Exceptional Items:
No exceptional items disclosed
Change in Accounting Policy:
No change in accounting policy affecting comparability
Forward-looking Guidance:
No specific guidance or outlook provided