Key Financial Results - Consolidated

Profit & Loss Statement (₹ in million)

Quarter Ended September 30, 2026:

  • Total Income: ₹11,456.20
  • Revenue from Operations: ₹11,201.79
  • Other Income: ₹254.41
  • Total Expenses: ₹8,764.68
  • Profit Before Tax: ₹2,691.55
  • Total Tax Expense: ₹684.37
  • Profit for Period: ₹2,007.18
  • Basic EPS: ₹1.35
  • Diluted EPS: ₹1.34

Half Year Ended September 30, 2026:

  • Total Income: ₹22,107.12
  • Revenue from Operations: ₹21,612.92
  • Other Income: ₹494.20
  • Total Expenses: ₹17,088.11
  • Profit Before Tax: ₹5,021.36
  • Total Tax Expense: ₹1,276.22
  • Profit for Period: ₹3,745.14
  • Basic EPS: ₹2.52
  • Diluted EPS: ₹2.50

Balance Sheet (Consolidated) as of September 30, 2026 (₹ in million)

  • Total Assets: ₹97,308.45
  • Non-Current Assets: ₹16,858.94
  • Current Assets: ₹80,449.51 (including Loans: ₹45,001.46; Cash & Cash Equivalents: ₹16,115.18)
  • Total Equity: ₹33,489.51
  • Equity Share Capital: ₹1,748.00
  • Other Equity: ₹31,741.51
  • Total Liabilities: ₹63,818.94
  • Non-Current Liabilities: ₹21,653.81
  • Current Liabilities: ₹42,165.13

Cash Flow Statement (Consolidated) for H1 FY27 (₹ in million)

  • Net Cash Used in Operating Activities: ₹(796.65)
  • Net Cash Used in Investing Activities: ₹(4,222.38)
  • Net Cash from Financing Activities: ₹10,863.27
  • Net Increase in Cash: ₹5,844.24

Key Financial Results - Standalone

Profit & Loss Statement (₹ in million)

Quarter Ended September 30, 2026:

  • Total Income: ₹6,671.21
  • Revenue from Operations: ₹6,615.20
  • Other Income: ₹56.01
  • Total Expenses: ₹4,462.60
  • Profit Before Tax: ₹2,208.61
  • Total Tax Expense: ₹560.23
  • Profit for Period: ₹1,648.38
  • Basic EPS: ₹1.11
  • Diluted EPS: ₹1.10

Half Year Ended September 30, 2026:

  • Total Income: ₹12,898.14
  • Revenue from Operations: ₹12,795.27
  • Other Income: ₹102.87
  • Total Expenses: ₹8,880.40
  • Profit Before Tax: ₹4,017.74
  • Total Tax Expense: ₹1,018.27
  • Profit for Period: ₹2,999.47
  • Basic EPS: ₹2.01
  • Diluted EPS: ₹2.00

Balance Sheet (Standalone) as of September 30, 2026 (₹ in million)

  • Total Assets: ₹37,907.53
  • Non-Current Assets: ₹15,055.64
  • Current Assets: ₹22,851.89 (including Cash & Cash Equivalents: ₹8,582.40)
  • Total Equity: ₹30,656.24
  • Equity Share Capital: ₹1,748.00
  • Other Equity: ₹28,908.24
  • Total Liabilities: ₹7,251.29

Cash Flow Statement (Standalone) for H1 FY27 (₹ in million)

  • Net Cash from Operating Activities: ₹2,402.92
  • Net Cash Used in Investing Activities: ₹(1,154.69)
  • Net Cash from Financing Activities: ₹6,213.63
  • Net Increase in Cash: ₹7,461.86

Corporate Actions and Capital Structure

  • Initial Public Offering (IPO) completed during quarter ended September 30, 2026:
  • Total issue size: 321,082,435 equity shares
  • Fresh issue: 220,588,235 equity shares aggregating ₹7,500.00 million
  • Offer for sale: 100,494,200 equity shares aggregating ₹3,416.80 million
  • Face value: Re. 1 per share
  • Issue price: ₹34 per share (₹1 face value + ₹33 premium)
  • Listed on BSE and NSE on October 1, 2026
  • Conversion of Preference Shares:
  • 2,145,347 Compulsorily Convertible Preference Shares (face value ₹10 each) converted into 1,082,475,864 equity shares (face value Re. 1 each)
  • ESOP Exercise:
  • Moneyview Employee Trust transferred 62,672,336 equity shares pursuant to exercise of stock options under ESOP Scheme 2015
  • Share Capital Change:
  • Paid-up equity share capital increased from ₹382.16 million to ₹1,748.00 million

Exceptional Items

  • Consolidated Results:
  • Q2 FY26 included exceptional loss of ₹479.46 million (net of tax impact) related to cyber incident at subsidiary Whizdm Finance Private Limited
  • FY26 included one-time performance-based incentive of ₹1,600 million to Managing Director and CEO
  • Standalone Results:
  • FY26 included one-time performance-based incentive of ₹1,600 million to Managing Director and CEO

Subsidiary Information

Consolidated results include:

  • Whizdm Finance Private Limited (subsidiary)
  • Zeo Fin Technology Private Limited (subsidiary)
  • Moneyview Employees Trust

Subsidiary financials reviewed by their respective independent auditors:

  • Total assets: ₹73,020.75 million as of September 30, 2026
  • Total revenues: ₹4,937.78 million (Q2 FY26) and ₹9,427.96 million (H1 FY26)
  • Net profit after tax: ₹363.25 million (Q2 FY26) and ₹754.80 million (H1 FY26)

IPO Proceeds Utilization

  • As of September 30, 2026, the company has not utilized any IPO proceeds
  • No deviation or variation in use of funds raised through IPO
  • Monitoring agency: CARE Ratings Limited
  • Audit Committee and auditors have no comments on fund utilization

Additional Information

  • Company formerly known as Moneyview Private Limited and Whizdm Innovations Private Limited
  • Primary business: Financial services including financial technology solutions and corresponding lending
  • No reportable segments as per Ind AS 108