• The document is an intimation and accompanying investor presentation for an Earnings Conference Call / Meet held in connection with the unaudited financial results (Standalone and Consolidated) for the first quarter ended June 30, 2026 (Q1 FY27).
  • The event was held on Monday, July 27, 2026, at 18:30 (IST).
  • The stated purpose was to discuss the Q1 FY27 results. The meeting was scheduled after the earnings announcement, as referenced by the enclosed presentation.
  • Management participants were not explicitly listed in the cover letter, but the presentation deck details the Board of Directors and the experienced leadership team, including Managing Director & CEO Ashish Mehrotra and CFO Atul Tibrewal.
  • The company confirmed the Investor Presentation is available on its website at https://www.northernarc.com/financial-results.
  • The document includes standard compliance and disclaimer language, stating the presentation is prepared as required under SEBI LODR Regulation 46(2)(o) and is not an offer of securities. It does not explicitly state that no Unpublished Price Sensitive Information (UPSI) will be shared.

Financial & Operational Highlights from Presentation

Key Performance Metrics (Q1 FY27):

  • Assets Under Management (AUM): INR 16,855 crore, a 19% quarter-on-quarter (QoQ) growth.
  • Profit After Tax (PAT): INR 114 crore, a 46% year-on-year (YoY) increase from INR 78 crore in Q1 FY26.
  • Net Interest Income (NII): INR 394 crore, up 32% YoY.
  • Net Revenue: INR 416 crore, up 28% YoY.
  • Pre-Provision Operating Profit (PPoP): INR 263 crore, up 27% YoY.
  • Credit Costs: 2.6% of AUM, improved from 3.0% in Q1 FY26.
  • Return on Assets (RoA): 2.7% for Q1 FY27, up from 2.4% in Q1 FY26.
  • Return on Equity (RoE): 11.5% for Q1 FY27, up from 9.3% in Q1 FY26.

Business Segment Analysis (AUM as of Jun-26):

  • Intermediate Retail: INR 6,089 crore; GNPA 0.8%; Credit Cost 1.5%
  • MSME: INR 3,761 crore; GNPA 2.6%; Credit Cost 0.9%
  • Consumer Finance: INR 5,802 crore; GNPA 0.2%; Credit Cost 5.0%
  • Rural Finance: INR 1,203 crore; GNPA 0.02%; Credit Cost 3.5%
  • Total Gross NPA (%): Improved to 1.0% in Jun-26 from 1.2% in Mar-26.

Strategic & Operational Updates:

  • The Direct-to-Customer (D2C) lending portfolio now constitutes 64% of the total AUM.
  • The company highlights its "phygital" model for MSME lending and a sustained momentum in consumption demand for Consumer Finance.
  • It maintains a robust technology stack (nPOS platform) and a diversified liability franchise.
  • The company has an ICRA ESG Impact Rating of 81 (Outstanding) and has facilitated over INR 2.5 lakh crore in financing, impacting 140 million lives.

Additional Notes Section

  • The document was enclosed with the Investor Presentation deck for Q1 FY27.
  • The cover letter is addressed to BSE Limited and the National Stock Exchange of India Ltd., with a copy to Catalyst Trusteeship Limited.
  • The document is signed by Prakash Chandra Panda, Company Secretary & Compliance Officer.
  • Financial data was extensively disclosed in the accompanying presentation deck.