Key Financial Performance - Q2FY27

Assets Under Management (AUM)

  • AUM: ₹72,659 Mn, representing 33% YoY growth and 8% QoQ growth from ₹67,074 Mn in Q1FY27

Disbursements

  • Quarterly disbursements: ₹15,673 Mn, showing 42% YoY growth but -9% QoQ decline from ₹17,309 Mn in Q1FY27
  • H1FY27 cumulative disbursements: ₹32,982 Mn, representing 77% YoY growth

Income and Profitability

  • Total Income: ₹2,773 Mn, up 24% YoY and 7% QoQ from ₹2,603 Mn
  • Net Interest Income: ₹1,357 Mn, up 23% YoY
  • Profit After Tax: ₹656 Mn, up 27% YoY and 7% QoQ from ₹613 Mn
  • H1FY27 PAT: ₹1,270 Mn, up 29% YoY

Margins and Ratios

  • Net Interest Margin: 5.7%, down 85 bps YoY and 91 bps QoQ from 6.6%
  • Return on Assets: 3.3%
  • Return on Equity: 13.4%

Asset Quality

  • Gross NPA: 0.66%, improved by 15 bps YoY and 4 bps QoQ
  • Net NPA: 0.46%, improved by 19 bps YoY and 3 bps QoQ

Borrowings and Capital

  • Total borrowings: ₹54,808 Mn as of September 2026
  • Cost of borrowing: 10.0%, improved by 50 bps YoY
  • Capital Adequacy Ratio: 30.7% with Tier 1 capital at 25.2%
  • Net Worth: ₹18,981 Mn, grew by 13% YoY

Operational Highlights

Distribution Network

  • Total touchpoints: 6,415 across 23 states & UTs
  • New touchpoints added in Q2: 420
  • New touchpoints added in H1: 1,116
  • Branch network: 426 branches

Customer Base

  • Total customer franchise: ~20 Mn customers
  • New customer additions in Q2: ~1.9 Mn

AI Integration and Efficiency

  • AI calling handled 650k promotional calls vs 500k in Q1FY27
  • AI bots processed 300k applications in Q2 vs 180k in Q1FY27
  • 25 AI bots live for customer engagement vs 18 in Q1FY27
  • 18 live voice AI bots for outbound calls
  • Headcount reduced by 11% YoY to 2,905 employees

Management Commentary

Mr. Santanu Agarwal, Deputy Managing Director, commented on embedding AI across the lending lifecycle, driving productivity gains, enhancing customer experience and improving operating efficiency. He mentioned the upcoming launch of a consumer-facing digital platform and highlighted the company's focus on delivering sustainable growth, capital efficiency and long-term value creation.

Conference Call Details

  • Date: October 22, 2026
  • Time: 4:00 PM IST
  • Registration link provided: https://services.choruscall.in/DiamondPassRegistration/register?confirmationNumber=8234670&linkSecurityString=4875bbbd6e
  • Dial-in numbers provided for universal and toll-free access across multiple countries