Key Financial Results - Standalone

Quarterly Performance (Q2 FY27 vs Q2 FY26):

  • Revenue from operations: ₹272.34 crore vs ₹215.83 crore (26.2% increase)
  • Interest Income: ₹260.39 crore vs ₹199.59 crore (30.5% increase)
  • Fees and commission Income: ₹10.09 crore vs ₹16.69 crore (39.5% decrease)
  • Net gain on fair value changes: ₹1.85 crore vs (₹0.46 crore) loss
  • Finance Costs: ₹128.03 crore vs ₹95.40 crore (34.2% increase)
  • Impairment on financial instruments: (₹0.38 crore) reversal vs ₹7.53 crore provision
  • Employee Benefits Expenses: ₹18.86 crore vs ₹17.81 crore (5.9% increase)
  • Profit before tax: ₹86.65 crore vs ₹68.26 crore (27.0% increase)
  • Net profit: ₹65.05 crore vs ₹50.81 crore (28.0% increase)
  • EPS: ₹0.71 vs ₹0.56 (26.8% increase)

Half-Yearly Performance (H1 FY27 vs H1 FY26):

  • Revenue from operations: ₹526.96 crore vs ₹425.42 crore (23.9% increase)
  • Net profit: ₹125.92 crore vs ₹97.47 crore (29.2% increase)
  • EPS: ₹1.38 vs ₹1.08 (27.8% increase)

Key Financial Results - Consolidated

Quarterly Performance (Q2 FY27 vs Q2 FY26):

  • Revenue from operations: ₹277.31 crore vs ₹224.01 crore (23.8% increase)
  • Net profit: ₹65.64 crore vs ₹51.54 crore (27.4% increase)
  • EPS: ₹0.72 vs ₹0.57 (26.3% increase)

Half-Yearly Performance (H1 FY27 vs H1 FY26):

  • Revenue from operations: ₹537.60 crore vs ₹442.72 crore (21.4% increase)
  • Net profit: ₹126.96 crore vs ₹98.71 crore (28.6% increase)
  • EPS: ₹1.39 vs ₹1.09 (27.5% increase)

Balance Sheet Position (Standalone as of September 30, 2026)

  • Total Assets: ₹7,522.67 crore vs ₹6,191.66 crore (March 31, 2026)
  • Loans: ₹7,007.91 crore vs ₹5,794.01 crore (March 31, 2026)
  • Investments: ₹205.85 crore vs ₹62.05 crore (March 31, 2026)
  • Debt Securities: ₹1,455.69 crore vs ₹1,155.97 crore (March 31, 2026)
  • Borrowings: ₹3,963.35 crore vs ₹3,117.50 crore (March 31, 2026)
  • Equity Share Capital: ₹91.42 crore vs ₹90.96 crore (March 31, 2026)
  • Other Equity: ₹1,823.33 crore vs ₹1,681.96 crore (March 31, 2026)

Capital Raising Activities

During Q2 FY27, the company raised funds through:

Non-Convertible Debentures (NCDs):

  • 9.00% Secured NCDs: ₹79.47 crore (794,737 debentures)
  • 9.15% Secured NCDs: ₹68.18 crore (681,838 debentures)
  • 9.50% Secured NCDs: ₹45.01 crore (450,085 debentures)
  • 9.92% Secured NCDs: ₹24.52 crore (245,160 debentures)
  • 10.00% Secured NCDs: ₹34.76 crore (347,595 debentures)
  • 10.47% Secured NCDs: ₹42.98 crore (429,832 debentures)
  • 12.00% Unsecured NCDs: ₹124.47 crore (12,447 debentures)

Commercial Papers:

  • ₹38.40 crore (800 papers, 169-day maturity)
  • ₹4.82 crore (100 papers, 151-day maturity)
  • ₹14.37 crore (300 papers, 180-day maturity)

Total raised during quarter: ₹443.61 crore

Equity Share Allotment

During the quarter, company allotted 46,27,240 equity shares of Re. 1 each at premium of ₹44.74 per share on conversion of 2,500 Foreign Currency Convertible Bonds (FCCBs) of USD 1,000 each.

Key Financial Ratios (Standalone)

  • Debt-Equity Ratio: 2.83 times
  • Net Worth: ₹1,856.75 crore
  • Current Ratio: 4.55 times
  • Net Profit Margin: 31.93%
  • Net Interest Margin: 6.43%
  • GNPA: 0.66%
  • NNPA: 0.46%
  • Asset Cover for secured debt securities: 1.10 times

Subsidiary Information

Consolidated results include wholly owned subsidiary Nupur Finvest Private Limited, an RBI registered NBFC.

Meeting Details

Board meeting commenced at 09:30 AM and concluded at 10:25 AM on October 22, 2026.