Summary of Key Information:
Reporting Period (Quarter/Year): Quarter ended June 30, 2026 (Q1 FY27)
Nature of Filing / Announcement: Submission of Unaudited Financial Results (Standalone and Consolidated)
Audit Opinion:
Clean Review Report - The joint statutory auditors issued an unmodified conclusion on both standalone and consolidated financial results.
Key Financial Highlights [₹ in crore]:
Standalone Results:
Revenue from Operations: ₹2,160.41 (Q1 FY27) vs ₹2,070.61 (Q4 FY26) | vs ₹2,255.37 (Q1 FY26)
Total Income: ₹2,160.41 (Q1 FY27) vs ₹2,070.61 (Q4 FY26) | vs ₹2,255.37 (Q1 FY26)
Net Profit: ₹554.50 (Q1 FY27) vs ₹648.70 (Q1 FY26) | vs ₹531.73 (Q4 FY26)
EPS: Basic ₹21.28, Diluted ₹21.22 (not annualized)
Consolidated Results:
Revenue from Operations: Not separately broken out in consolidated statement
Total Income: ₹2,265.36 (Q1 FY27) vs ₹2,171.91 (Q4 FY26) | vs ₹2,252.50 (Q1 FY26)
Net Profit: ₹557.34 (Q1 FY27) vs ₹655.80 (Q1 FY26) | vs ₹533.50 (Q4 FY26)
EPS: Basic ₹21.39, Diluted ₹21.33 (not annualized)
Other Equity:
Standalone Reserves (excluding revaluation reserves) as at March 31: ₹18,965.25 crore
Consolidated Reserves (excluding revaluation reserves) as at March 31: ₹19,793.50 crore
Cash and Cash Equivalents:
Standalone: ₹1,457.20 crore
Consolidated: Not separately disclosed
Debt:
Total Debts to Total Assets: 0.77 (Standalone)
Debt Equity Ratio: 3.72 (Standalone)
Segment-wise Performance:
The company has no separate reportable segments as all activities revolve around housing finance main business.
Corporate Actions:
- The company allotted 40,345 equity shares of ₹10 each pursuant to exercise of stock options/restricted stock units by employees
- No dividend declared in this quarter
- No share split, bonus issue, or buyback announced
Director or Auditor Appointments:
No new appointments or reappointments reported
Secretarial/Statutory Disclosures:
- Security cover certificate issued by M/s M. M. Nissim & Co LLP showing security cover of 1.09 times for listed non-convertible debt securities
- Statement of nil material deviation in use of issue proceeds of non-convertible debentures
- CFO certification regarding utilization of Commercial Paper proceeds
RBI Compliance Disclosures:
Loans Acquired (through assignment):
- Deal 1: ₹42.07 crore, 12.80 years weighted avg residual maturity, 10% retention
- Deal 2: ₹39.57 crore, 12.47 years weighted avg residual maturity, 10% retention
- Deal 3: ₹26.73 crore, 10.73 years weighted avg residual maturity, 10% retention
- Deal 4: ₹38.88 crore, 17.22 years weighted avg residual maturity, 10% retention
Total acquired: ₹147.25 crore
Project Finance Disclosure:
- Projects under implementation at quarter beginning: 1 account, ₹220.53 crore
- Projects sanctioned during quarter: 1 account, ₹25.00 crore
- Projects where DCCO achieved during quarter: 1 account, ₹220.53 crore
- Projects under implementation at quarter end: 1 account, ₹25.00 crore
Co-lending Arrangements:
- Number of CLA Partners: 1
- Number of accounts: 219
- Aggregate principal outstanding: ₹70.57 crore
- Weighted average rate of interest: 10.13%
- Standard loans: ₹69.37 crore, NPA loans: ₹1.20 crore
Other Significant Information:
Labour Codes Implementation:
The company restructured employee compensation effective April 01, 2026 consistent with new Labour Codes, Rules, FAQs and consultant opinion.
Security Receipts Rating:
Infomerics Valuation and Rating Limited rated ACRE 122 TRUST security receipts at IVR RR3 with book value of ₹119.00 crore
Financial Ratios (Standalone):
- Gross NPA: 39.38%
- Net NPA: 0.95%
- CRAR: 0.58%
- Net Profit Margin: 24.59%
- Liquidity Coverage Ratio: 28.26%
Financial Ratios (Consolidated):
- Net Profit Margin: 24.60%
- Other ratios not applicable at consolidated level for housing finance companies
Entities Included in Consolidation:
- PHFL Home Loans and Services Limited (100% subsidiary, included in consolidation)
- Pehel Foundation (100% subsidiary, not considered for consolidation as charitable organization)
Exceptional Items:
Net of reversal of impairment allowance/bad debts including recovery from sale of security receipts amounting to ₹103.49 crore in quarter ended March 31, 2026
Forward-looking Guidance:
No specific guidance or outlook provided in the document.