Key Financial Results (Consolidated)

Quarter Ended September 30, 2026:

  • Total Income: ₹2,423.95 crore
  • Revenue from Operations: ₹2,423.15 crore
  • Interest Income: ₹2,289.20 crore
  • Fees and Commission Income: ₹130.51 crore
  • Net Gain on Fair Value Changes: ₹3.44 crore
  • Finance Cost: ₹1,414.66 crore
  • Impairment on Financial Instruments: (₹47.56) crore (reversal)
  • Profit Before Tax: ₹796.61 crore
  • Total Tax Expense: ₹180.06 crore
  • Net Profit After Tax: ₹616.55 crore
  • Total Comprehensive Income: ₹654.27 crore
  • Basic EPS: ₹23.65
  • Diluted EPS: ₹23.59

Half Year Ended September 30, 2026:

  • Total Income: ₹4,689.31 crore
  • Net Profit After Tax: ₹1,173.89 crore
  • Basic EPS: ₹45.04
  • Diluted EPS: ₹44.92

Key Financial Results (Standalone)

Quarter Ended September 30, 2026:

  • Total Income: ₹2,460.94 crore
  • Revenue from Operations: ₹2,459.69 crore
  • Interest Income: ₹2,276.20 crore
  • Dividend Income: ₹50.00 crore
  • Fees and Commission Income: ₹130.51 crore
  • Net Gain on Fair Value Changes: ₹2.98 crore
  • Finance Cost: ₹1,414.98 crore
  • Impairment on Financial Instruments: (₹47.56) crore (reversal)
  • Profit Before Tax: ₹840.71 crore
  • Total Tax Expense: ₹179.27 crore
  • Net Profit After Tax: ₹661.44 crore
  • Total Comprehensive Income: ₹698.76 crore
  • Basic EPS: ₹25.37
  • Diluted EPS: ₹25.31

Half Year Ended September 30, 2026:

  • Total Income: ₹4,716.31 crore
  • Net Profit After Tax: ₹1,215.94 crore
  • Basic EPS: ₹46.65
  • Diluted EPS: ₹46.53

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

  • Total Assets: ₹1,01,638.10 crore
  • Financial Assets: ₹1,01,294.63 crore
  • Loans: ₹94,124.48 crore
  • Investments: ₹3,708.10 crore
  • Cash and Cash Equivalents: ₹2,004.22 crore
  • Total Liabilities: ₹81,388.91 crore
  • Debt Securities: ₹13,456.79 crore
  • Borrowings: ₹48,396.34 crore
  • Deposits: ₹17,704.04 crore
  • Equity: ₹20,249.19 crore
  • Share Capital: ₹260.80 crore
  • Reserves: ₹19,988.39 crore

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

  • Total Assets: ₹1,01,695.28 crore
  • Financial Assets: ₹1,01,359.49 crore
  • Loans: ₹94,248.28 crore
  • Investments: ₹3,680.15 crore
  • Cash and Cash Equivalents: ₹2,004.13 crore
  • Total Liabilities: ₹81,397.41 crore
  • Debt Securities: ₹13,456.79 crore
  • Borrowings: ₹48,396.34 crore
  • Deposits: ₹17,704.05 crore
  • Equity: ₹20,297.87 crore
  • Share Capital: ₹260.80 crore
  • Reserves: ₹20,037.07 crore

Cash Flow Statements

Consolidated Half Year Ended September 30, 2026:

  • Net Cash Used in Operating Activities: (₹7,725.41) crore
  • Net Cash Used in Investing Activities: (₹949.61) crore
  • Net Cash Generated from Financing Activities: ₹8,196.18 crore
  • Net Decrease in Cash: (₹478.84) crore

Standalone Half Year Ended September 30, 2026:

  • Net Cash Used in Operating Activities: (₹7,801.69) crore
  • Net Cash Used in Investing Activities: (₹873.43) crore
  • Net Cash Generated from Financing Activities: ₹8,196.33 crore
  • Net Decrease in Cash: (₹478.79) crore

Key Ratios and Metrics

Consolidated:

  • Debt Equity Ratio: 3.93
  • Net Worth: ₹20,249.19 crore
  • Net Profit Margin: 25.44% (Q2), 25.03% (H1)
  • Provision Coverage Ratio: 39.98%
  • GNPA: 0.91%
  • NNPA: 0.55%

Standalone:

  • Debt Equity Ratio: 3.92
  • Net Worth: ₹20,297.87 crore
  • Net Profit Margin: 26.88% (Q2), 25.78% (H1)
  • Provision Coverage Ratio: 39.93%
  • GNPA: 0.91%
  • NNPA: 0.55%
  • CRAR: 27.03%
  • Liquidity Coverage Ratio: 155.44%

Subsidiary Information

PHFL Home Loans and Services Limited (100% subsidiary):

  • Total Assets: ₹100.51 crore
  • Total Revenues: ₹74.41 crore (Q2), ₹147.92 crore (H1)
  • Net Profit After Tax: ₹3.21 crore (Q2), ₹7.13 crore (H1)

Corporate Actions

  • Allotted 254,335 equity shares (face value ₹10) during H1 FY2027 pursuant to exercise of stock options/RSUs
  • Trading window to reopen 48 hours after results declaration

Documents Submitted

1. Unaudited Consolidated Financial Results with Limited Review Report (Annexure I)

2. Unaudited Standalone Financial Results with Limited Review Report (Annexure II)

3. Additional disclosure of ratios (Annexure III)

4. Statement of Related Party Transactions (Annexure IV)

5. Security Cover Certificate (Annexure V)

6. Utilization of Issue Proceeds Statement (Annexure VI)

7. CFO Certificate for Commercial Paper proceeds (Annexure VII)