Profit After Tax (PAT): ₹308 crore, an increase of 20.8% quarter-on-quarter (QoQ) from ₹255 crore in Q4FY26.
Pre-Provision Operating Profit (PPOP): Increased by 12.9% QoQ.
Net Interest Income (NII) including fees and other income: ₹1,415 crore, representing growth of 84.3% year-on-year (YoY).
Gross NPA: 1.37%, an improvement of 7 basis points (bps) QoQ and 47 bps YoY.
Net NPA: 0.70%.
Provision Coverage Ratio (PCR): 49.11%.
Credit Cost (% of Avg. AUM): 2.40%.
Return on Assets (RoA): 1.98% for Q1FY27.
Total Borrowings (as of June 30, 2026): ₹49,866 crore.
Liquidity (as of June 30, 2026): ₹4,012 crore in cash, cash equivalents, and undrawn bank lines.
Asset Under Management (AUM): Diversified portfolio detailed across products.
Gold Loan Branches: Successfully expanded to 460 branches.
Business and Operational Highlights
New Product Contribution: New products (PL Prime, Gold Loan, Consumer Durable Loan, Commercial Vehicle Loan, Education Loan, Shopkeeper Loan) contributed 26% to total disbursement and 16% to AUM.
Secured Mix: Secured on-book mix stood at 53%.
Sourcing: Omni-channel sourcing mix includes DSA, digital, tele-calling, and in-house sales team.
Borrowings & Capital: During Q1FY27, raised ₹1,155 crore through NCD (including Sub-debt NCD) to increase long-term borrowings; NCD contribution is ~32% of borrowings.
Credit Rating: Maintains the highest rating of AAA for long-term instruments and A1+ for short-term instruments.
Cost Ratios: Opex to Average AUM improved QoQ to 4.06%; cost to income improved QoQ to 44.6%.
AI and Digital Strategy
The company is implementing 101 AI solutions, with 50 successfully delivered and 51 underway as of the presentation date.
These solutions span various functions including HR, Credit & Risk, Customer Service, Collections, Finance, and Operations aimed at improving risk efficiency, productivity, and customer experience.
The company received the Technology Senate Award 2025 by Indian Express Group and Express Computer.
Management and Governance
The presentation includes details of the Board of Directors, led by Chairman Mr. Adar Poonawalla, and the deeply experienced management team led by MD & CEO Mr. Arvind Kapil.
The second line of management is also detailed, ensuring operational excellence.
The company emphasizes its vision to be the "Most Trusted Financial Services brand" and its mission to help customers succeed financially.
ESG Initiatives
Environmental: Head office operates from a Platinum-certified Green Building; procured renewable energy; implemented energy efficiency upgrades; tree planting initiative (4,000+ trees in FY25-26).
Social: Community initiatives through Green Help Foundation and Angel Charitable Trust focused on health, education, and livelihoods; supported the IIT Bombay Breakthrough Research Initiative in Life Sciences & Bioengineering.
Governance: Commitment to strong governance, compliance, financial integrity, and ethical conduct.
Shareholding Pattern
The shareholding pattern for the quarter ending June 2026 is included in the presentation.
