Financial Results Summary

Quarterly Performance (Q4 FY26)

  • Revenue from Operations: ₹502.51 lakhs (Interest Income: ₹453.51 lakhs, Documentation Fees: ₹49.00 lakhs)
  • Other Income: ₹3.35 lakhs
  • Total Revenue: ₹505.86 lakhs
  • Total Expenses: ₹387.22 lakhs (Finance costs: ₹298.06 lakhs, Employee benefits: ₹25.65 lakhs, Depreciation: ₹7.89 lakhs, Other expenses: ₹55.28 lakhs)
  • Profit before tax: ₹118.65 lakhs
  • Tax expense: ₹23.70 lakhs (Current tax: ₹26.00 lakhs, Deferred tax: -₹2.31 lakhs)
  • Net Profit for Q4: ₹94.94 lakhs
  • EPS (Basic & Diluted): ₹1.37

Annual Performance (FY26)

  • Revenue from Operations: ₹1,819.18 lakhs (Interest Income: ₹1,731.58 lakhs, Documentation Fees: ₹87.60 lakhs)
  • Other Income: ₹6.37 lakhs
  • Total Revenue: ₹1,825.55 lakhs
  • Total Expenses: ₹1,376.62 lakhs (Finance costs: ₹1,102.88 lakhs, Employee benefits: ₹92.53 lakhs, Depreciation: ₹29.54 lakhs, Other expenses: ₹151.00 lakhs)
  • Profit before tax: ₹448.93 lakhs
  • Tax expense: ₹111.65 lakhs (Current tax: ₹116.73 lakhs, Earlier years: -₹1.45 lakhs, Deferred tax: -₹3.62 lakhs)
  • Net Profit for FY26: ₹337.28 lakhs
  • EPS (Basic & Diluted): ₹4.85

Comparative Performance

  • Q4 FY26 Net Profit increased to ₹94.94 lakhs from ₹76.45 lakhs in Q4 FY25 (24.2% increase)
  • FY26 Net Profit increased to ₹337.28 lakhs from ₹306.62 lakhs in FY25 (10% increase)
  • Paid-up Equity Share Capital remained unchanged at ₹695.28 lakhs

Dividend Declaration

  • Fourth Interim Dividend declared at ₹0.15 (1.5%) per equity share of face value ₹10 each
  • Record Date: June 5, 2026
  • Dividend payment/dispatch within 30 days from declaration date
  • Total dividend for FY 2025-26: ₹0.60 (6%) per equity share

Management Changes

  • Re-appointment of Mrs. Rachana Singi (DIN: 00166508) as Managing Director for five years effective August 1, 2026, subject to shareholder approval
  • Mrs. Singi is a Chartered Accountant with expertise in strategy, fundraising, and financial markets
  • She is sister of Mrs. Deepika Nath (Non-Executive Director)
  • Not debarred from holding director office by SEBI or any authority

Auditor Appointments

  • Secretarial Auditor: M/s. AVS & Associates, Practicing Company Secretaries (Firm Registration No.: P2016MH54900) appointed for FY 2026-27
  • Internal Auditor: M/s. Chandani Rathod & Co., Chartered Accountants (Firm Registration No.: 158608W) re-appointed for FY 2026-27

Operational Highlights

  • Total Loan Book as of March 31, 2026: ₹116.53 crores
  • During Q4, allotted 260 Secured 12% Non-Convertible Debentures at ₹50,000 per debenture totaling ₹1.30 crores
  • Total Outstanding Secured NCDs as of March 31, 2026: ₹4.93 crores
  • During Q4, allotted 2050 Unsecured Non-Convertible Debentures at ₹100,000 per debenture totaling ₹20.50 crores
  • Total Outstanding Unsecured NCDs as of March 31, 2026: ₹97.40 crores
  • Property investments: ₹12 lakhs during year, total investment in properties ₹97.96 lakhs across 6 properties (only 2 registered)
  • Capital commitment pending: ₹4.32 lakhs

Co-Lending Arrangements

  • Loans originated under CLAs during quarter: ₹2.00 crores
  • Disbursed under CLAs: ₹73.11 lakhs
  • Outstanding CLA portfolio: ₹73.11 lakhs
  • Weighted average interest rate: 18.50%
  • Sector: Real Estate (classified as Standard)
  • Fees received: ₹25.00 lakhs, Fees paid: ₹5.00 lakhs
  • Company's share in CLA: 20%

Financial Position (as of March 31, 2026)

  • Total Assets: ₹1,262.09 lakhs
  • Financial Assets: ₹1,220.26 lakhs (Cash: ₹433.78 lakhs, Receivables: ₹11,646.48 lakhs)
  • Non-Financial Assets: ₹418.32 lakhs
  • Financial Liabilities: ₹10,374.02 lakhs
  • Equity: ₹2,114.59 lakhs

Cash Flow (FY26)

  • Net Cash from Operating Activities: -₹207.49 lakhs
  • Net Cash from Investing Activities: -₹19.92 lakhs
  • Net Cash from Financing Activities: ₹419.46 lakhs
  • Net Increase in Cash: ₹192.05 lakhs