Date: August 11, 2026
Loan Book and Composition
The overall loan book stood at ₹15,990 crores as of June 30, 2026, compared to ₹14,690 crores a year back, registering a growth of 8.9%. The AUM was ₹15,880 crores as of March 30, 2026.
Loan Book Composition:
- Non-salaried segment: 53.5% of outstanding loan book
- Salaried segment: 46.5% of loan book
- Housing loans: 70.8% of total loans
- Home Equity products: 29.2% of outstanding loan book
- 100% of loans are retail loans
Asset Quality
Gross NPA: ₹427 crores as of June 30, 2026 (compared to ₹485 crores as of June 30, 2025, and ₹405 crores as of March 31, 2026)
Net NPA: ₹194 crores as of June 30, 2026 (compared to ₹171 crores as of June 30, 2025, and ₹183 crores as of March 30, 2026)
NPA Ratios:
- Gross NPA ratio: 2.7% (vs 3.3% as of June 30, 2025)
- Net NPA ratio: 1.2% (vs 1.2% as of June 30, 2025)
Provisions: ₹353 crores or 2.2% of total loan assets carried for expected credit losses as required under IND AS
Coverage Ratio: Stage-3 assets carry a coverage ratio of 54.5%
Q1 FY27 vs Q1 FY26 Performance
| Metric | Q1 FY27 | Q1 FY26 | Growth |
| Loan Sanctions | ₹938 crores | ₹907 crores | 3.4% |
| Loan Disbursements | ₹843 crores | ₹829 crores | 1.7% |
| Total Income | ₹468 crores | ₹441 crores | 6.1% |
| Net Interest Income | ₹216 crores | ₹196 crores | 10.2% |
| Net Profit | ₹114 crores | ₹108 crores | 5.6% |
Additional Metrics:
- Loan spread: 3.4%
- Return on assets: 2.9%
- Return on equity: 12.7% (vs 14% in Q1 FY26)
Q1 FY27 vs Q4 FY26 Performance
| Metric | Q1 FY27 | Q4 FY26 | Change |
| Loan Sanctions | ₹938 crores | ₹1,320 crores | -28.9% |
| Loan Disbursements | ₹843 crores | ₹1,186 crores | -28.9% |
| Total Income | ₹468 crores | ₹454 crores | +3.0% |
| Net Interest Income | ₹216 crores | ₹207 crores | +4.3% |
| Net Profit | ₹114 crores | ₹129 crores* | -11.6% |
*Note: Deferred tax liability of ₹14.4 crores in FY 2025-26 (till December 2025) was reversed for the quarter ended March 31, 2026.
Additional Metrics:
- Return on assets: 2.9% (vs 3.4% in Q4 FY26)
- Return on equity: 12.7% (vs 14.9% in Q4 FY26)
Capital Adequacy
The capital adequacy ratio stood at 36.13%, significantly above the minimum requirement of 15% prescribed by the regulator.
Distribution Network
As of June 30, 2026, the Company had:
- 210 branches
- 32 satellite centers
Geographic Presence: Tamil Nadu, Karnataka, Andhra Pradesh, Telangana, Kerala, Maharashtra, Odisha, Gujarat, West Bengal, Madhya Pradesh, Jharkhand, Rajasthan, and the Union Territory of Puducherry.