Key Financial Results (Rs. in Lakhs)

Year Ended 31 March 2026 (Audited):

  • Total Revenue from Operations: Rs. 371.21
  • Interest Income: Rs. 367.91
  • Dividend Income: Rs. 0.01
  • Sale of Services: Rs. 3.29
  • Other Income: Rs. 2.28
  • Total Income: Rs. 373.49
  • Total Expenses: Rs. 340.11
  • Finance Costs: Rs. 81.98
  • Fees and Commission Expense: Rs. 58.01
  • Impairment on Financial Instruments: Rs. 26.41
  • Employee Benefits Expenses: Rs. 107.86
  • Depreciation and Amortisation: Rs. 6.11
  • Other Expenses: Rs. 59.74
  • Profit Before Tax: Rs. 33.37
  • Profit for the Year: Rs. 33.37
  • Basic EPS: Rs. 0.67
  • Diluted EPS: Rs. 0.67
  • Paid-up Equity Share Capital: Rs. 505.00 (Face value Rs. 10 per share)

Quarter Ended 31 March 2026 (Audited):

  • Total Revenue from Operations: Rs. 101.87
  • Other Income: Rs. 1.29
  • Total Income: Rs. 103.16
  • Total Expenses: Rs. 90.18
  • Profit Before Tax: Rs. 12.97
  • Profit for the Quarter: Rs. 12.97
  • Basic EPS: Rs. 0.26
  • Diluted EPS: Rs. 0.26

Comparative Financial Performance

Year-over-Year Comparison (31 March 2026 vs 31 March 2025):

  • Total Income increased from Rs. 261.72 to Rs. 373.49
  • Profit for the Year increased from Rs. 17.24 to Rs. 33.37
  • Interest Income increased from Rs. 249.63 to Rs. 367.91

Balance Sheet Position as at 31 March 2026 (Audited)

  • Total Assets: Rs. 1,444.21
  • Financial Liabilities: Rs. 828.27
  • Payables: Rs. 13.65
  • Debt Securities: Rs. 794.60
  • Borrowings: Rs. 20.02
  • Non-financial Liabilities: Rs. 21.82
  • Equity: Rs. 582.18
  • Equity Share Capital: Rs. 505.00
  • Other Equity: Rs. 77.18

Cash Flow Statement for Year Ended 31 March 2026

  • Net Cash Used in Operating Activities: Rs. (216.66)
  • Net Cash Used in Investing Activities: Rs. (7.81)
  • Net Cash from Financing Activities: Rs. 110.20
  • Net Decrease in Cash and Cash Equivalents: Rs. (114.28)
  • Cash and Cash Equivalents at Year End: Rs. 18.35

Key NBFC Ratios and Metrics (Regulation 52(4) Disclosures)

  • Debt-Equity Ratio: 1.40
  • Net Worth: Rs. 575.42
  • Total Debts to Total Assets: 56.41%
  • Net Profit Margin: 8.94%
  • Stage 3 Loan Assets to Gross Loan Assets: 3.48%
  • Net Stage 3 Loan Assets to Gross Loan Assets: 0.35%
  • Capital Adequacy Ratio: 40.87%
  • Provision Coverage Ratio: 90.10%

Regulatory and Governance Information

  • The financial results were reviewed by the Audit Committee and approved by the Board of Directors at their meeting held on 27 May 2026
  • Statutory Auditors: M/s Ayyar & Cherian, Chartered Accountants (Firm Registration No. 000284S)
  • Audit Report issued by: Dijo Philip Mathew (Membership No. 224930)
  • Audit Opinion: Unmodified opinion issued on 27 May 2026
  • Compliance Officer: Sujith K Ravindranath, Company Secretary and Compliance Officer
  • Managing Director: Anto Mekkattukulam Jayson (DIN: 10528274)
  • The company is a Non-Systemically Important Non-Deposit taking Non-Banking Financial Company

Submission Details

  • Initial submission to BSE: 27 May 2026
  • Revised submission: 30 May 2026
  • Regulatory reference: Regulation 33 of SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015
  • The omission of the Statement of Assets and Liabilities was stated to be inadvertent with no changes to the approved financial results