Key Financial Results (Quarter Ended September 30, 2026)

  • Revenue from operations: ₹176.26 lakh (Interest income: ₹175.40 lakh; Other operating revenue: ₹0.86 lakh)
  • Other income: ₹0.19 lakh
  • Total income: ₹176.45 lakh
  • Total expenses: ₹156.55 lakh (Finance costs: ₹27.66 lakh; Impairment on financial instruments: ₹16.96 lakh; Employee benefit expenses: ₹63.98 lakh; Depreciation and amortization: ₹10.27 lakh; Other expenses: ₹37.68 lakh)
  • Profit before tax: ₹19.30 lakh
  • Tax expense: ₹3.21 lakh (Current tax: ₹7.63 lakh; Deferred tax: ₹(4.42) lakh)
  • Profit for the period: ₹16.69 lakh
  • Other comprehensive income: ₹1.99 lakh
  • Total comprehensive income: ₹18.68 lakh
  • Basic and diluted EPS: ₹0.24 (not annualized)

Comparative Performance (Quarter Ended September 30, 2025)

  • Revenue from operations: ₹182.28 lakh
  • Total income: ₹162.54 lakh
  • Profit before tax: ₹(5.43) lakh (loss)
  • Profit for the period: ₹(3.36) lakh (loss)
  • Basic and diluted EPS: ₹(0.04) (loss)

Half Year Performance (Ended September 30, 2026)

  • Revenue from operations: ₹341.74 lakh
  • Total income: ₹342.11 lakh
  • Profit before tax: ₹37.07 lakh
  • Profit for the period: ₹33.29 lakh
  • Basic and diluted EPS: ₹0.48 (not annualized)

Capital Structure

  • Paid-up equity share capital: ₹700.00 lakh (Face value ₹10 per share)
  • Other equity: ₹4,618.33 lakh (unaudited) as of September 30, 2026

Balance Sheet Highlights (As at September 30, 2026)

  • Total assets: ₹6,956.02 lakh
  • Financial assets: ₹6,449.64 lakh (Cash and cash equivalents: ₹272.33 lakh; Other bank balances: ₹1,196.36 lakh; Housing and other loans: ₹4,963.41 lakh)
  • Total liabilities: ₹1,637.69 lakh
  • Debt securities: ₹1,237.90 lakh
  • Borrowings (other than debt securities): ₹140.91 lakh
  • Total equity: ₹5,318.33 lakh

Cash Flow (Half Year Ended September 30, 2026)

  • Net cash used in operating activities: ₹(69.35) lakh
  • Net cash used in investing activities: ₹0.00 lakh
  • Net cash from financing activities: ₹22.38 lakh
  • Net decrease in cash and cash equivalents: ₹(46.97) lakh
  • Cash and cash equivalents at period end: ₹272.33 lakh

Approval and Review Details

  • Board meeting date: November 13, 2026 (commenced at 11:30 AM, concluded at 1:45 PM)
  • Financial results reviewed by audit committee and approved by Board of Directors
  • Subjected to limited review by statutory auditors B.M. Chaturvedi & Co.

Notes to Financial Results

  • Prepared in accordance with Indian Accounting Standard 34 (Interim Financial Reporting)
  • Company's main business is housing finance activity in India with no separate reportable segments
  • Previous period figures have been restated/regrouped/re-classified where necessary

Auditor's Limited Review Report

  • B.M. Chaturvedi & Co. conducted limited review in accordance with SRE 2410
  • Nothing came to their attention causing belief that the statement contains material misstatement
  • Review provides moderate assurance, substantially less in scope than a full audit