Equity Share Capital: ₹6,470.59 lakhs (Unchanged from previous year)
Other Equity: ₹17,661.48 lakhs (Previous year: ₹16,478.72 lakhs)
Net Worth: ₹24,132.07 lakhs (Previous year: ₹22,949.31 lakhs)
Cash Flow Statement (FY26)
Net Cash from Operating Activities: ₹11,823.55 lakhs
Net Cash Used in Investing Activities: ₹-6,872.98 lakhs
Net Cash from Financing Activities: ₹6,169.24 lakhs
Net Increase in Cash and Cash Equivalents: ₹11,119.81 lakhs
Interest Received: ₹19,497.01 lakhs
Interest Paid: ₹-13,191.58 lakhs
Dividend Declaration
The Board of Directors recommended an equity dividend of 20% per share (₹2 on face value of ₹10)
Total dividend amount: ₹1,294.118 lakhs (₹511.65 lakhs mentioned in notes appears inconsistent with share capital)
Subject to approval of members at the ensuing Annual General Meeting
NCD Redemptions and Security Cover
During the quarter, the company redeemed Options I and II of Rated, Listed, Secured, Redeemable, Non-Convertible Debentures (NCDs) raised by public issue
Redemption amount: ₹2,514.62 lakhs principal + ₹269.77 lakhs interest
Outstanding listed NCDs as of 31 March 2026: ₹74,300.45 lakhs (principal + accrued interest)
Security cover certification shows 1.10 times coverage for outstanding NCDs as required
Assets charged: Standard Loan Receivables of ₹81,926.91 lakhs (book value)
Public Issue Utilization
Public Issue XI (Prospectus dated 1 August 2025) raised ₹150 crores
Funds fully utilized during the quarter for stated objects: onward lending, financing, and repayment/prepayment of existing borrowings
No deviations from stated objects reported
Auditor certification confirms proper utilization of funds
Other Key Disclosures
Segment Information: The company is primarily engaged in financing business with no separate reportable segments
Labour Codes: Implementation of new Labour Codes effective 21 November 2025 assessed with no material impact on financial statements
Subsidiaries/Associates: No subsidiaries, associates, or joint ventures as of 31 March 2026
Related Party Transactions: Disclosed in Annexure C with all transactions approved by audit committee
Previous Period Figures: Regrouped/rearranged/reclassified where necessary to conform to current period presentation
Key Ratios (Regulation 52(4) Disclosures)
Debt Equity Ratio: 5.47 (31 Mar 2026) vs 5.53 (31 Mar 2025)
Net Worth: ₹20,477.89 lakhs (31 Mar 2026) vs ₹19,976.54 lakhs (31 Mar 2025)
Net Profit Margin: 11.38% (FY26) vs 7.74% (FY25)
GNPA %: 4.76% (31 Mar 2026) vs 4.92% (31 Mar 2025)
NNPA %: 2.25% (31 Mar 2026) vs 2.39% (31 Mar 2025)
Provision Coverage Ratio: 53.93% (31 Mar 2026) vs 52.66% (31 Mar 2025)
Capital Adequacy Ratio: 20.45% (31 Mar 2026) vs 18.63% (31 Mar 2025)
Approval and Authentication
Financial results reviewed by Audit Committee and approved by Board of Directors on 23 May 2026
Audited by M/s P N Raghavendra Rao & Co., Chartered Accountants
Signed by S Venkatesh, Company Secretary and Chief Compliance Officer
Countersigned by K Sundaramurthy, Chief Financial Officer
