Unaudited Financial Results (Quarter and Half Year ended 30 September 2026)
Income Statement Highlights:
- Quarter Ended 30-Sep-2026: Total Income ₹5,048.12 lakh, Profit Before Tax ₹530.58 lakh, Profit After Tax ₹338.44 lakh
- Half Year Ended 30-Sep-2026: Total Income ₹10,168.30 lakh, Profit Before Tax ₹1,083.79 lakh, Profit After Tax ₹756.80 lakh
- Revenue Breakdown: Interest Income ₹9,692.52 lakh (H1), Rental Income ₹31.70 lakh (H1), Fees and Commission ₹42.42 lakh (H1)
- Expense Breakdown: Finance Costs ₹5,786.81 lakh (H1), Employee Benefits ₹1,862.69 lakh (H1), Depreciation ₹425.64 lakh (H1)
- Earnings Per Share: Basic ₹1.17 (H1), Diluted ₹1.17 (H1)
Balance Sheet Position (as at 30-Sep-2026):
- Total Assets: ₹1,35,013.62 lakh
- Loans: ₹1,07,259.59 lakh
- Investments: ₹8,114.38 lakh
- Cash and Cash Equivalents: ₹6,478.90 lakh
- Debt Securities: ₹74,675.98 lakh
- Deposits: ₹19,849.43 lakh
- Net Worth: ₹20,592.19 lakh
Key Ratios:
- Debt Equity Ratio: 5.04 (Q2), 5.24 (Q1), 6.21 (Q2 previous year)
- Gross NPA: 4.32%
- Net NPA: 2.14%
- Provision Coverage Ratio: 51.56%
- Capital Adequacy Ratio: 21.63%
- Net Profit Margin: 7.44% (H1)
NCD Redemption Approval
Redemption of NCDs issued on 27 February 2024:
- Option III (ISIN: INE302EQ7656): Principal ₹707.89 lakh, Monthly interest payment, Redemption date 26 February 2027
- Option IV (ISIN: INE302EDQ7599): Principal ₹21,787.01 lakh, Cumulative interest, Redemption date 26 February 2027
- Total Principal Amount: ₹24,494.90 lakh
- Record Date: 12 February 2027 for both ISINs
New NCD Issuance Approval
Public Issue of Secured, Redeemable, Non-Convertible Debentures:
- Base issue size: ₹15,000 lakh
- Green shoe option: ₹15,000 lakh
- Total issue size: ₹30,000 lakh
- Face value: ₹1,000 per NCD
- To be issued in one or more tranches
- Security: Identified immovable property and/or specified hire purchase receivables
Security Cover Certification
- Total outstanding listed NCDs: ₹64,504.29 lakh principal + ₹6,488.09 lakh interest = ₹70,992.38 lakh
- Security cover available: ₹78,153.47 lakh
- Security cover ratio: 1.10 times
- Certified by statutory auditors P N Raghavendra Rao & Co.
Related Party Transactions (Half Year ended 30 September 2026)
- Total of 55 related party transactions disclosed
- Includes rent payments, loans, investments, remuneration, and other transactions
- All transactions approved by audit committee
- Significant transactions include ₹15,000 lakh loan to ABT Industries Limited at 17% interest
Board Meeting Details
- Meeting held on 12 November 2026
- Commenced at 4:30 PM, concluded at 6:55 PM
- All documents reviewed by audit committee and approved by board