Key Financial Figures - Quarter Ended September 30, 2026 (Unaudited)

  • Total Income: ₹5,301.67 crores
  • Revenue from Operations: ₹5,140.53 crores
  • Interest Income: ₹2,510.99 crores
  • Fees and Commission Income: ₹2,434.02 crores
  • Sale of Services: ₹7.40 crores
  • Business Development Incentive Income: ₹187.57 crores
  • Insurance Commission Income: ₹0.55 crores
  • Other Income: ₹161.14 crores
  • Total Expenses: ₹4,255.95 crores
  • Finance Costs: ₹787.27 crores
  • Fees and Commission Expenses: ₹334.23 crores
  • Impairment on Financial Instruments: ₹819.37 crores
  • Employee Benefits Expenses: ₹180.68 crores
  • Depreciation, Amortisation and Impairment: ₹32.54 crores
  • Operating and Other Expenses: ₹2,101.86 crores
  • Profit Before Tax: ₹1,045.72 crores
  • Tax Expense: ₹268.12 crores
  • Current Tax Charge: ₹278.94 crores
  • Deferred Tax Credit: ₹(10.82) crores
  • Profit After Tax: ₹777.60 crores
  • Other Comprehensive Income: ₹1.48 crores
  • Total Comprehensive Income: ₹779.08 crores
  • Earnings Per Share (Face Value ₹10):
  • Basic: ₹8.17
  • Diluted: ₹8.17

Key Financial Figures - Half Year Ended September 30, 2026 (Unaudited)

  • Total Income: ₹10,505.12 crores
  • Profit Before Tax: ₹1,938.87 crores
  • Tax Expense: ₹496.81 crores
  • Profit After Tax: ₹1,442.06 crores
  • Total Comprehensive Income: ₹1,444.42 crores
  • Earnings Per Share (Face Value ₹10):
  • Basic: ₹15.15
  • Diluted: ₹15.15

Balance Sheet Highlights as at September 30, 2026 (Unaudited)

  • Total Assets: ₹71,102.31 crores
  • Financial Assets: ₹69,043.25 crores
  • Cash and Cash Equivalents: ₹3,560.99 crores (includes ₹0.74 crores in Escrow for IPO expenses)
  • Loans: ₹56,532.02 crores
  • Investments: ₹7,979.81 crores
  • Non-Financial Assets: ₹2,059.06 crores
  • Total Liabilities: ₹53,930.23 crores
  • Financial Liabilities: ₹51,843.57 crores
  • Borrowings (other than debt securities): ₹41,519.33 crores
  • Debt Securities: ₹2,855.95 crores
  • Subordinated Liabilities: ₹3,474.74 crores
  • Non-Financial Liabilities: ₹2,086.66 crores
  • Total Equity: ₹17,172.08 crores
  • Equity Share Capital: ₹951.64 crores
  • Other Equity: ₹16,220.44 crores

Key Metrics and Ratios

  • Gross NPA (Stage 3): 1.90% (vs 2.41% as at March 31, 2026)
  • Net NPA (Stage 3): 0.77% (vs 1.04% as at March 31, 2026)
  • Total Expected Credit Loss Allowance: ₹1,844.26 crores (vs ₹1,941.87 crores as at March 31, 2026)
  • Capital Adequacy Ratio: 26.47%
  • Debt Equity Ratio: 2.77
  • Net Worth: ₹17,243.59 crores
  • Total Debts to Total Assets: 14.67%
  • Net Profit Margin: 13.73%

Additional Impairment Provision

The Company made an additional impairment provision of ₹30 crores during Q2 FY27 over the ECL model provision, due to uncertain macroeconomic environment from prolonged geo-political tensions. The cumulative additional provision stands at ₹100 crores as of September 30, 2026 (₹70 crores as of June 30, 2026; ₹220 crores as of March 31, 2026).

Employee Stock Option Scheme (ESOP)

During the quarter and half year ended September 30, 2026, the Company allotted 29,275 and 43,532 equity shares respectively (face value ₹10 each) pursuant to exercise of options under the approved ESOP scheme. This increased the paid-up equity capital to ₹951.64 crores as of September 30, 2026 (from ₹951.60 crores as of March 31, 2026).

Labour Code Impact

The Company recognized an estimated increase in provision for employee benefits for past services amounting to ₹27 crores under Employee Benefit expenses during the quarter ended June 30, 2026, due to implementation of New Labour Codes.

Other Information

  • Board meeting held on October 23, 2026 (12:00 p.m. to 02:21 p.m.)
  • Results uploaded on BSE, NSE, and company website
  • Previous periods' figures regrouped/reclassified where necessary

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