Key Quantitative Figures - Profit & Loss (₹ in Lakhs)

For the Quarter Ended March 31, 2026 (Audited):

  • Total Revenue from Operations: ₹1,097
  • Other Income: ₹1
  • Total Income: ₹1,098
  • Total Expenses: ₹394
  • Profit Before Tax: ₹704
  • Tax Expense: ₹191
  • Net Profit for the Period: ₹513
  • Other Comprehensive Income: (₹98)
  • Total Comprehensive Income: ₹415
  • Basic & Diluted EPS: ₹1.66

For the Year Ended March 31, 2026 (Audited):

  • Total Revenue from Operations: ₹4,105
  • Other Income: ₹5
  • Total Income: ₹4,110
  • Total Expenses: ₹1,551
  • Profit Before Tax: ₹2,559
  • Tax Expense: ₹611
  • Net Profit for the Year: ₹1,948
  • Other Comprehensive Income: (₹51)
  • Total Comprehensive Income: ₹1,897
  • Basic & Diluted EPS: ₹6.31

Comparative Figures (Year Ended March 31, 2025 - Audited):

  • Net Profit: ₹1,600
  • Basic & Diluted EPS: ₹17.29

Revenue Breakdown (Year Ended March 31, 2026)

  • Income from Retail Finance: ₹4,058 Lakhs
  • Service Charges: ₹32 Lakhs
  • Capital Gain: ₹15 Lakhs

Expense Breakdown (Year Ended March 31, 2026)

  • Finance Costs: ₹515 Lakhs
  • Employees Benefit Expenses: ₹479 Lakhs
  • Administrative & Other Expenses: ₹544 Lakhs
  • Depreciation and amortisation expense: ₹13 Lakhs

Balance Sheet Highlights (as of March 31, 2026)

  • Total Assets: ₹23,223 Lakhs (Previous Year: ₹19,535 Lakhs)
  • Financial Assets: ₹22,668 Lakhs (includes Cash & Equivalents ₹126 Lakhs, Loans ₹21,526 Lakhs)
  • Property, Plant & Equipment: ₹433 Lakhs
  • Borrowings (Other than Debt Securities): ₹5,609 Lakhs
  • Total Equity: ₹17,198 Lakhs (Equity Share Capital: ₹3,089 Lakhs; Other Equity: ₹14,109 Lakhs)

Cash Flow Statement (Year Ended March 31, 2026)

  • Net Cash From Operating Activities: (₹1,975) Lakhs
  • Net Cash From Investing Activities: ₹495 Lakhs
  • Net Cash From Financing Activities: ₹1,740 Lakhs
  • Net Increase in Cash & Equivalents: ₹262 Lakhs
  • Closing Cash & Cash Equivalents: ₹628 Lakhs

Dividend Declaration

The Board of Directors has recommended a final dividend of 5% (i.e., ₹0.50 per equity share of face value ₹10 each) for FY26. This dividend is payable on the increased share capital resulting from a bonus issue completed in June 2025. The payment is subject to approval by shareholders at the ensuing Annual General Meeting.

Capital Structure

  • Paid-up equity share capital as of March 31, 2026, is ₹3,089 Lakhs (face value ₹10 per share), increased from ₹772 Lakhs in the previous year due to the bonus issue.

Notes to Financial Results

1. The financial results are prepared in accordance with Indian Accounting Standards (Ind AS).

2. The results were reviewed by the Audit Committee and approved by the Board on May 28, 2026.

3. The Statutory Auditors, Vora & Associates, have issued an unmodified opinion on the results.

4. The company operates in a single reportable segment: Retail Finance.

5. The company issued listed debentures of ₹1,950 Lakhs on April 15, 2026, carrying an interest rate of 12% p.a.

6. EPS figures for all earlier periods have been restated as per Ind AS 33 due to the bonus issue.

Board Meeting Details

The meeting of the Board of Directors commenced at 5:30 PM and concluded at 9:25 PM on May 28, 2026.