Key Financial Performance (₹ in Lakhs)

Revenue Performance:

  • Total Revenue from Operations: ₹5,395.00 (Q1 FY27) vs ₹4,262.64 (Q1 FY26)
  • Interest Income: ₹5,092.82 (Q1 FY27) vs ₹3,713.05 (Q1 FY26)
  • Fees and Commission Income: ₹97.41 (Q1 FY27) vs ₹189.96 (Q1 FY26)
  • Other Operating Income: ₹172.22 (Q1 FY27) vs ₹254.38 (Q1 FY26)

Expense Breakdown:

  • Finance Costs: ₹2,389.38 (Q1 FY27) vs ₹1,675.14 (Q1 FY26)
  • Employee Benefits Expenses: ₹1,406.36 (Q1 FY27) vs ₹1,159.33 (Q1 FY26)
  • Impairment of Financial Instruments (Expected Credit Loss): ₹9.33 (Q1 FY27) vs ₹58.66 (Q1 FY26)
  • Depreciation and Amortization: ₹123.17 (Q1 FY27) vs ₹143.61 (Q1 FY26)
  • Other Expenses: ₹473.21 (Q1 FY27) vs ₹448.02 (Q1 FY26)

Profitability:

  • Profit Before Tax: ₹1,001.11 (Q1 FY27) vs ₹784.90 (Q1 FY26)
  • Current Tax: ₹178.67 (Q1 FY27) vs ₹145.33 (Q1 FY26)
  • Deferred Tax: (₹24.75) (Q1 FY27) vs (₹38.56) (Q1 FY26)
  • Net Profit for the Period: ₹847.19 (Q1 FY27) vs ₹678.13 (Q1 FY26)
  • Total Comprehensive Income: ₹849.28 (Q1 FY27) vs ₹679.32 (Q1 FY26)

Per Share Data:

  • Basic EPS: ₹5.39 (Q1 FY27) vs ₹4.33 (Q1 FY26)
  • Diluted EPS: ₹5.39 (Q1 FY27) vs ₹4.32 (Q1 FY26)
  • Paid-up Equity Share Capital: ₹1,570.62 lakhs (Face value ₹10 per share)

Regulatory Compliance and Disclosures

The filing is made pursuant to Regulations 30, 51, 52 and other applicable provisions of SEBI LODR Regulations, 2015, read with SEBI Circular No. SEBI/HO/CFD/CFD-PoD-2/CIR/P/2024/185 dated December 31, 2024, and exchange circulars.

Key Regulatory Disclosures:

  • No deviation or variation in proceeds of public issue, rights issue, preferential issue
  • No outstanding defaults on loans and debt securities
  • Company maintained security cover of 110% for principal and interest on listed NCDs as per offer document/Debenture Trust Deed
  • Debt-Equity Ratio: 2.92
  • Interest Service Coverage Ratio: 1.42
  • Net Worth: ₹305.54 crores
  • Total Debts to Total Assets: 73.18%
  • Operating Margin: 18.59%
  • Net Profit Margin: 15.68%
  • Outstanding Debt: ₹892.89 crores

Corporate Actions

During the quarter ended June 30, 2026, the company allotted 4,400 equity shares to employees pursuant to exercise of ESOPs at a price of ₹200 per share.

Business Segment Information

The main business of the Company is providing loans for purchase/construction/repairs and renovation of residential houses/flats/colonies. There are no separate reportable segments as specified in AS-17.

Subsidiary and Associate Information

The Company does not have any Subsidiary/Associate/Joint venture Company. Accordingly, consolidated financial results are not applicable.

Auditor Certification

Valawat & Associates, Chartered Accountants (FRN: 003623C) conducted a limited review and issued an unmodified conclusion. They also certified that the company maintained the required security cover of 110% for listed NCDs and complied with all covenants mentioned in the disclosure documents.

Security Cover Details

The security cover statement shows:

  • Property, Plant and Equipment: ₹856.18 lakhs
  • Right of Use Assets: ₹1,054.74 lakhs
  • Intangible Assets: ₹9.44 lakhs
  • Total Borrowings (FI and NHB): ₹49,666.09 lakhs
  • Bank Borrowings: ₹33,095.51 lakhs
  • Total Cover Value: ₹1,22,014.38 lakhs