Summary of Key Information:

Reporting Period: Quarter and half year ended September 30, 2026

Nature of Filing / Announcement: Outcome of Board Meeting - Approval of Unaudited Financial Results

Audit Opinion:

Unmodified limited review report issued by joint statutory auditors Deloitte Haskins and Sells and Abarna and Ananthan

Key Financial Highlights [Rs. in Lakh]:

Standalone Results:

Quarter ended September 30, 2026:

  • Revenue from Operations: Not separately specified
  • Total Income: ₹2,44,894 (vs ₹1,93,866 in Q2 FY26 - 26.3% increase)
  • Operating profit before provisions and contingencies: ₹59,369 (vs ₹39,524 in Q2 FY26)
  • Net Profit: ₹36,505 (vs ₹12,172 in Q2 FY26 - 200% increase)
  • EPS (Basic): ₹1.87 (vs ₹0.63 in Q2 FY26)
  • EPS (Diluted): ₹1.84 (vs ₹0.62 in Q2 FY26)

Half year ended September 30, 2026:

  • Total Income: ₹4,72,987 (vs ₹3,80,649 in H1 FY26)
  • Operating profit before provisions and contingencies: ₹1,14,175 (vs ₹75,572 in H1 FY26)
  • Net Profit: ₹68,159 (vs ₹22,494 in H1 FY26)
  • EPS (Basic): ₹3.50 (vs ₹1.16 in H1 FY26)
  • EPS (Diluted): ₹3.44 (vs ₹1.15 in H1 FY26)

Interest Income Breakdown (Q2 FY26):

  • Interest/discount on advances/bills: ₹1,91,488
  • Income on Investments: ₹22,393
  • Interest on balances with RBI and other interbank funds: ₹1,299
  • Others: ₹156

Other Income (Q2 FY26):

₹29,558 (includes processing fees, profit/loss on sale of investments, commission from guarantees, etc.)

Expenditure (Q2 FY26):

  • Interest expended: ₹90,495
  • Operating expenses: ₹95,030
  • Employees cost: ₹51,228
  • Other operating expenses: ₹43,802

Balance Sheet Position as at September 30, 2026:

  • Paid up equity share capital: ₹1,95,106 (Face value ₹10 each)
  • Reserves and surplus: ₹5,48,613
  • Net worth: ₹7,53,191
  • Total deposits: ₹50,64,301
  • Total borrowings: ₹3,02,553
  • Total assets: ₹62,63,529
  • Cash and cash equivalents: ₹2,96,902
  • Advances: ₹44,75,326
  • Investments: ₹13,12,576

Asset Quality Ratios:

  • Gross NPAs: ₹95,510 (2.10% of gross advances vs 2.45% in Q2 FY26)
  • Net NPAs: ₹14,035 (0.31% of net advances vs 0.67% in Q2 FY26)
  • Provision Coverage Ratio: 85.31% (would be 87.47% if full floating provision utilized)

Capital Ratios:

  • Capital Adequacy Ratio: 20.69% (vs 21.36% in Q2 FY26)
  • Return on assets (average): 0.59% (vs 0.25% in Q2 FY26)
  • Debt-equity ratio: 0.28
  • Total debt to total assets: 4.83%

Segment-wise Performance [Rs. in Lakh]:

Segment Revenue (Q2 FY26):

  • Treasury: ₹25,073
  • Retail banking: ₹2,12,621
  • Wholesale banking: ₹7,200

Segment Results (Q2 FY26):

  • Treasury: ₹2,182 profit
  • Retail banking: ₹48,100 profit
  • Wholesale banking: ₹215 profit
  • Unallocated: ₹(1,425) loss

Segment Assets (as at September 30, 2026):

  • Treasury: ₹16,08,462
  • Retail banking: ₹42,70,098
  • Wholesale banking: ₹3,58,099
  • Unallocated: ₹26,870

Corporate Actions:

Not Specified

Other Significant Information:

  • Employee Stock Option Plan: 17,78,22,813 options granted under ESOP 2019
  • During H1 FY27, allotted 83,41,928 equity shares pursuant to exercise of stock options
  • Change in accounting policy: forfeiture of vested options transferred to General Reserve instead of P&L (no material impact)
  • Figures of previous periods regrouped/reclassified for consistency