Q2FY27 business update: AUM up 26% Y-o-Y to 7,604 Cr, PAR X improves to 6.88%, GNPA 4.30%

Q2FY27 update: AUM up 26% Y-o-Y to 7,604 Cr; disbursements 1,403 Cr; borrowers 6,94,943.

Thu 8 Oct 2026

AUM

up 26% Y-o-Y to 7,604 Cr

Disbursements (Q2FY27)

1,403 Cr

Asset Quality

PAR X 6.88%, GNPA 4.30%

Business update for the quarter ended September 30, 2026

The update presents the company's key business highlights for Q2FY27. The company states the information is provisional and subject to review by its statutory auditors and approval from the Audit Committee and Board of Directors.

Loan portfolio

• Assets under management (AUM) stood at 7,604 Cr, up 26% year-on-year.
• Disbursements during the quarter were 1,403 Cr.
• Total borrowers stood at 6,94,943.
• For the first half of FY27, disbursements were 2,622 Cr.

Asset quality

• PAR X, which the update defines as total overdue across all DPD buckets, was 6.88%.
• GNPA was 4.30%.
• Both measures were lower than a year earlier and also lower than the preceding quarter, which the company describes as an improvement in asset quality.

Collections

• Non-overdue collection efficiency was 99.2%, in line with the preceding quarter and higher than a year earlier.
• The update also tracks collection efficiency for overdue cases below 30 DPD (called Bucket 1), which eased from the preceding quarter.

Productivity and management commentary

• The company said its two priorities for FY27 were consistent improvement in asset quality and productivity, and that it made steady progress on both during the quarter.
• It said AUM per employee improved year-on-year.
• It said it took a calibrated approach to growth and moderated disbursements in drought-affected parts of Maharashtra, Karnataka and Madhya Pradesh. Provided delinquency trends remain stable, it expects to return to normalised disbursements in these regions in H2FY27.
• With the seasonally stronger second half ahead, it said it remains firmly on track to deliver on all parameters of its FY27 guidance, and expects the asset quality and productivity trends to sustain through H2FY27.

What a retail investor may note

• The update is a business update on operating metrics, and the company states the data is provisional and subject to audit review and Board approval.
• It combines growth in the loan book and borrower base with lower reported PAR X and GNPA than the preceding quarter and the year-ago quarter.
• The commentary on drought-affected regions indicates disbursement growth in those areas was deliberately moderated this quarter, with a return to normal levels expected in H2FY27 if delinquency trends hold.

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