Board approves unaudited results for quarter and half year ended 30 September 2026; auditors' review unmodified
Joint statutory auditors' limited review of the unaudited results for the quarter and half year ended 30 September 2026 carries an unmodified opinion.
By ScoutQuest · · 2 min read
| Line item | Latest | Year ago | YoY | Prev qtr | QoQ |
|---|---|---|---|---|---|
| Revenue from operations | 3,250.57 | 2,748.04 | +18.3% | 3,063.02 | +6.1% |
| Total income | 3,251.09 | 2,748.19 | +18.3% | 3,063.05 | +6.1% |
| Profit before tax | 979.73 | 832.66 | +17.7% | 928.74 | +5.5% |
| Profit after tax | 756.97 | 642.96 | +17.7% | 715.28 | +5.8% |
| Total comprehensive income | 753.27 | 627.38 | +20.1% | 725.71 | +3.8% |
| Basic EPS | 0.91 | 0.77 | +18.2% | 0.86 | +5.8% |
- PAT Growth YoY
- +17.7%
- Period
- Quarter ended 30.09.2026 (Unaudited)
Auditor's review
Conclusion: Unmodified
Notes to the results
- Impairment Reserve of ₹ 25.09 crore has been created as impairment allowance under Ind AS 109 is lower than IRACP norms.
- The Company does not have any subsidiary/associate/joint venture entity(ies), hence consolidation is not applicable.
On 16 October 2026, the Board of Directors approved the company's unaudited financial results for the quarter and half year ended 30 September 2026, prepared as per Indian Accounting Standards (Ind AS). The results are the company's own; it has no subsidiary, associate or joint venture entity.
What the board approved
- Unaudited financial results for the quarter and half year ended 30 September 2026
- The limited review report of the joint statutory auditors, Singhi & Co. and Mukund M. Chitale & Co., submitted with an unmodified opinion
- A security cover certificate, a certificate from the CFO on use of proceeds from the issue of commercial papers, a statement of related party transactions and a press release on the financial performance
Auditors' conclusion
The joint statutory auditors state that nothing has come to their attention that causes them to believe the statement has not disclosed the information required in the manner required, or that it contains any material misstatement. Their report is a limited review, which is narrower in scope than a full audit and is not an audit opinion.
Results (₹ in crore, standalone)
- Total income for the half year ended 30 September 2026: 6,314.14
- Profit after tax for the half year: 1,472.25
- Profit after tax for the quarter ended 30 September 2026: 756.97
- Loans as at 30 September 2026: 1,39,861.92
- Net worth as at 30 September 2026: 24,015.22
Asset quality and buffers
- Gross NPA (stage 3 asset, gross) ratio: 0.29%
- Liquidity coverage ratio: 146.25%
- An Impairment Reserve of ₹ 25.09 crore has been created, where the impairment allowance under Ind AS 109 is lower than the IRACP norms; the difference was appropriated from net profit or loss after tax.
Other points from the notes
- All secured non-convertible debentures of the company, including those issued during the half year ended 30 September 2026, are fully secured by hypothecation of book debts/loan receivables, and the company has maintained asset cover.
- No stressed loan was acquired or transferred during the half year ended 30 September 2026.
- No resolution plans were implemented during the quarter and half year in projects financed on or after 1 October 2025 under the stressed assets framework.
How to read this
- These are unaudited numbers for the quarter and half year, reviewed but not audited by the joint statutory auditors.
- Total income and Profit after tax show the earnings for the period, while Loans and Net worth show the size of the lending book and the cushion behind it.
- The Impairment Reserve is set aside out of profit, so it is worth noting when reading the profit figures.
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More numbers
- Total income, half year ended 30 September 20266,314.14
- Profit after tax, half year ended 30 September 20261,472.25
- Loans as at 30 September 20261,39,861.92
- Net worth as at 30 September 202624,015.22
- Gross NPA (stage 3 asset, gross) ratio0.29%
- Liquidity coverage ratio146.25%
- Impairment Reserve created₹ 25.09 crore
- Total income, latest quarter3,251.09 (₹ in crore)
- Total income, year-ago quarter2,748.19 (₹ in crore)
- Total income, previous quarter3,063.05 (₹ in crore)
- Total comprehensive income, latest quarter753.27 (₹ in crore)
- Total comprehensive income, year-ago quarter627.38 (₹ in crore)
- Total comprehensive income, previous quarter725.71 (₹ in crore)
- Profit after tax, latest quarter756.97 (₹ in crore)
- Profit after tax, year-ago quarter642.96 (₹ in crore)
- Profit after tax, previous quarter715.28 (₹ in crore)
- Revenue from operations, latest quarter3,250.57 (₹ in crore)
- Revenue from operations, year-ago quarter2,748.04 (₹ in crore)
- Revenue from operations, previous quarter3,063.02 (₹ in crore)
- Profit before tax, latest quarter979.73 (₹ in crore)
- Profit before tax, year-ago quarter832.66 (₹ in crore)
- Profit before tax, previous quarter928.74 (₹ in crore)
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