H1 FY27: Net profit up 14% to Rs.543 Crores, loan assets rise 10% to Rs.43,539 crores

Board approved the financials for the quarter and half year ended 30/09/2026.

Fri 9 Oct 2026

Net profit H1

Rs.543 Crores vs Rs.475 crores earlier — up 14%

Loan assets

Rs.43,539 crores vs Rs.39,657 crores — up 10%

Liquidity Coverage Ratio

291.24% vs stipulated 100%

Half-yearly scorecard

• Net profit for the first half of the current fiscal: Rs.543 Crores, against Rs.475 crores in the corresponding previous period, an increase of 14%.
• Profit Before Tax: 686 against 609, up 13%.
• Loan Assets: 43,539 against 39,657, up 10%.

(Table figures are Rs. in crore, comparing H1 FY27 with H1 FY26.)

Key ratios

• Spread: 2.80% against 2.79%
• Net Interest Margin: 3.88% against 3.83%
• ROA: 2.39% against 2.32%
• ROE: 16.91% against 17.40%
• D/E Ratio: 6.09 against 6.61

Loan portfolio and lending

• The Loan portfolio at Sept 2026 stood at Rs.43,539 crores against Rs.39,657 crores as on Sept 2025, recording an increase of 10%.
• Housing Loan (including CRE) constitutes 83% of the Loan book and Non-Housing Loans 17%.
• Loan disbursements for the half year ended Sept 30, 2026 stood at Rs.4,982 crores compared to Rs. 4,560 crores in the corresponding previous period, a 9% growth Year-on-Year.

Provisions

• As per the requirement of Ind AS 109, provision on advances is carried on the basis of ECL; the company is required to carry provisions of Rs.417 crores towards expected credit losses.
• Total provision carried is Rs.525 crores, including Rs. 59 crores as management overlay and Rs. 49 crores under provision for Restructured accounts.

Liquidity and deposits

• Liquidity Coverage Ratio as of 30/09/2026 stood at 291.24%, against the stipulated Ratio of 100%.
• Documented undrawn Bank lines stood at Rs. 2,571 crores, which along with internal accruals is stated to take care of business commitments for the next 3 months.
• The Deposit portfolio stood at Rs. 239 crores. The company is offering 7.50% rate of interest for a 36 months' tenured Cumulative Deposits, with senior citizens earning 0.25% additional rate of interest.
• Ratings mentioned: Fixed Deposit programme rated AAA by ICRA with Stable Outlook; short term borrowings comprising Commercial Papers rated A1+ by CARE and ICRA; Long-Term Debt and Sub Ordinate Debt Instruments rated AAA Stable by CARE and ICRA.

Network and technology

• Geographical presence across India with 274 Branches/Offices spanning 21 States/Union Territories.
• The technology transformation project, TEJAS, has achieved a milestone: all functional applications, technical solutions, infrastructure services and security services are now fully live across the organisation. This covers core LOS, LMS, HRMS, Risk, Deposits and Document Management, on enterprise-grade cloud infrastructure with end-to-end security services and embedded AI capabilities.

The financials were approved by the Board of Directors in their meeting held on 09/10/2026, and the press release covers the quarter and half year ended 30/09/2026.

Nothing here is a view, opinion or recommendation of ScoutQuest, its parent, directors or employees. ScoutQuest is a technology company: this page was assembled automatically from public sources using artificial intelligence, and may contain errors or omissions. Confirm everything against the original source before you act on it. Any use of this page is at your own risk, and neither ScoutQuest nor its parent, directors or employees accepts liability for it.