Q2 FY27 business update: disbursement estimated ~Rs. 16,490 crore, Business Assets Rs. 1,46,300 crore

Q2 FY27 update: disbursement estimated ~Rs.

Fri 2 Oct 2026

Q2 FY27 Disbursement

~Rs. 16,490 crore, up ~22% YoY

Business Assets

~Rs. 1,46,300 crore, up ~15% over September 2025

Collection Efficiency

97%

Stage-3 / Stage-2

Stage-3 estimated 3.35% to 3.45%; Stage-2 4.7% to 4.8%

Liquidity Chest

over Rs. 16,200 crore

The company shared an update on its business for the quarter ended September 30, 2026. The figures below are described as estimates for Q2 FY27.

Lending volumes

• Overall disbursement for Q2 FY27 is estimated at approximately Rs. 16,490 crore, a year-on-year growth of about 22% over the previous year.
• For H1 FY27, disbursement is estimated at approximately Rs. 32,050 crore (excluding finance lease).
• Disbursement is simply the money the company lent out during the period.

Size of the book

• Business Assets are estimated at approximately Rs. 1,46,300 crore, a growth of about 15% over September 2025.
• Business Assets broadly reflect the size of the loan book the company carries.

Collections

• Collection Efficiency is estimated at 97% for Q2 FY27.

Asset quality

• Stage-3 is estimated in the range of 3.35% to 3.45%, against 3.45% as at June 30, 2026 and 3.94% as at September 30, 2025.
• Stage-2 is estimated in the range of 4.7% to 4.8%.
• Stage-2 and Stage-3 are buckets used to classify loans where repayment has slipped; the higher the stage, the greater the stress, and these are shown as a share of the loan book.

Liquidity

• The company reported a liquidity chest of over Rs. 16,200 crore.

What this update is

• It is a set of operating estimates for the quarter — lending volumes, book size, collection trend, asset-quality buckets and liquidity — the main drivers for a lending business.

How to read it

• Disbursement growth of about 22% year on year in Q2 FY27, and Business Assets up about 15% over September 2025, point to a larger book.
• The Stage-3 range is estimated at 3.35% to 3.45%, and Stage-2 at 4.7% to 4.8%.
• A liquidity chest of over Rs. 16,200 crore is stated alongside these numbers.

These are the company's estimates for the quarter.

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