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Q2 FY27 results: loan book Rs. 16,425 crores, net profit Rs. 116 crores, GNPA ratio 2.4%

Q2 FY27 unaudited results (IND AS).

By ScoutQuest · Thu 5 Nov 2026, 6:18 PM IST · 3 min read

Loan book

Rs. 16,425 crores, up 9.2% YoY

Net profit

Rs. 116 crores vs Rs. 107 crores

GNPA / NNPA ratio

2.4% vs 3.1%; NNPA 0.8% vs 1.5%

What was reported

The Board of Directors approved the unaudited financial results for the quarter and half year ended 30th September, 2026, prepared as per Indian Accounting Standards (IND AS). The numbers below are the company's own press release figures.

Loan book and portfolio mix

• Overall loan book stood at Rs. 16,425 crores at the end of September 30, 2026, against Rs. 15,033 crores a year back, a growth of 9.2%.
• The AUM was Rs. 15,990 crores as of June 30, 2026.
• Loans to the non-salaried segment accounted for 53.6% of the outstanding loan book and the salaried segment 46.4%.
• Housing loans were 71% of the loan book and Home Equity products 29%. 100% of the loans given by the Company are retail loans.

Asset quality

• GNPA amounted to Rs. 398 crores as of September 30, 2026, against Rs. 475 crores as of September 30, 2025, and Rs. 427 crores as of June 30, 2026.
• NNPA constituted Rs. 135 crores of the loan assets, against Rs. 225 crores a year back and Rs. 194 crores as of June 30, 2026.
• The GNPA ratio stood at 2.4% and the Net NPA ratio at about 0.8%, against 3.1% and 1.5% respectively a year back.
• Provisions for expected credit losses were carried at Rs. 353 crores, or 2.1% of total loan assets, with a Stage-3 coverage ratio of 66%.

Q2 FY27 against Q2 FY26

• Loan sanctions Rs. 1359 crores against Rs. 1205 crores, a growth of 12.7%.
• Loan disbursements Rs. 1205 crores against Rs. 1069 crores, a growth of 12.7%.
• Total income Rs. 481 crores against Rs. 445 crores, a growth of 8%.
• Net interest income Rs. 220 crores against 200 crores, a growth of 10%.
• Net profit Rs. 116 crores against Rs. 107 crores.
• Loan spread was 3.7%; return on assets 2.9% and return on equity 12.6%, against 2.9% and 13.5% a year back.

Q2 FY27 against Q1 FY27

• Loan sanctions Rs. 1,359 crores against Rs. 938 crores, a growth of 44.8%.
• Loan disbursements Rs. 1,205 crores against Rs. 843 crores, a growth of 43%.
• Total income Rs. 481 crores against Rs. 468 crores, a growth of 2.7%.
• Net interest income Rs. 220 crores against Rs. 216 crores; net profit Rs. 116 crores against Rs. 114 crores.
• Return on assets and equity at 2.9% and 12.6%, against 2.9% and 12.7%.

H1 FY27 against H1 FY26

• Loan sanctions Rs. 2,297 crores against Rs. 2,112 crores, a growth of 9%.
• Loan disbursements Rs. 2,048 crores against Rs. 1,898 crores, a growth of 8%.
• Total income Rs. 949 crores against Rs. 885 crores, a growth of 7.2%.
• Net interest income Rs. 436 crores against Rs. 397 crores; net profit Rs. 230 crores against Rs. 215 crores.
• Return on assets and equity at 2.9% and 12.5%, against 2.9% and 13.6%.
• Loan spread was 3.5% against 3.3%.

Capital and reach

• The capital adequacy ratio stood at 37%, against a regulatory minimum of 15%.
• As on September 30, 2026, the network was 210 branches and 32 satellite centres across Tamil Nadu, Karnataka, Andhra Pradesh, Telangana, Kerala, Maharashtra, Odisha, Gujarat, West Bengal, Madhya Pradesh, Jharkhand, Rajasthan and the Union Territory of Puducherry.

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.

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