1. Board-approved lending policy - A structured lending policy was adopted on 10 November 2025, covering borrower validation, financial review, earning-potential assessment, and risk analysis. A formalised credit framework can accelerate loan origination and improve asset quality, directly supporting the core interest-income line.
2. Capital adequacy headroom - Tier I CRAR rose to 57.59% as of March 2025 from 42.03% a year earlier, while total borrowings halved to ₹106 cr from ₹186 cr. A capital base that is more than five times the regulatory floor gives the company ample room to gear up the balance sheet when lending opportunities arise.
3. Funding diversification and contingency plan - The company has a documented strategy to diversify funding sources and tenors, plus a contingency funding plan that estimates drawable amounts under severe disruption scenarios. Readier access to multiple funding channels reduces the risk of a liquidity squeeze interrupting loan-book growth.
4. Associate earnings contribution - Consolidated PAT including the share of profit from associate Sushree Trading Limited rose to ₹1.43 cr in FY26 from ₹0.81 cr in FY25. A growing contribution from the associate adds a second, uncorrelated earnings stream to the standalone lending income.