| Quarter | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 | Jun 2026 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 5,219 | 5,552 | 5,860 | 6,024 | 6,078 | 6,220 | 6,745 | 6,436 | 6,537 | 6,652 | 6,656 | 6,996 | |
Growth YoY Revenue Growth YoY% | 24.7 | 20.0 | 17.5 | 15.3 | 16.5 | 12.0 | 15.1 | 6.8 | 7.5 | 6.9 | -1.3 | 8.7 |
Interest Expended Interest ExpendedCr | 3,302 | 3,564 | 3,672 | 3,770 | 3,778 | 3,842 | 4,046 | 4,033 | 4,004 | 4,006 | 4,042 | 4,188 |
Expenses ExpensesCr | 1,924 | 2,072 | 2,507 | 2,227 | 2,355 | 2,567 | 3,055 | 2,454 | 2,392 | 2,360 | 2,076 | 1,920 |
| -7 | -84 | -319 | 27 | -54 | -190 | -356 | -51 | 141 | 286 | 538 | 889 | |
FPM FPM% | -0.1 | -1.5 | -5.5 | 0.5 | -0.9 | -3.0 | -5.3 | -0.8 | 2.1 | 4.3 | 8.1 | 12.7 |
| 647 | 861 | 1,125 | 835 | 993 | 1,186 | 1,392 | 997 | 884 | 869 | 709 | 1,686 | |
Depreciation DepreciationCr | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
PBT PBTCr | 640 | 777 | 806 | 862 | 939 | 996 | 1,036 | 946 | 1,025 | 1,155 | 1,247 | 2,575 |
| 238 | 274 | 280 | 312 | 336 | 357 | 384 | 339 | 405 | 416 | 446 | 1,919 | |
| 402 | 503 | 526 | 551 | 603 | 639 | 652 | 607 | 620 | 740 | 801 | 656 | |
Growth YoY PAT Growth YoY% | -20.4 | -23.0 | -9.5 | 146.5 | 50.1 | 27.1 | 24.1 | 10.3 | 2.8 | 15.8 | 22.8 | 8.1 |
NPM NPM% | 7.7 | 9.1 | 9.0 | 9.2 | 9.9 | 10.3 | 9.7 | 9.4 | 9.5 | 11.1 | 12.0 | 9.4 |
| 0.3 | 0.4 | 0.4 | 0.5 | 0.5 | 0.5 | 0.5 | 0.5 | 0.5 | 0.6 | 0.6 | 0.5 | |
| Quarter | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 | Jun 2026 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 5,219 | 5,552 | 5,860 | 6,024 | 6,078 | 6,220 | 6,745 | 6,436 | 6,537 | 6,652 | 6,656 | 6,996 | |
Growth YoY Revenue Growth YoY% | 24.7 | 20.0 | 17.5 | 15.3 | 16.5 | 12.0 | 15.1 | 6.8 | 7.5 | 6.9 | -1.3 | 8.7 |
Interest Expended Interest ExpendedCr | 3,302 | 3,564 | 3,672 | 3,770 | 3,778 | 3,842 | 4,046 | 4,033 | 4,004 | 4,006 | 4,042 | 4,188 |
Expenses ExpensesCr | 1,924 | 2,072 | 2,507 | 2,227 | 2,355 | 2,567 | 3,055 | 2,454 | 2,392 | 2,360 | 2,076 | 1,920 |
| -7 | -84 | -319 | 27 | -54 | -190 | -356 | -51 | 141 | 286 | 538 | 889 | |
FPM FPM% | -0.1 | -1.5 | -5.5 | 0.5 | -0.9 | -3.0 | -5.3 | -0.8 | 2.1 | 4.3 | 8.1 | 12.7 |
| 647 | 861 | 1,125 | 835 | 993 | 1,186 | 1,392 | 997 | 884 | 869 | 709 | 1,686 | |
Depreciation DepreciationCr | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
PBT PBTCr | 640 | 777 | 806 | 862 | 939 | 996 | 1,036 | 946 | 1,025 | 1,155 | 1,247 | 2,575 |
| 238 | 274 | 280 | 312 | 336 | 357 | 384 | 339 | 405 | 416 | 446 | 1,919 | |
| 402 | 503 | 526 | 551 | 603 | 639 | 652 | 607 | 620 | 740 | 801 | 656 | |
Growth YoY PAT Growth YoY% | -20.4 | -23.0 | -9.5 | 146.5 | 50.1 | 27.1 | 24.1 | 10.3 | 2.8 | 15.8 | 22.8 | 8.1 |
NPM NPM% | 7.7 | 9.1 | 9.0 | 9.2 | 9.9 | 10.3 | 9.7 | 9.4 | 9.5 | 11.1 | 12.0 | 9.4 |
| 0.3 | 0.4 | 0.4 | 0.5 | 0.5 | 0.5 | 0.5 | 0.5 | 0.5 | 0.6 | 0.6 | 0.5 | |
| Financial Year | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
Revenue RevenueCr | 18,561 | 16,326 | 14,020 | 14,331 | 15,134 | 14,446 | 14,981 | 17,651 | 21,854 | 25,067 | 26,281 | 26,841 |
Growth Revenue Growth% | -4.1 | -12.0 | -14.1 | 2.2 | 5.6 | -4.5 | 3.7 | 17.8 | 23.8 | 14.7 | 4.8 | 5.3 |
Interest Expended Interest ExpendedCr | 13,713 | 12,509 | 10,895 | 10,019 | 10,042 | 8,966 | 8,508 | 10,307 | 13,754 | 15,437 | 16,085 | 16,240 |
Expenses ExpensesCr | 10,768 | 6,789 | 8,521 | 12,753 | 11,539 | 8,845 | 7,658 | 6,729 | 8,517 | 9,892 | 8,910 | 8,748 |
| -5,920 | -2,972 | -5,396 | -8,441 | -6,446 | -3,365 | -1,185 | 614 | -416 | -262 | 1,286 | 1,854 | |
FPM FPM% | -31.9 | -18.2 | -38.5 | -58.9 | -42.6 | -23.3 | -7.9 | 3.5 | -1.9 | -1.0 | 4.9 | 6.9 |
| 1,596 | 2,114 | 1,121 | 1,514 | 2,871 | 3,424 | 3,101 | 2,508 | 3,266 | 4,407 | 3,460 | 4,149 | |
Depreciation DepreciationCr | 137 | 153 | 152 | 137 | 137 | 134 | 165 | 218 | 281 | 311 | 372 | 0 |
PBT PBTCr | -4,460 | -1,011 | -4,427 | -7,065 | -3,713 | -75 | 1,750 | 2,905 | 2,569 | 3,834 | 4,373 | 6,002 |
| -1,661 | 840 | 9 | -2,744 | -1,276 | -243 | 821 | 1,043 | 915 | 1,389 | 1,606 | 3,185 | |
PAT PATCr | -2,799 | -1,851 | -4,436 | -4,321 | -2,437 | 167 | 930 | 1,862 | 1,654 | 2,445 | 2,768 | 2,817 |
Growth PAT Growth% | -346.0 | 33.9 | -139.7 | 2.6 | 43.6 | 106.8 | 456.6 | 100.3 | -11.2 | 47.9 | 13.2 | 12.6 |
NPM NPM% | -15.1 | -11.3 | -31.6 | -30.1 | -16.1 | 1.2 | 6.2 | 10.6 | 7.6 | 9.8 | 10.5 | 10.5 |
| -26.0 | -13.3 | -25.2 | -11.2 | -3.1 | 0.2 | 0.8 | 1.6 | 1.4 | 2.0 | 2.2 | 2.2 |
| Financial Year | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
Revenue RevenueCr | 18,561 | 16,326 | 14,020 | 14,331 | 15,134 | 14,446 | 14,981 | 17,651 | 21,854 | 25,067 | 26,281 | 26,841 |
Growth Revenue Growth% | -4.1 | -12.0 | -14.1 | 2.2 | 5.6 | -4.5 | 3.7 | 17.8 | 23.8 | 14.7 | 4.8 | 5.3 |
Interest Expended Interest ExpendedCr | 13,713 | 12,509 | 10,895 | 10,019 | 10,042 | 8,966 | 8,508 | 10,307 | 13,754 | 15,437 | 16,085 | 16,240 |
Expenses ExpensesCr | 10,768 | 6,789 | 8,521 | 12,753 | 11,539 | 8,845 | 7,658 | 6,729 | 8,517 | 9,892 | 8,910 | 8,748 |
| -5,920 | -2,972 | -5,396 | -8,441 | -6,446 | -3,365 | -1,185 | 614 | -416 | -262 | 1,286 | 1,854 | |
FPM FPM% | -31.9 | -18.2 | -38.5 | -58.9 | -42.6 | -23.3 | -7.9 | 3.5 | -1.9 | -1.0 | 4.9 | 6.9 |
| 1,596 | 2,114 | 1,121 | 1,514 | 2,871 | 3,424 | 3,101 | 2,508 | 3,266 | 4,407 | 3,460 | 4,149 | |
Depreciation DepreciationCr | 137 | 153 | 152 | 137 | 137 | 134 | 165 | 218 | 281 | 311 | 372 | 0 |
PBT PBTCr | -4,460 | -1,011 | -4,427 | -7,065 | -3,713 | -75 | 1,750 | 2,905 | 2,569 | 3,834 | 4,373 | 6,002 |
| -1,661 | 840 | 9 | -2,744 | -1,276 | -243 | 821 | 1,043 | 915 | 1,389 | 1,606 | 3,185 | |
PAT PATCr | -2,799 | -1,851 | -4,436 | -4,321 | -2,437 | 167 | 930 | 1,862 | 1,654 | 2,445 | 2,768 | 2,817 |
Growth PAT Growth% | -346.0 | 33.9 | -139.7 | 2.6 | 43.6 | 106.8 | 456.6 | 100.3 | -11.2 | 47.9 | 13.2 | 12.6 |
NPM NPM% | -15.1 | -11.3 | -31.6 | -30.1 | -16.1 | 1.2 | 6.2 | 10.6 | 7.6 | 9.8 | 10.5 | 10.5 |
| -26.0 | -13.3 | -25.2 | -11.2 | -3.1 | 0.2 | 0.8 | 1.6 | 1.4 | 2.0 | 2.2 | 2.2 |
| Financial Year | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | Jun 2026 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
Equity Capital Equity CapitalCr | 1,076 | 1,560 | 2,308 | 5,423 | 9,918 | 9,918 | 11,956 | 11,956 | 11,956 | 12,540 | 12,540 | 12,540 |
Reserves ReservesCr | 10,511 | 10,044 | 7,517 | 8,371 | 9,291 | 10,088 | 11,638 | 13,809 | 15,401 | 18,465 | 20,710 | 21,489 |
Deposits DepositsCr | 2,07,118 | 2,01,285 | 1,81,849 | 1,97,907 | 1,93,203 | 2,05,919 | 2,24,073 | 2,49,338 | 2,63,130 | 2,93,542 | 3,27,563 | 3,32,315 |
Borrowings BorrowingsCr | 17,240 | 9,535 | 12,449 | 8,324 | 15,695 | 15,383 | 13,508 | 20,501 | 25,331 | 28,687 | 23,310 | 24,868 |
Other Liabilities Other LiabilitiesCr | 8,937 | 8,917 | 11,932 | 10,459 | 7,800 | 12,028 | 6,609 | 5,260 | 7,873 | 9,247 | 11,737 | 9,221 |
Total Liabilities Total LiabilitiesCr | 2,44,883 | 2,31,340 | 2,16,056 | 2,30,484 | 2,35,908 | 2,53,336 | 2,67,784 | 3,00,863 | 3,23,691 | 3,62,481 | 3,95,858 | 4,00,433 |
| 2,840 | 3,218 | 3,335 | 3,510 | 3,781 | 3,852 | 4,200 | 4,137 | |||||
Investments InvestmentsCr | 83,974 | 74,019 | 70,962 | 82,232 | 90,999 | 93,783 | 96,874 | 95,169 | 92,904 | 94,272 | 98,777 | 97,486 |
Advances AdvancesCr | 1,37,451 | 1,33,508 | 1,22,144 | 1,12,912 | 1,14,901 | 1,22,697 | 1,32,207 | 1,65,247 | 1,90,667 | 2,22,252 | 2,64,574 | 2,77,006 |
Cash Equivalents Cash EquivalentsCr | 18,559 | 18,100 | 14,748 | 24,432 | 17,806 | 23,600 | 26,148 | 28,728 | 29,025 | 36,127 | 23,885 | |
Other Assets Other AssetsCr | 4,898 | 5,713 | 8,202 | 10,909 | 9,362 | 10,038 | 9,220 | 8,209 | 7,313 | 5,978 | 4,422 | 21,804 |
Total Assets Total AssetsCr | 2,44,883 | 2,31,340 | 2,16,056 | 2,30,484 | 2,35,908 | 2,53,336 | 2,67,784 | 3,00,863 | 3,23,691 | 3,62,481 | 3,95,858 | 4,00,433 |
| Financial Year | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | Jun 2026 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
Equity Capital Equity CapitalCr | 1,076 | 1,560 | 2,308 | 5,423 | 9,918 | 9,918 | 11,956 | 11,956 | 11,956 | 12,540 | 12,540 | 12,540 |
Reserves ReservesCr | 10,511 | 10,044 | 7,517 | 8,371 | 9,291 | 10,088 | 11,638 | 13,809 | 15,401 | 18,465 | 20,710 | 21,489 |
Deposits DepositsCr | 2,07,118 | 2,01,285 | 1,81,849 | 1,97,907 | 1,93,203 | 2,05,919 | 2,24,073 | 2,49,338 | 2,63,130 | 2,93,542 | 3,27,563 | 3,32,315 |
Borrowings BorrowingsCr | 17,240 | 9,535 | 12,449 | 8,324 | 15,695 | 15,383 | 13,508 | 20,501 | 25,331 | 28,687 | 23,310 | 24,868 |
Other Liabilities Other LiabilitiesCr | 8,937 | 8,917 | 11,932 | 10,459 | 7,800 | 12,028 | 6,609 | 5,260 | 7,873 | 9,247 | 11,737 | 9,221 |
Total Liabilities Total LiabilitiesCr | 2,44,883 | 2,31,340 | 2,16,056 | 2,30,484 | 2,35,908 | 2,53,336 | 2,67,784 | 3,00,863 | 3,23,691 | 3,62,481 | 3,95,858 | 4,00,433 |
| 2,840 | 3,218 | 3,335 | 3,510 | 3,781 | 3,852 | 4,200 | 4,137 | |||||
Investments InvestmentsCr | 83,974 | 74,019 | 70,962 | 82,232 | 90,999 | 93,783 | 96,874 | 95,169 | 92,904 | 94,272 | 98,777 | 97,486 |
Advances AdvancesCr | 1,37,451 | 1,33,508 | 1,22,144 | 1,12,912 | 1,14,901 | 1,22,697 | 1,32,207 | 1,65,247 | 1,90,667 | 2,22,252 | 2,64,574 | 2,77,006 |
Cash Equivalents Cash EquivalentsCr | 18,559 | 18,100 | 14,748 | 24,432 | 17,806 | 23,600 | 26,148 | 28,728 | 29,025 | 36,127 | 23,885 | |
Other Assets Other AssetsCr | 4,898 | 5,713 | 8,202 | 10,909 | 9,362 | 10,038 | 9,220 | 8,209 | 7,313 | 5,978 | 4,422 | 21,804 |
Total Assets Total AssetsCr | 2,44,883 | 2,31,340 | 2,16,056 | 2,30,484 | 2,35,908 | 2,53,336 | 2,67,784 | 3,00,863 | 3,23,691 | 3,62,481 | 3,95,858 | 4,00,433 |
| Financial Year | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| -2,978 | -3,852 | -9,082 | 4,190 | -10,658 | 2,422 | 4,399 | 2,983 | 1,002 | 1,913 | -10,584 | |
| -127 | -125 | -85 | -14 | -113 | -155 | -200 | -267 | -295 | -328 | -419 | |
| -579 | 3,609 | 5,754 | 5,450 | 4,283 | 3,266 | -1,637 | -336 | -430 | 5,870 | -977 | |
Net Cash Flow Net Cash FlowCr | -3,685 | -367 | -3,413 | 9,626 | -6,489 | 5,533 | 2,562 | 2,380 | 277 | 7,454 | -11,981 |
Free Cash Flow Free Cash FlowCr | -3,122 | -3,991 | -9,187 | 4,139 | -10,782 | 2,258 | 4,189 | 2,701 | 703 | 1,576 | -11,015 |
CFO To EBITDA CFO To EBITDA% | 50.3 | 129.6 | 168.3 | -49.6 | 165.3 | -72.0 | -371.0 | 485.7 | -240.9 | -730.5 | -822.9 |
| Financial Year | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| -2,978 | -3,852 | -9,082 | 4,190 | -10,658 | 2,422 | 4,399 | 2,983 | 1,002 | 1,913 | -10,584 | |
| -127 | -125 | -85 | -14 | -113 | -155 | -200 | -267 | -295 | -328 | -419 | |
| -579 | 3,609 | 5,754 | 5,450 | 4,283 | 3,266 | -1,637 | -336 | -430 | 5,870 | -977 | |
Net Cash Flow Net Cash FlowCr | -3,685 | -367 | -3,413 | 9,626 | -6,489 | 5,533 | 2,562 | 2,380 | 277 | 7,454 | -11,981 |
Free Cash Flow Free Cash FlowCr | -3,122 | -3,991 | -9,187 | 4,139 | -10,782 | 2,258 | 4,189 | 2,701 | 703 | 1,576 | -11,015 |
CFO To EBITDA CFO To EBITDA% | 50.3 | 129.6 | 168.3 | -49.6 | 165.3 | -72.0 | -371.0 | 485.7 | -240.9 | -730.5 | -822.9 |
| Financial Year | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | Current |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
Market Cap Market CapitalizationCr | 4,157 | 5,607 | 4,032 | 10,169 | 8,986 | 10,900 | 14,192 | 29,149 | 62,434 | 44,816 | 28,151 | 30,007 |
Price To Earnings Price To Earnings | 64.7 | 15.2 | 15.6 | 37.8 | 18.3 | 10.2 | 10.7 | |||||
Price To Sales Price To Sales | 0.2 | 0.3 | 0.3 | 0.7 | 0.6 | 0.8 | 0.9 | 1.6 | 2.9 | 1.8 | 1.1 | 1.1 |
Price To Book Price To Book | 0.5 | 0.6 | 0.7 | 0.9 | 0.5 | 0.6 | 0.7 | 1.3 | 2.6 | 1.6 | 0.9 | 1.0 |
EV To EBITDA EV To EBITDA | -0.5 | 1.0 | -0.3 | 0.7 | -1.1 | -0.8 | -1.3 | 34.1 | -141.3 | -142.8 | 21.4 | 196.9 |
FPM FPM% | -31.9 | -18.2 | -38.5 | -58.9 | -42.6 | -23.3 | -7.9 | 3.5 | -1.9 | -1.0 | 4.9 | 6.9 |
NPM NPM% | -15.1 | -11.3 | -31.6 | -30.1 | -16.1 | 1.2 | 6.2 | 10.6 | 7.6 | 9.8 | 10.5 | 10.5 |
ROCE ROCE% | 3.9 | 5.2 | 3.2 | 1.3 | 2.8 | 3.7 | 3.9 | 4.5 | 5.2 | 5.5 | 5.3 | 5.7 |
ROE ROE% | -24.2 | -15.9 | -45.1 | -31.3 | -12.7 | 0.8 | 3.9 | 7.2 | 6.0 | 7.9 | 8.3 | 8.3 |
ROA ROA% | -1.1 | -0.8 | -2.0 | -1.9 | -1.0 | 0.1 | 0.3 | 0.6 | 0.5 | 0.7 | 0.7 | 0.7 |
| Financial Year | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | Current |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
Market Cap Market CapitalizationCr | 4,157 | 5,607 | 4,032 | 10,169 | 8,986 | 10,900 | 14,192 | 29,149 | 62,434 | 44,816 | 28,151 | 30,007 |
Price To Earnings Price To Earnings | 64.7 | 15.2 | 15.6 | 37.8 | 18.3 | 10.2 | 10.7 | |||||
Price To Sales Price To Sales | 0.2 | 0.3 | 0.3 | 0.7 | 0.6 | 0.8 | 0.9 | 1.6 | 2.9 | 1.8 | 1.1 | 1.1 |
Price To Book Price To Book | 0.5 | 0.6 | 0.7 | 0.9 | 0.5 | 0.6 | 0.7 | 1.3 | 2.6 | 1.6 | 0.9 | 1.0 |
EV To EBITDA EV To EBITDA | -0.5 | 1.0 | -0.3 | 0.7 | -1.1 | -0.8 | -1.3 | 34.1 | -141.3 | -142.8 | 21.4 | 196.9 |
FPM FPM% | -31.9 | -18.2 | -38.5 | -58.9 | -42.6 | -23.3 | -7.9 | 3.5 | -1.9 | -1.0 | 4.9 | 6.9 |
NPM NPM% | -15.1 | -11.3 | -31.6 | -30.1 | -16.1 | 1.2 | 6.2 | 10.6 | 7.6 | 9.8 | 10.5 | 10.5 |
ROCE ROCE% | 3.9 | 5.2 | 3.2 | 1.3 | 2.8 | 3.7 | 3.9 | 4.5 | 5.2 | 5.5 | 5.3 | 5.7 |
ROE ROE% | -24.2 | -15.9 | -45.1 | -31.3 | -12.7 | 0.8 | 3.9 | 7.2 | 6.0 | 7.9 | 8.3 | 8.3 |
ROA ROA% | -1.1 | -0.8 | -2.0 | -1.9 | -1.0 | 0.1 | 0.3 | 0.6 | 0.5 | 0.7 | 0.7 | 0.7 |
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