Please find attached the intimation regarding the earnings call transcript for Q2FY2026-27.

AI summary - Q2FY27 consolidated PAT ₹975 Cr +33% YoY; consolidated book ₹1.37 tn +28% YoY; RoA 2.60% up 19 bps YoY - Retail disbursements ₹24,027 Cr +27% YoY; strong growth in Personal Loans +72%, Two-Wheelers +24%, SME +27%, Gold Loans +242% - Credit cost improved to 2.46%, targeting 2%-2.2% by Q4FY27; NIMs + Fees stable at 10.48% - Gold Loan book ₹5,043 Cr +242% YoY; 502 branches with rapid scale-up - AI initiatives (Project Cyclops, Hercules) driving credit quality and cross-sell; 5,730 AI agents deployed - Rural disbursements calibrated due to monsoon variability; no visible risk pockets; strong collection efficiency ~99.7%-99.8% - Cost of funds lowered to 6.95%; incremental borrowing rates up 30-50 bps; managing repo rate hikes - Lakshya 2031 targets: 20%+ CAGR book growth, 3.0%-3.2% RoA by FY31, 16%-18% RoE; confident of meeting goals despite IRDAI insurance commission changes - Cross-sell and payments platform initiatives underway to offset insurance commission impact - SME and mortgage segments growing with risk-calibrated pricing; stable asset quality across segments - Early warning AI tools (Nostradamus) identified ₹50 Cr risk savings; no significant impact from drought/floods - Gold Loan delinquency stable; auctions rare with recoveries >140% - Personal Loans disbursement stabilizing post Cyclops implementation; monthly run rate ₹1,400-1,500 Cr - Cost-to-income ratio improving, investments in branch expansion and technology ongoing