Please find attached the intimation regarding the earnings call transcript for Q1FY2026-27.

AI summary - Q1FY27 consolidated PAT ₹902 Cr +29% YoY; consolidated book ₹1,29,634 Cr +27% YoY with RoA 2.48% (+11 bps YoY) and RoE 12.71% - Retail disbursements ₹23,852 Cr +36% YoY; strong growth across segments including Personal Loans +126% YoY, Two Wheeler +41% YoY, Rural Business Finance +24% YoY - Credit cost moderated to 2.54%, improving sequentially; focus on disciplined underwriting and AI-powered credit administration - Lakshya 2031 targets on track: 20%+ CAGR book growth, RoA target 3.0-3.2% by FY31, RoE target 16-18% - AI initiatives: Project Cyclops underwriting engine live in multiple segments; Project Nostradamus portfolio intelligence implemented; new AI-powered platforms launched - Gold loan business expanded to 343 branches, book ₹3,800 Cr +180% YoY; 500 new branches planned in FY27 - Guidance: FY27 credit cost targeted 2-2.2%; cost of funds expected to rise slightly by 5-7 bps; NIMs + Fees stable at 10.47% - Management confident on rural demand despite El Nino concerns; prudent growth with risk-calibrated approach maintained