Investor Presentation

AI summary - Consolidated Q1 FY27 revenue ₹14,731 Cr (+29% y-y); PAT ₹1,175 Cr (+40% y-y) - Total lending portfolio ₹2,19,289 Cr (+32% y-y); total AUM ₹7,52,745 Cr (+36% y-y) - NBFC segment RoA 2.39%, profit ₹1,222 Cr (+32% y-y); housing finance RoA 2.12%, profit ₹300 Cr (+95% y-y) - Life insurance individual first year premium ₹952 Cr (+20% y-y), VNB margin 15.1% - Health insurance gross written premium ₹2,196 Cr (+50% y-y), combined ratio 106% - AMC QAAUM ₹4,27,675 Cr (+12% y-y), PAT ₹309 Cr (+35% y-y) - Strong digital adoption and AI integration across underwriting, sales, and customer service - Robust asset quality with GS3 at 1.1% and high PCR; well-matched ALM and diversified borrowing - Growth focused on prime and affordable segments with digital reinvention and ecosystem leverage