Investor Presentation for Q1 FY 2026-27.

AI summary - Consolidated Q1FY27 total income 202 Crore (+33.7% y-y); PAT 45 Crore - AUM grew 35.7% y-y to 2,925 Crore; disbursement up 76.1% y-y to 686 Crore - GNPA at 0.84%, NNPA 2.76%; cumulative provisions 72 Crore covering 2.5% of AUM - ROAA 6.39%, ROE 18.90%; capital adequacy strong with CRAR 33.57% standalone - Microfinance and MSME loans key segments; focus on digital collections and risk management - Borrowing cost steady at 12.0%; diversified lender base with strong liquidity - Standalone business PAT 14.6 Crore (+17% y-y); robust growth in MSME and LAP loans - Namra Finance microfinance PAT 29.6 Crore, recovering from prior losses - Collection efficiency improved to 96.8% in June 2026 across segments - Management emphasizes conservative operations and sustainable ROA of 5-6%