Analysts/Institutional Investor Meet/Con. Call Updates

AI summary - Q2 FY27 profit after tax Rs. 418 Cr, +77% y-y; H1 FY27 PAT Rs. 772 Cr, nearly double y-y - Consolidated AUM Rs. 43,878 Cr, +62% y-y; Gold loan AUM +102% y-y, MSME +25% y-y, Housing +39% y-y - Cost-to-income ratio improved to 42.6% in H1 FY27; ROE at 20.4% - Raised $300M via USD senior secured bond; diversified borrowings with 40+ lenders - Gold loan yields improved to 19%; focus on sub-Rs. 3 lakh ticket size to maintain yields - Asset quality steady except gold loan Stage-2 spike due to shorter tenure loans; expected to normalize next quarter - Credit cost guidance 0.6%-0.9%; PCR on Stage-3 at 33.3%, segmental PCR healthy - Technology adoption strong with AI-driven underwriting and collections; digital payments 91.2% in Sept - FY28 targets: AUM Rs. 65,000 Cr, ROE 20-21%, ROA 4.2%-4.7%