Analysts/Institutional Investor Meet/Con. Call Updates

AI summary - Aggregate disbursements grew 47% y-y to INR35,872 Cr; AUM up 25% y-y to INR2,68,009 Cr - Vehicle finance disbursements +31% y-y; AUM INR1,29,787 Cr (+21%) - Consumer loans disbursements +103% y-y; AUM INR45,902 Cr (+32%) - Credit cost down 37 bps; ROE improved to 19.4% from 18.1% - Board approved capital raise up to INR5,000 Cr to support growth - NIMs stable; cost of funds may rise 15-20 bps full year; repricing planned in some segments - Q3 vehicle finance growth expected 20-22% y-y; strong festive season demand - Opex ratio stable at 3.0-3.1%; efficiency gains offset new business costs - Gross Stage 3 improved to 3.25%; GNPA improved to 4.44% as of Sep 2026 - Multiple analyst queries on drought impact and capital raise timing; mgmt confident on asset quality and growth guidance