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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% y-y) - Consumer loan disbursements +103% y-y; AUM INR45,902 Cr (+32% y-y) - Credit cost reduced by 37 bps; ROE improved to 19.4% from 18.1% - Board approved capital raise up to INR5,000 Cr; timing depends on market - FY27 growth guidance ~25% maintained; no revision despite strong H1 - NIM expected flat full year; cost of funds may rise 15-20 bps y-y - Vehicle finance portfolio well diversified; tractor exposure ~3% - Opex ratio stable at 3.0-3.1%; operating efficiencies expected to improve - Multiple analyst queries on capital raise strategy and consumer loan profitability