Investor presentation

AI summary - Q1 FY27 AUM grew 16.4% YoY to INR 30,319 Cr; PAT surged 719.7% YoY to INR 493 Cr - NIM improved to 14.4% (Q1 FY27) from 12.8% (Q1 FY26); Interest spread at 12.6% - Credit cost reduced to 0.72% non-annualized in Q1 FY27; GNPA at 2.18%, NNPA 0.76% - FY27 guidance: AUM growth 20-25%, NIM 12.8-13.2%, Credit cost 3-4%, ROA 4-4.8%, ROE 16-20% - Digital adoption rising: 15.3 lakh active customers on app; 24.2% digital collections - Branch network expanded 7.7% YoY to 2,276; employee count up 3% YoY - Strong capital adequacy: CRAR 24.9%, Tier 1 at 24.2%, D/E ratio stable at 3.0 - Focus on inclusive finance with Project Shakti targeting 20-25% CAGR AUM growth - ESG initiatives ongoing with medium risk rating; social bond framework aligned with UN SDGs