Analysts/Institutional Investor Meet/Con. Call Updates

AI summary - H1 FY27 revenue rose over 20%, PAT grew over 10%, continuing 5 of 6 quarters double-digit PAT growth - FY27 disbursement guidance intact, surpassing last year's INR35,000 Cr non-railway disbursements - FY28 onwards, expected INR50,000 Cr annual disbursement from Indian Railways projects for 10 years - Diversification to metros, ports, renewable energy, thermal power, and road linkages ongoing - WACC maintained at 6.55%, lowest among NBFCs, with active cost management and hedging - No prepayment pressure due to no penalty, no floor price, and cheapest loan pricing - AUM target near INR5 lakh Cr by FY27 end; PAT growth near 10% driven by higher-margin non-railway assets - Management confident in long-term growth aligned with India's infrastructure expansion plans - Dividend payout around 40%, increased over last 3 years; shareholder base over 50 lakh - CEO emphasizes robust compliance, risk management, and mentorship for sustainable growth