Please find attached transcript of Earnings call

AI summary - Q1 FY27 PAT at INR155 crore; NIM improved to 7.5% driven by lower cost of funds and reduced unsecured slippages - Credit cost stable at 0.45%, expected to maintain through FY27 - Gross NPA at 2.24%, net NPA 0.85%, with 62.4% provision coverage - Loan growth guidance for FY27: 19-21%; deposit growth 23-25%; PAT growth above 80% - Secured loans growing faster; unsecured book 80% under guarantee program - CASA grew 7.1% Q-o-Q, targeting 20% CASA ratio for FY27 - Gold loan portfolio grew 13.5% Q-o-Q with LTV at 64%, no asset quality impact expected - MFI portfolio stabilizing; FY27 growth target 10-12% - Cost-to-income ratio expected to reduce to 63-65% range in FY27 - New products launching Q2: Credit Line on UPI, loans against shares, and potential FCNR(B) offering