Please find attached the intimation regarding the earnings call transcript for Q2FY2026-27.

AI summary - Q2FY27 consolidated PAT ₹975 Cr +33% YoY; consolidated book ₹1,36,635 Cr +28% YoY; RoA 2.60%, RoE 13.56% - Credit cost moderated to 2.46%, targeting 2%-2.2% by Q4FY27; NIMs + Fees stable at 10.48% - Retail disbursements ₹24,027 Cr +27% YoY; strong growth in Personal Loans +72%, Two-Wheelers +24%, Gold Loans +229% - Gold Loan book ₹5,043 Cr +242% YoY; 502 branches with rapid expansion - AI initiatives (Project Cyclops, Hercules, Nostradamus) improving underwriting, collections, and cross-sell - Rural disbursements calibrated due to monsoon uncertainty; no visible risk pockets; strong collection efficiency ~99.7%-99.8% - IRDAI insurance commission rationalization under consultation; company confident of managing impact via new revenue streams and cost efficiencies - Capex and branch expansions ongoing; Payments platform and agentic commerce products planned for FY28 - Management confident of achieving Lakshya 2031 targets: 20%+ CAGR book growth, 3.0%-3.2% RoA, 16%-18% RoE by FY31