Please find attached the intimation regarding the earnings call transcript for Q1FY2026-27.

AI summary - Q1FY27 consolidated PAT ₹902 Cr +29% YoY; consolidated book ₹1,29,634 Cr +27% YoY; RoA 2.48% +11 bps YoY; RoE 12.71% +185 bps YoY - Retail disbursements ₹23,852 Cr +36% YoY; strong growth in Personal Loans +126%, Two Wheeler +41%, Rural Business Finance +24%, SME +23%, Gold Finance +182% - Credit cost moderated to 2.54%, improving 10 bps sequentially; focus on credit quality and AI-driven underwriting - Lakshya 2031 targets: 20%+ CAGR book growth, credit cost ≤2%, RoA 3.0-3.2% by FY31, RoE 16-18% by FY31 - AI initiatives: Project Cyclops underwriting engine live in multiple segments; Project Nostradamus portfolio intelligence; new AI-powered platforms for loan origination, fraud detection, and customer engagement - Gold loan network expanded to 343 branches; book ₹3,800 Cr +180% YoY; plan to add ~500 branches in FY27 - NIMs + Fees stable at 10.47%; slight NIM compression due to higher liquidity and borrowing cost; fee income offsets - Guidance: credit cost target 2-2.2% by Q4FY27; cost of funds expected to rise marginally by 5-7 bps in FY27; focus on risk-calibrated growth - Wholesale book small and standard; ARC portfolio resolution ongoing with increased provision coverage ratio - Payments business in build phase targeting agentic commerce for fee diversification over Lakshya 2031 period