Investor Presentation

Investor Presentation - Q2 FY2027 - Consolidated AUM grew 60.1% y-y to Rs 73,303 Cr; PAT Rs 701 Cr, +222.9% y-y - Standalone AUM Rs 63,733 Cr, +68.5% y-y; PAT Rs 665 Cr, +76.9% y-y - ROE improved to 16.5% consolidated, 15.7% standalone - Gold loan AUM up 92.5% y-y; branch network 5,000+ with 42,000+ employees - Focus on calibrated growth in MSME, home loans, and digital gold loan products - Cost of borrowing stable around 9.2% consolidated, 9.19% standalone - Asset quality stable with GNPA ~4.2% standalone, 3.8% consolidated - Strong capital adequacy: 22.4% CRAR - Management emphasizes technology, risk management, and customer expansion - Multiple segments show growth with strategic branch expansions and digital initiatives