Please find attached the transcript of Q1 FY 2026-27 results conference call held on August 11, 2026.

AI summary - Consolidated AUM at INR69,635 Cr, +9% QOQ, +57% YOY; gold loan AUM 82% of total - Consolidated revenue INR3,033 Cr, +16% QOQ, +34% YOY; PAT INR585 Cr, +45% QOQ, +47% YOY - Standalone gold loan AUM INR54,655 Cr, +12% QOQ, +97% YOY; yield improved by 59 bps to ~18% - Microfinance AUM INR7,188 Cr, +5.8% QOQ, +7.2% YOY; PAT INR21 Cr, +58% QOQ, +108% YOY - Vehicle finance AUM declined 14.3% QOQ; focus on collections due to elevated GNPA - Interim dividend declared at INR1/share for Q1 FY27 - Branch expansion plan: 500 new branches in FY27, mainly in South, Central, and East India - Management targets ROA 3.5-4% and ROE 15-18% within 3 years - New CEO Ashish Singh to join by Jan 1, 2027; experienced in retail banking and NBFCs - Strategic focus on gold loans (~75-80% of AUM), microfinance capped below 10%, vehicle loans paused - Pricing actions raised gold loan yields; stable yield guidance around 18% going forward