Investor Presentation

AI summary - Disbursements grew 56% YoY on cheque handover basis; 18% YoY on cheque realization basis in Q1 FY27 - Retail loan book grew 16% YoY to INR 89,178 Cr; overall loan book up 15% YoY - Spread stable QoQ at 2.12%; NIM moderated 19 bps QoQ to 3.50% - GNPA stable at 0.95%; recovered INR 67 Cr from written-off pool - PAT grew 4% YoY to INR 557 Cr; ROA at 2.37% in Q1 FY27 - Focus on high-yielding Affordable and Emerging Markets segments; Micro Housing Finance rollout from Q2 FY27 - Technology initiatives include AI pilots for collections and digital onboarding - Well diversified borrowing mix; cost of borrowing improved to 7.23% - Strong asset quality with stable credit metrics and controlled delinquency - ESG focus with governance, social equity, and environmental sustainability initiatives