Transcript of Earnings conference call held on 12th August 2026

AI summary - Q1 FY2027 disbursements at Rs.843 Cr vs Rs.829 Cr in Q1 FY2026; AUM grew 8.9% y-y to Rs.15,990 Cr - GNPA at Rs.427 Cr (2.7%) slightly up q-q; significant y-y improvement from Rs.485 Cr (3.0%) - Cost of funds stable at 8.3%; NIM at 5.4%, spread 3.4% for Q1 - Net profit Rs.114 Cr vs Rs.108 Cr y-y; ROE 12.7%, ROA 2.9% - FY2027 guidance: Rs.5,000 Cr disbursements, 13-14% AUM growth, reduce NPA by Rs.40 Cr - June and July disbursements on track; Q2 target Rs.1,200-1,250 Cr - Spread may compress by 10-12 bps due to aggressive growth and retention efforts - Asset quality focus: separate verticals for NPA management; target <2% NPA by Mar-27 - Technology and organizational restructuring improving turnaround and growth - Geographic expansion focus on non-TN southern states and western India