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AI summary - AUM grew 6% Q-o-Q and 27% Y-o-Y to INR 11,922 Cr in Q1 FY27 - Cost of funds down 90 bps Y-o-Y; spreads improved 39 bps to 9.48% - NIMs at 10.6%; opex at 4.29%, down 30 bps Y-o-Y but up sequentially - Asset quality stable with GNPA at 2.66%, PCR at 42%, credit cost ~1.45% - PAT grew 6% Q-o-Q and 29% Y-o-Y to INR 130 Cr; ROE at 14.7% - Sub-INR 10 lakh segment shows leveraged stress; cautious monitoring ongoing - No new products planned; focus on improving existing MSME and gold loan segments - Branch expansion planned at 10-15 this year; productivity focus - Yield stable in 17.50%-17.75% range; gold loan yields caused recent uptick - Co-origination mix reset to 10%, expected to normalize this quarter - Management cautious on macro uncertainties; emphasis on steady growth and risk management