Transcript of Quarterly Earnings Call held on July 23, 2026

AI summary - Q1 FY27 profit after tax at INR317 Cr; ROA 2.2%, ROE 18.2% - Deposit book grew 25% y-y to INR48,129 Cr; CASA up 37.8% y-y to INR12,930 Cr - Gross loan book INR42,903 Cr, +28.9% y-y; secured loans 50.4% of book - Gold loan book up 248.6% y-y to INR1,020 Cr; vehicle loans +85.1% y-y - Credit cost guidance revised down to 0.9%-1% of average total assets for FY27 - FY27 ROA guidance raised to 1.8%-2% amid margin pressure and cost investments - Operating expenses to rise due to INR250 Cr capacity building spend; opex to ATA ~6.4% - Microfinance bucket X collection efficiency steady at 99.7%; slippages down to 1.72% annualized - Affordable housing and micro mortgage portfolios growing with stable asset quality - New product launches include digital unsecured loans, pre-owned car loans pilot