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Quarterly results

consolidated · as filed with NSE · Q1 FY27 back to Q4 FY18

₹ crore	Q1 FY27	Q4 FY26	Q3 FY26	Q2 FY26	Q1 FY26	Q4 FY25	Q3 FY25	Q2 FY25	Q1 FY25	Q4 FY24	Q3 FY24	Q2 FY24	Q1 FY24	Q4 FY23	Q3 FY23	Q2 FY23	Q1 FY23	Q4 FY22	Q3 FY22	Q2 FY22	Q1 FY22	Q4 FY21	Q3 FY21	Q2 FY21	Q1 FY21	Q4 FY20	Q3 FY20	Q3 FY19	Q2 FY19	Q1 FY19	Q4 FY18
Revenue from operations	3,034	2,614	2,353	2,283	2,262	2,360	2,560	2,633	2,488	2,360	2,305	2,157	2,026	1,763	1,714	1,696	1,502	1,481	1,484	1,532	1,563	1,622	1,644	1,566	1,513	1,605	1,399	1,081	1,014	936	890
Other income	6.2	11.8	5.8	1.9	2.6	3.5	2.9	4	23.7	2.5	21.4	17.3	30.9	26.9	20.4	17.9	0.8	10	22.4	22.5	10.4	7.9	6.2	12.3	3.9	12.8	15.2	19.6	13.1	11.4	11.4
Total expenses	2,259	2,062	2,056	1,983	2,163	2,599	2,187	1,864	1,759	1,617	1,540	1,427	1,376	1,232	1,194	1,161	1,122	1,137	1,159	1,059	987	1,008	993	1,034	1,024	1,084	870	713	678	638	625
EBITDA	2,128	1,737	1,320	1,255	1,029	722	1,369	1,741	1,642	1,587	1,576	1,481	1,355	1,176	1,139	1,109	934	897	913	1,006	1,112	1,182	1,249	1,145	1,100	1,146	1,017	741	673	611	551
EBITDA margin	70.1%	66.4%	56.1%	55.0%	45.5%	30.6%	53.5%	66.1%	66.0%	67.3%	68.4%	68.7%	66.9%	66.7%	66.4%	65.4%	62.2%	60.5%	61.5%	65.7%	71.1%	72.9%	76.0%	73.1%	72.7%	71.4%	72.7%	68.5%	66.3%	65.3%	61.9%
Finance costs	1,274	1,109	945	876	855	895	925	906	848	779	749	689	648	589	566	528	505	495	531	492	493	524	557	571	567	581	447	354	317	294	268
Depreciation	78.4	75.1	77.2	79.5	74.8	65.9	70.5	66.6	64.4	65.1	62.5	62.5	56.5	56.1	52.7	45.8	49.1	58.1	55.7	41.4	42.8	43.9	41.1	41.6	44.4	43.8	41	18.9	18.8	18.5	18.4
Profit before tax	782	564	303	302	102	−236	376	773	753	746	786	747	681	558	541	553	381	354	348	495	586	622	657	544	492	534	544	388	350	309	276
Tax	197	159	64.3	84.7	−31	−32.7	97.6	201	196	182	211	186	183	151	147	143	98.9	93	87.2	125	150	154	174	139	124	136	142	141	126	109	92.7
Net profit	585	405	239	217	132	−203	278	572	557	563	575	561	498	406	393	409	282	261	261	370	437	468	483	405	368	398	402	247	224	200	182
Net margin	19.3%	15.5%	10.1%	9.5%	5.9%	-8.6%	10.9%	21.7%	22.4%	23.9%	25.0%	26.0%	24.6%	23.1%	23.0%	24.1%	18.8%	17.6%	17.6%	24.1%	27.9%	28.9%	29.4%	25.9%	24.3%	24.8%	28.8%	22.9%	22.1%	21.4%	20.5%
EPS (₹)	6.23	4.77	2.82	2.57	1.57	-2.40	3.29	6.75	6.58	6.66	6.79	6.62	5.88	4.91	4.65	4.84	3.33	3.08	3.08	4.37	5.16	5.53	5.71	4.80	4.35	4.72	4.77	2.93	2.66	2.36	2.16
Net profit YoY	+341.4%	+299.2%	−14.3%	−62.0%	−76.2%	−136.1%	−51.6%	+2.0%	+11.7%	+38.6%	+46.2%	+36.9%	+76.7%	+55.8%	+50.8%	+10.7%	−35.5%	−44.3%	−46.0%	−8.8%	+18.7%	+17.6%	+20.1%	–	–	–	+62.7%	–	–	–	–

Annual results

financial years ending March · from the fourth-quarter filings

₹ crore	FY26	FY25	FY24	FY23	FY22	FY21	FY20	FY18
Revenue from operations	9,509	10,041	8,848	6,684	6,061	6,331	5,465	3,423
Other income	15.3	34.2	72.1	65.9	65.3	44.1	85.9	53.2
Total expenses	8,255	8,409	5,961	4,709	4,343	4,059	3,544	2,460
EBITDA	5,347	5,474	6,000	4,367	3,928	4,662	3,918	2,060
EBITDA margin	56.2%	54.5%	67.8%	65.3%	64.8%	73.6%	71.7%	60.2%
Finance costs	3,786	3,575	2,866	2,188	2,011	2,219	1,832	1,028
Depreciation	307	267	246	204	198	171	164	68.3
Profit before tax	1,270	1,666	2,960	2,041	1,784	2,316	2,007	1,017
Tax	277	462	762	541	455	591	527	349
Net profit	993	1,204	2,197	1,500	1,329	1,725	1,480	671
Net margin	10.4%	12.0%	24.8%	22.4%	21.9%	27.2%	27.1%	19.6%
EPS (₹)	11.72	14.22	25.96	17.72	15.70	20.40	17.54	7.97
Net profit YoY	−17.5%	−45.2%	+46.5%	+12.9%	−23.0%	+16.5%	–	–

EPS is as filed for each period and is not restated for later bonus issues or splits.

Cash flow

annual · ₹ crore

₹ crore	FY26	FY25	FY24	FY23	FY22
Operating cash flow	20,238	2,621	−9,681	−3,103	−423
Investing cash flow	−1,632	−1,588	−320	−616	−193
Financing cash flow	24,721	−1,956	10,051	3,849	438
Capital expenditure	0	145	−136	0	15.2
Free cash flow (CFO − capex)	20,238	2,477	−9,817	−3,103	−438

Net profit trend

annual, ₹ crore

FY21

₹1,725

FY22

₹1,329−23%

FY23

₹1,500+13%

FY24

₹2,197+46%

FY25

₹1,204−45%

FY26

₹993−18%

Result filings

as filed with NSE · PDF and XBRL

Period	Basis	Filed	Documents
Q1 FY27	Consolidated	11 Aug 2026	PDF on NSE XBRL
Q1 FY27	Standalone	11 Aug 2026	PDF on NSE XBRL
Q4 FY26	Consolidated · audited	–	PDF on NSE XBRL
Q4 FY26	Consolidated · audited	4 May 2026	PDF on NSE XBRL
Q4 FY26	Standalone · audited	4 May 2026	PDF on NSE XBRL
Q4 FY26	Standalone · audited	–	PDF on NSE XBRL
Q4 FY26	Standalone · audited	–	PDF on NSE XBRL
Q3 FY26	Consolidated	29 Jan 2026	PDF on NSE XBRL
Q3 FY26	Standalone	29 Jan 2026	PDF on NSE XBRL
Q2 FY26	Consolidated	30 Oct 2025	PDF on NSE XBRL

Annual reports

NSE archive

FY2619.72 MB FY25 FY24 FY23 FY22 FY21 FY20 FY19 FY18 FY17

Key ratios

P/E (TTM)5Y avg 13.0×21.7×

P/B5Y avg 1.47×1.95×

ROEFY26, on average equity7.0%

Net margin10.4%

Debt / equity2.89×

Revenue CAGR (3Y)12.5%

Profit CAGR (3Y)-12.8%

EPS (TTM)₹15.39

Market cap₹31,374 Cr

Computed from the filings and the last close. Market cap uses the latest share count from the balance sheet.

P/B vs history

1.95×

vs 10-point avg 1.47× (+33%)

1.02× low1.47× avg2.07× high

History points are balance-sheet dates (2021 → 2026), priced at the adjusted close on each date.

Balance sheet 31 Mar 2026

Total assets₹74,559 Cr+52%

Net worth₹16,051 Cr+29%

Total borrowings₹46,395 Cr+62%

Cash & bank balances₹5,048 Cr+212%

Investments₹2,051 Cr+160%

Inventories₹0 Cr

Trade receivables₹0 Cr

Change vs the same date a year earlier.

Revenue mix FY26

Gold loan and others86.9%result ₹2,106 Cr

Micro Finance13.1%result ₹−836 Cr

Segment revenue as reported, before inter-segment eliminations.

Shareholding 30 Jun 2026

%	Jun 26	Mar 26	Mar 26	Dec 25	Sept 25	Jun 25	Mar 25	Dec 24	Sept 24	Jun 24	Mar 24	Dec 23
Promoter	41.66	31.77	31.77	35.25	35.25	35.25	35.25	35.25	35.25	35.24	35.20	35.20
FII	22.30	23.23	23.21	28.77	30.16	29.71	28.42	27.01	30.36	33.00	31.99	28.95
DII	14.85	12.97	13.05	11.14	9.17	8.62	8.00	7.88	10.97	9.34	9.50	12.15
of which MF	12.84	10.97	10.92	9.09	6.93	6.77	–	–	–	–	–	–
Retail	15.57	16.31	16.31	18.01	18.60	19.22	20.51	22.93	18.68	17.70	18.73	18.26
Other public	5.62	15.72	15.66	6.83	6.82	7.20	7.82	6.93	4.74	4.72	4.58	5.44

5,26,798 shareholders · NSE shareholding pattern filings.