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Quarterly results

consolidated · as filed with NSE · Q1 FY27 back to Q3 FY20

₹ 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	Q4 FY22	Q3 FY22	Q2 FY22	Q1 FY22	Q4 FY21	Q3 FY21	Q2 FY21	Q1 FY21	Q4 FY20	Q3 FY20
Revenue from operations	14,970	10,802	14,259	9,792	12,822	12,376	8,923	13,372	11,799	14,888	12,356	10,165	9,168	9,929	8,896	8,960	6,954	9,325	5,942	9,760	8,990	7,020	5,505	4,264	5,366
Other income	7.1	3.5	8.5	7	3.3	20.3	4.1	3.7	3.2	10.7	3.5	24.5	3.3	4.9	2.8	2.7	0.7	2	1.1	0.6	0.6	0.3	12.7	1.6	0.1
Total expenses	14,839	10,844	14,217	9,792	12,723	12,372	8,847	13,214	11,620	14,958	12,161	10,031	9,053	9,876	8,584	8,809	6,853	9,277	5,859	9,693	8,711	6,925	5,367	4,135	5,188
EBITDA	167	−6	78	21	119	19.8	87.6	172	189	−58.6	209	144	125	63.9	322	161	111	55.2	84.8	68.1	280	96.5	139	137	179
EBITDA margin	1.1%	-0.1%	0.5%	0.2%	0.9%	0.2%	1.0%	1.3%	1.6%	-0.4%	1.7%	1.4%	1.4%	0.6%	3.6%	1.8%	1.6%	0.6%	1.4%	0.7%	3.1%	1.4%	2.5%	3.2%	3.3%
Finance costs	35.5	35.1	35.9	21.1	19.7	15.3	10.2	12.6	9.3	10.8	14.2	9.4	9.3	9.2	9.4	9.3	9.3	6.1	0.1	0.1	0.1	0.1	0.1	0.1	0.1
Depreciation	0.5	0.5	0.5	0.6	0.7	0.7	0.8	0.7	0.7	0.7	0.8	0.8	1	1.1	1.1	1.2	1.2	1.2	1.4	1.5	1.4	1.2	1.3	7.9	2
Profit before tax	138	−38.1	50.1	6.3	101	24.1	80.7	162	182	−59.4	198	158	118	58.4	315	153	101	49.9	84.4	67.2	280	95.5	151	131	177
Tax	19.6	−4.9	5.3	0.4	14.5	−16.2	10.9	22.8	25.8	−9.3	26.8	−12.1	16.9	6	45.2	9	10.5	2.2	48.6	−2.9	52.4	14.5	−30.8	124	29.7
Net profit	118	−31.5	44.8	5.9	86.5	38.3	69.8	139	156	−50.1	171	170	101	52.5	269	144	90.9	47.7	35.8	70	227	81.1	182	6.7	148
Net margin	0.8%	-0.3%	0.3%	0.1%	0.7%	0.3%	0.8%	1.0%	1.3%	-0.3%	1.4%	1.7%	1.1%	0.5%	3.0%	1.6%	1.3%	0.5%	0.6%	0.7%	2.5%	1.2%	3.3%	0.2%	2.8%
EPS (₹)	2.78	-0.81	1.07	0.12	2.03	0.96	1.62	3.26	3.69	-1.28	4.30	4.29	2.54	1.33	6.52	3.41	2.55	1.15	0.61	2.13	6.20	2.10	4.85	-1.34	3.91
Net profit YoY	+36.8%	−182.3%	−35.9%	−95.8%	−44.6%	+176.4%	−59.2%	−18.2%	+54.2%	−195.5%	−36.4%	–	–	−63.6%	+196.2%	+105.6%	−60.0%	−41.2%	−80.3%	+949.9%	+53.9%	–	–	–	–

Annual results

financial years ending March · from the fourth-quarter filings

₹ crore	FY26	FY25	FY24	FY23	FY22	FY21	FY20
Revenue from operations	47,674	46,469	46,576	31,413	31,181	31,274	18,240
Other income	22.3	28.3	42.1	18.4	6.4	14.1	1.8
Total expenses	47,577	46,047	46,203	30,904	30,799	30,695	17,799
EBITDA	212	472	420	551	412	584	452
EBITDA margin	0.4%	1.0%	0.9%	1.8%	1.3%	1.9%	2.5%
Finance costs	112	47.4	43.6	37.5	24.7	0.3	0.3
Depreciation	2.3	2.9	3.2	4.6	5	5.3	11.4
Profit before tax	120	450	415	527	389	593	442
Tax	15.3	43.4	22.2	75.3	70.3	33.2	170
Net profit	106	403	393	452	318	560	273
Net margin	0.2%	0.9%	0.8%	1.4%	1.0%	1.8%	1.5%
EPS (₹)	2.42	9.61	9.85	10.97	7.34	14.51	5.38
Net profit YoY	−73.8%	+2.8%	−13.1%	+41.9%	−43.1%	+105.1%	–

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	11,473	8,352	6,107	9,922	8,496
Investing cash flow	−11,125	−9,703	−5,004	−9,228	−8,835
Financing cash flow	567	1,961	−117	−233	388
Capital expenditure	244	218	223	−2.1	128
Free cash flow (CFO − capex)	11,228	8,134	5,884	9,920	8,368

Net profit trend

annual, ₹ crore

FY21

₹560

FY22

₹318−43%

FY23

₹452+42%

FY24

₹393−13%

FY25

₹403+3%

FY26

₹106−74%

Result filings

as filed with NSE · PDF and XBRL

Period	Basis	Filed	Documents
Q1 FY27	Consolidated	13 Aug 2026	PDF on NSE XBRL
Q1 FY27	Standalone	13 Aug 2026	PDF on NSE XBRL
Q4 FY26	Consolidated · audited	12 May 2026	PDF on NSE XBRL
Q4 FY26	Consolidated	–	PDF XBRL
Q4 FY26	Standalone	–	PDF on NSE XBRL
Q4 FY26	Standalone	–	PDF XBRL
Q4 FY26	Standalone · audited	12 May 2026	PDF on NSE XBRL
Q3 FY26	Consolidated	11 Feb 2026	PDF on NSE XBRL
Q3 FY26	Standalone	11 Feb 2026	PDF on NSE XBRL
Q2 FY26	Consolidated	11 Nov 2025	PDF XBRL

Annual reports

NSE archive

FY263.71 MB FY2512.71 MB FY24 FY23 FY22 FY21 FY20 FY19 FY18 FY17

Key ratios

P/E (TTM)5Y avg 159.9×364.3×

P/B5Y avg 7.80×9.48×

ROEFY26, on average equity2.0%

Net margin0.2%

Debt / equity0.00×

Revenue CAGR (3Y)14.9%

Profit CAGR (3Y)-38.4%

EPS (TTM)₹4.00

Market cap₹50,053 Cr

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

P/B vs history

9.48×

vs 9-point avg 7.80× (+21%)

5.49× low7.80× avg10.20× high

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

Balance sheet 31 Mar 2026

Total assets₹1.99L Cr+5%

Net worth₹5,282 Cr+0%

Total borrowings₹0 Cr

Cash & bank balances₹2,137 Cr+100%

Investments₹9,716 Cr+6%

Inventories₹0 Cr

Trade receivables₹0 Cr

Change vs the same date a year earlier.

Revenue mix FY26

Life Insurance99.9%result ₹222 Cr

Business Investments0.1%result ₹−12.2 Cr

Segment revenue as reported, before inter-segment eliminations.

Shareholding 30 Jun 2026

%	Jun 26	Mar 26	Dec 25	Sept 25	Jun 25	Mar 25	Dec 24	Sept 24	Jun 24	Mar 24	Dec 23	Sept 23
Promoter	1.25	1.25	1.25	1.71	1.74	1.74	3.34	3.34	6.52	6.52	6.52	6.52
FII	48.06	47.88	45.14	44.78	44.72	44.75	47.50	46.24	46.60	47.71	50.89	51.54
DII	44.34	44.75	47.35	47.26	47.29	47.30	42.69	44.00	40.74	39.92	36.89	35.10
of which MF	36.76	36.99	39.49	38.66	39.24	–	–	–	–	–	–	–
Retail	4.66	4.45	4.52	4.55	4.58	4.58	4.65	4.58	4.54	4.34	4.21	4.67
Other public	1.69	1.67	1.74	1.70	1.67	1.63	1.82	1.84	1.60	1.51	1.49	2.17

80,336 shareholders · NSE shareholding pattern filings.