Q2FY27: AUM growth, margin optimism and long-term targets

Management guided margin improvementMulti-year targets disclosedInvestor Communications View source PDF Explain this filing

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Price reactionminutes from the announcement price · days from the prior close

+3.1%Reaction day

₹1058.00

prior close

₹1066.30

announcement price

In-mkt

timing

Nifty Smallcap 250market+1.4%+1.7% vs market

Housing Finance Company peers, median of 17sector+1.3%+1.8% vs sector

On the reaction day the stock moved 1.7 pts more than Nifty Smallcap 250 and 1.8 pts more than its Housing Finance Company peers, over the same two closes: a difference in percentage points, not a measure of what the filing did.

Minutes after the announcementfrom the announcement price · no benchmark

Stock

-0.1

10m

+0.1

15m

+0.2

30m

+0.2

Sessions after the filingfrom the prior close

StockMarketvs marketSectorvs sector

Reaction day

+3.1+1.4+1.7+1.3+1.8

Next day

+6.0+1.8+4.2+1.4+4.6

+6.2+3.8+2.4+3.8+2.4

+6.7+4.6+2.1+4.0+2.7

+7.3pendingpending+2.8+4.5

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15d

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UpDownMarket · Nifty Smallcap 250Sector · Housing Finance Company peers, median of 17Pending

Minute windows have no benchmark: there is no intraday index history to compare against.

AI summary

Management reported H1FY27 disbursements of Rs35.1 billion, up 30%, AUM of Rs248.0 billion, up 16.1% year on year, and net profit of Rs3.5 billion, up 16.4%. Net interest margin was 7.76%, while the operating expense ratio improved to 3.33%. Management expects margins to improve, spreads to remain above 5%, productivity to reach 1.5 files per officer by FY27 and 2 files later, and sees a path to Rs500 billion AUM.

Likely market impact

Positive: stronger growth, productivity and expected margin gains support earnings, though higher funding costs and branch expansion execution remain key risks.