Q2 FY27 profit hits INR 502 crore; interest margin guidance raised

Mgmt Guided Margin ImprovementInvestor Communications View source PDF Explain this filing

CREDITACC · price

Loading chart…

▲ positive · ▼ negative · ● neutral filings · teal = economic event · numbered = multiple that day (click to pick). Times IST.

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

-4.1%Reaction day

₹1041.00

prior close

₹999.00

announcement price

In-mkt

timing

Nifty Smallcap 250market+1.1%-5.3% vs market

Finance peers, median of 406sector · industry level-0.0%-4.1% vs sector

On the reaction day the stock moved 5.3 pts less than Nifty Smallcap 250 and 4.1 pts less than its Finance 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

-0.3

15m

-0.3

30m

-0.0

Sessions after the filingfrom the prior close

StockMarketvs marketSectorvs sector

Reaction day

-4.1+1.1-5.3-0.0-4.1

Next day

-3.1+3.3-6.4+0.2-3.2

-1.2pendingpending+0.2-1.4

—————

15d

—————

UpDownMarket · Nifty Smallcap 250Sector · Finance peers, median of 406Pending

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

AI summary

Q2 net profit was INR 502 crore; H1 net profit INR 995 crore. Loan assets grew 19.5% year on year to INR 30,946 crore; interest margin was 15.1%. FY27 return on assets guidance rose to 5.2-5.8%, return on equity to 21-24% and margin guidance to 14.4-14.7% and kept 20-25% asset growth. Group Loans fell 2% after INR 614 crore of H1 write-offs; drought may lift credit costs. Promoters are in talks with a strategic investor at holding-company level.

Likely market impact

Positive: profit and raised return targets support earnings; investor talks may boost interest. Drought and Group Loan contraction remain risks.