CSL Finance Limited has informed the Exchange about Investor Presentation
CSLFINANCE · price
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CSL Finance, an NBFC focused on SME Retail and Wholesale (real estate) lending, reported Q1FY26 AUM of ₹1,299 crore, up 22% YoY, with loan book at ₹1,249 crore (+24% YoY) and disbursements of ₹305 crore (+18% YoY). Profit after tax grew 15% YoY to ₹21.3 crore and net interest income rose 11% YoY to ₹40.3 crore. The AUM mix shifted toward Wholesale (now 69%, up from 59%) as SME Retail growth slowed due to industry-wide stress and over-leveraged borrowers. Asset quality weakened slightly with Gross NPA at 0.56% (vs 0.46% QoQ) and Net NPA at 0.42%, partly due to RBI-mandated ECL provisioning changes. The credit rating was reaffirmed at A- | Stable by Acuite, and a new performance-linked ESOP scheme with 5-year milestones was announced.
Shareholders see steady growth and profitability gains, but rising NPAs and SME Retail stress are watchpoints. The credit rating upgrade to A- may lower borrowing costs and support future AUM growth, though near-term margin pressure from higher provisions and new branch costs is expected before normalizing.