September quarter profit up 7%, but asset quality and cash flow weaken

Negative Operating CashflowResults View source PDF Explain this filing

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

+13.2%Reaction day

₹537.05

prior close

₹531.45

announcement price

In-mkt

timing

Nifty Smallcap 250market · index membership as recorded later (tracked since Jun 2026)+0.4%+12.8% vs market

Non Banking Financial Company (NBFC) peers, median of 204sector+0.0%+13.2% vs sector

On the reaction day the stock moved 12.8 pts more than Nifty Smallcap 250 and 13.2 pts more than its Non Banking Financial Company (NBFC) 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

+0.0

10m

+0.2

15m

+2.6

30m

+3.2

Sessions after the filingfrom the prior close

StockMarketvs marketSectorvs sector

Reaction day

+13.2+0.4+12.8+0.0+13.2

Next day

+18.6+0.4+18.2-0.1+18.7

+21.2-0.2+21.4+0.0+21.2

+22.9+0.5+22.4+0.2+22.7

+21.2-0.2+21.4-0.5+21.7

+15.9-1.6+17.5-1.6+17.5

+17.9-1.9+19.7-1.3+19.2

15d

+10.7-2.4+13.1-3.3+14.1

+9.3-3.3+12.6-2.8+12.1

+0.8-4.7+5.5-5.6+6.4

-16.2-9.9-6.3-12.3-3.8

UpDownMarket · Nifty Smallcap 250Sector · Non Banking Financial Company (NBFC) peers, median of 204Pending

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

AI summary

For the September 2025 quarter, total income was Rs 80,650.23 lakh and net profit Rs 28,613.81 lakh, versus Rs 26,631.16 lakh profit in June 2025. Half year profit rose to Rs 55,244.97 lakh from Rs 51,950.70 lakh; basic EPS was Rs 18.76 versus Rs 17.76. Auditor review was unmodified. However, operating cash outflow was Rs 14,349.17 lakh, impairment charges rose to Rs 9,882.20 lakh, and gross Stage 3 ratio rose to 2.64% from 1.79%.

Likely market impact

Profit growth is modest and the clean audit is a positive, but rising Stage 3 loans, higher impairment and cash outflow may pressure the stock.