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Geetanjali Credit And Capital Q2 FY27 results: net loss widens to ₹0.06 crore
Geetanjali Credit And Capital reported standalone revenue of ₹0.20 crore in Q2 FY27, but recorded a net loss of ₹0.06 crore and basic EPS of ₹0.13. The result was lower than Q1 FY27, when the company reported a net profit of ₹0.15 crore, and included an auditor’s Emphasis of Matter relating to long-outstanding loans and advances.
Key points
- Standalone revenue was ₹0.20 crore in Q2 FY27, unchanged from Q1 FY27 and higher than Q2 FY26.
- The company reported a net loss of ₹0.06 crore in Q2 FY27, against a net profit of ₹0.15 crore in Q1 FY27.
- EBITDA was ₹0.05 crore in Q2 FY27, with a margin of -25.5%, against EBITDA of ₹0.15 crore and a 73.5% margin in Q1 FY27.
- Total expenses rose to ₹0.26 crore in Q2 FY27 from ₹0.05 crore in Q1 FY27, with other expenses accounting for ₹0.25 crore.
- The auditors raised an Emphasis of Matter, stating that recoverability of ₹295.07 lakhs of loans and advances could not be assessed and that RBI NPA norms had not been followed for provision.
How did Geetanjali Credit And Capital perform in Q2 FY27?
Geetanjali Credit And Capital reported standalone revenue of ₹0.20 crore in Q2 FY27, unchanged from Q1 FY27 and higher than the ₹0 crore recorded in Q2 FY26. The company reported EBITDA of ₹0.05 crore, with a margin of -25.5%, against EBITDA of ₹0.15 crore and a 73.5% margin in Q1 FY27.
Q2 FY27 profit before tax was ₹0.06 crore, compared with ₹0.15 crore in Q1 FY27, while the year-ago quarter recorded a ₹0.02 crore loss. The company reported a net loss of ₹0.06 crore and basic EPS of ₹0.13, compared with a net profit of ₹0.15 crore and EPS of ₹0.34 in Q1 FY27. No exceptional item was reported.
| ₹ crore | Q2 FY27 | Q1 FY27 | Q2 FY26 | YoY | QoQ |
|---|---|---|---|---|---|
| Revenue from operations | 0.20 | 0.20 | 0 | +0.0% | |
| Other income | 0 | 0 | 0 | ||
| Total expenses | 0.26 | 0.05 | 0.02 | +1200.0% | +420.0% |
| EBITDA | −0.05 | 0.15 | −0.02 | turned to loss | |
| EBITDA margin | -25.5% | 73.5% | −99.0 pp | ||
| Profit before tax | −0.06 | 0.15 | −0.02 | turned to loss | |
| Tax | 0 | 0 | 0 | ||
| Net profit | −0.06 | 0.15 | −0.02 | turned to loss | |
| EPS (₹) | −0.13 | 0.34 | −0.05 | turned to loss |
EBITDA here is revenue from operations less operating costs (total expenses excluding finance costs and depreciation): before other income and exceptional items. Growth is shown only when both figures are positive. Source: Company's results filing (XBRL).
What changed in Geetanjali Credit And Capital's costs and profit?
Total expenses rose to ₹0.26 crore in Q2 FY27 from ₹0.02 crore in Q2 FY26, a difference of ₹0.24 crore. Other expenses increased by ₹0.23 crore to ₹0.25 crore, while finance costs increased by ₹0.01 crore to ₹0.01 crore; employee cost decreased by ₹0.01 crore to ₹0 crore.
Against Q1 FY27, total expenses increased by ₹0.21 crore, from ₹0.05 crore to ₹0.26 crore. Other expenses rose by ₹0.20 crore to ₹0.25 crore and finance costs increased by ₹0.01 crore, while employee cost fell by ₹0.01 crore. Other income was ₹0 crore and there was no exceptional item; tax was ₹0 crore.
| ₹ crore | Q2 FY27 | Q2 FY26 | Change | Change % |
|---|---|---|---|---|
| Cost of materials | 0 | 0 | 0 | |
| Employee cost | 0 | 0.01 | −0.01 | |
| Finance costs | 0.01 | 0 | +0.01 | |
| Depreciation | 0 | 0 | 0 | |
| Other expenses | 0.25 | 0.02 | +0.23 | +1150.0% |
| Total expenses | 0.26 | 0.02 | +0.24 | +1200.0% |
| Other income | 0 | 0 | 0 | |
| Tax | 0 | 0 | 0 |
Source: Company's results filing (XBRL).
How did the first half of FY27 go?
In H1 FY27, Geetanjali Credit And Capital reported revenue of ₹0.40 crore and total income of ₹0.40 crore, compared with ₹0 crore in H1 FY26. Profit before tax was ₹0.09 crore and net profit was ₹0.09 crore, against losses of ₹0.03 crore in the year-ago first half. Basic EPS was ₹0.21, compared with ₹0.06 in H1 FY26.
| ₹ crore | H1 FY27 | H1 FY26 | Change |
|---|---|---|---|
| Revenue from operations | 0.40 | 0 | |
| Profit before tax | 0.09 | −0.03 | turned to profit |
| Net profit | 0.09 | −0.03 | turned to profit |
| EPS (₹) | 0.21 | −0.06 |
Source: Company's results filing (XBRL).
What do the balance sheet and cash flow show?
H1 FY27 operating cash flow was a net outflow of ₹0.21 crore, compared with a net outflow of ₹0.02 crore in H1 FY26. Financing cash flow was a net inflow of ₹0.22 crore, against ₹0.02 crore in the year-ago period; investing cash flow and capital expenditure were ₹0 crore.
| ₹ crore | As of 30 September 2026 | As of 31 March 2026 |
|---|---|---|
| Total assets | 4.08 | 3.37 |
| Total equity | 3.20 | 3.11 |
| Borrowings | 0.70 | 0.09 |
| Cash and equivalents | 0.01 | 0 |
| Inventories | 0 | 0 |
| Trade receivables | 0.12 | 0.11 |
Source: Company's results filing (XBRL).
| ₹ crore | H1 FY27 | H1 FY26 |
|---|---|---|
| Cash from operations | −0.21 | −0.02 |
| Cash from investing | 0 | 0 |
| Cash from financing | 0.22 | 0.02 |
| Capital expenditure | 0 | 0 |
Source: Company's results filing (XBRL).
How has Geetanjali Credit And Capital done over the last 8 quarters?
Revenue remained at ₹0 crore through the five quarters to Q3 FY26, then rose to ₹0.09 crore in Q4 FY26 and ₹0.20 crore in each of the two quarters to September 2026. Net profit moved from losses of ₹0.01 crore to ₹0.02 crore through Q3 FY26 to ₹0.06 crore in Q4 FY26 and ₹0.15 crore in Q1 FY27, before a loss of ₹0.06 crore in Q2 FY27.
EBITDA margin reached 64.6% in Q4 FY26 and peaked at 73.5% in Q1 FY27 before falling to -25.5% in Q2 FY27. Revenue was unchanged sequentially in the latest quarter, but the margin and profit direction turned lower.
What did the auditors point out?
The independent auditor’s review report included an Emphasis of Matter and stated that the company had long provided loans and advances of ₹295.07 lakhs, without balance confirmations from the parties. The auditor said it was unable to form an opinion on recoverability because management had recorded interest income on those loans in a manner not in accordance with RBI NPA norms, and the company had not followed those norms for provision since long.
The auditor also stated that the company had not provided documentary evidence for the required NPA provision and had an outstanding income-tax demand of ₹529.75 lakhs. It added that sufficient evidence was unavailable to verify the correctness and existence of investments as on 30 September 2026, so it relied on management’s representations and management letter; the conclusion was not modified in this respect.
How did Geetanjali Credit And Capital shares react?
| After the filing | Stock |
|---|---|
| Reaction day | +2.0% |
| Next day | +4.0% |
Minutes are measured from the price when the filing appeared; days from the previous close. Source: MarketPing price-reaction measurement.
Quick answers
What was Geetanjali Credit And Capital's revenue in Q2 FY27?
Revenue from operations was ₹0.20 crore, against ₹0 crore in Q2 FY26 (standalone).
Did Geetanjali Credit And Capital make a profit in Q2 FY27?
No. It reported a net loss of ₹0.06 crore, against a net loss of ₹0.02 crore in Q2 FY26.
What was Geetanjali Credit And Capital's EPS in Q2 FY27?
Basic loss per share was ₹0.13, against a loss of ₹0.05 in Q2 FY26.
How did Geetanjali Credit And Capital shares react to the Q2 FY27 results?
On the reaction day the stock moved +2.0% from the previous close.
When did Geetanjali Credit And Capital announce its Q2 FY27 results?
On 29 October 2026, in a filing to the BSE.
Sources
- Board Meeting Intimation for Consider And Approve The Unaudited Financial Result For The Quarter Ended As On 30.09.2026 (BSE, 26 October 2026) · PDF
- Board Meeting Outcome for Outcome Of Board Meeting (BSE, 29 October 2026) · PDF
- Results - Financial Result For September 30, 2026 (BSE, 29 October 2026) · PDF
How this was written: every figure in the tables and charts is calculated from the company’s filed results (XBRL) and MarketPing’s price measurements. The text is drafted with AI from those figures and the filings, and a checker removes any sentence carrying a number it cannot trace to them. How we write these.
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