Retail Focused loan book : Retail mortgages (home loans & LAP): 83%, Wholesale ( Builders loan) :17% as of Q1 FY26
Good AUM Growth : ₹ 71,151 Cr in Q1 FY26 (vs ₹ 66,955 cr : FY25 , ₹ 52,042 Cr : FY24 & ₹ 36,917 : FY23) ; 29% ↑ YoY in FY25
Stable Asset Quality: Net-NPA at 0.33% ( Q1FY 26) , 0.32% ( FY25) ,0.40% (FY24) & 0.63% (FY23)
Profitability: PAT ↑ at ~38% CAGR over three years to ₹1,499 cr in FY25 (vs ₹568 cr in FY22). PAT ↑ at 30.6% YoY (FY25), ROMA at 2.4%.
Adequate Liquidity : No cumulative negative mismatches up to 1-year maturity, supported by bank limits
Healthy Capitalisation: Net worth: ₹8,901 cr in Q1 FY26 with gearing at 7.41(vs ₹8,560 Cr & 7.14 in FY25; ₹6,507 Cr & 7.00 in FY24)







