Breakeven collection efficiency is comfortably lower at 27.9% (Mirzam) and 22.9% (Twilight) vs. actual collections.
Cash collateral (CC) increased to 13.1% (Mirzam) and 32.2% (Twilight) of balance pool principal.
Profitability: PAT surged to ₹78.1 Cr (9M FY25) from ₹71.6 Cr (FY24).
Low Gross Stage 3 NPAs: 0.3% (9M FY25).
Promoted by Ms. Padmaja Reddy (ex-MD of Spandana Sphoorty), with 4.5+ years of microfinance expertise.