In ₹ Crore except Per Share 12 Months Ending | FY24 31/03/2024 | FY25 31/03/2025 | FY26 31/03/2026 | Last 12M 30/06/2026 | |
|---|---|---|---|---|---|
| Revenue from Operations | 2,586.8 | 3,107.6 | 3,672.6 | 3,817.3 | |
| Other Income | 0.2 | 1.3 | 14.3 | 15.4 | |
| Total Income | 2,587.0 | 3,108.9 | 3,686.9 | 3,832.7 | |
| Expenses | |||||
| + Employee Benefit Expense | 403.5 | 464.5 | 553.4 | 588.2 | |
| + Finance Costs | 986.7 | 1,173.8 | 1,364.4 | 1,408.8 | |
| + Depreciation & Amortisation | 21.0 | 25.2 | 32.0 | 34.0 | |
| + Other Expenses | 175.0 | 215.1 | 247.6 | 248.8 | |
| Total Expenses | 1,627.4 | 1,935.7 | 2,265.1 | 2,352.4 | |
| EBITDA | 1,967.1 | 2,371.0 | 2,803.9 | 2,907.7 | |
| EBIT | 1,946.1 | 2,345.8 | 2,771.9 | 2,873.7 | |
| Profit | |||||
| PBT before Exceptional Items | 959.6 | 1,173.3 | 1,421.8 | 1,480.3 | |
| + Exceptional Items | 0.0 | 0.0 | -15.9 | -15.9 | |
| Pretax Income | 959.6 | 1,173.3 | 1,405.9 | 1,464.4 | |
| + Current Tax | 217.5 | 249.3 | 308.2 | 320.1 | |
| + Deferred Tax | -7.6 | 12.2 | 1.9 | 3.3 | |
| Tax Expense | 210.0 | 261.4 | 310.0 | 323.4 | |
| Net Income | 749.6 | 911.8 | 1,095.9 | 1,141.0 | |
| + Net Income — Continuing Ops | 749.6 | 911.8 | 1,095.9 | 1,141.0 | |
| + Other Comprehensive Income | 0.4 | -3.8 | 6.2 | 7.4 | |
| Total Comprehensive Income | 750.1 | 908.0 | 1,102.1 | 1,148.3 | |
| Per Share | |||||
| Basic EPS | 18.99 | 21.43 | 25.31 | 26.28 | |
| Diluted EPS | 18.35 | 20.85 | 24.77 | 25.76 | |
| Revenue Detail — as filed | |||||
| + Fees & Commission Income | 174.2 | 199.4 | 210.8 | 210.4 | |
| + Net Gain on Fair Value Changes | 22.4 | 22.2 | 16.3 | 17.4 | |
| + Net Gain on Derecognition — Amortised Cost | 120.9 | 167.1 | 201.7 | 219.1 | |
| Expense Detail — as filed | |||||
| + Impairment on Financial Instruments | 41.2 | 57.1 | 67.6 | 72.5 | |
| Other Comprehensive Income — detail | |||||
| + Other Comprehensive Income | 0.4 | -3.8 | 6.2 | 7.4 | |
| + Items NOT to be Reclassified to P&L | 0.6 | 0.2 | 8.5 | — | |
| + Tax on Items NOT to be Reclassified | 0.1 | 0.1 | 2.1 | — | |
| + Tax on Items NOT to be Reclassified — alt tag | 0.1 | — | — | — | |
| + Items to be Reclassified to P&L | — | -5.3 | -0.2 | — | |
| + Tax on Items to be Reclassified | — | -1.3 | -0.0 | 6.6 | |
| Per Share — as-filed variants | |||||
| Basic EPS — Continuing Operations | 18.99 | 21.43 | 25.31 | 26.28 | |
| Diluted EPS — Continuing Operations | 18.35 | 20.85 | 24.77 | 25.76 | |
| Derived — Gross Profit (Revenue − Materials − Purchases − Δ Inventories) | |||||
| Gross Profit | 2,586.8 | 3,107.6 | 3,672.6 | 3,817.3 | |
| Gross Margin % | 100.00 | 100.00 | 100.00 | 100.00 | |
| Adjusted (ex-Exceptional Items) — derived | |||||
| Pretax Income (Adjusted, as filed) | 959.6 | 1,173.3 | 1,421.8 | 1,480.3 | |
| − Exceptional Items (reconciliation) | 0.0 | 0.0 | -15.9 | -15.9 | |
| Net Income Adj (tax-effected) | 749.6 | 911.8 | 1,108.3 | 1,153.4 | |
| EPS Adj | 18.99 | 21.43 | 25.60 | 26.57 | |
| Other Filed Concepts — mapped but not yet placed in the schedule | |||||
| Face Value | 10.00 | 10.00 | 10.00 | 10.00 | |
| Filed Debt Equity | 0.03 | 0.02 | 0.02 | 0.02 | |
| Filed Dscr | 0.01 | 0.00 | 0.00 | 0.00 | |
| Filed Iscr | 0.02 | 0.00 | 0.00 | 0.00 | |
| Interest Earned | 2,269.3 | 2,719.0 | 3,243.9 | 3,370.4 | |
| Paid Up Equity Capital | 394.8 | 431.4 | 435.7 | 437.3 | |