In ₹ Crore except Per Share 12 Months Ending | Q4 FY24 31/03/2024 | Q1 FY25 30/06/2024 | Q2 FY25 30/09/2024 | Q3 FY25 31/12/2024 | Q4 FY25 31/03/2025 | Q1 FY26 30/06/2025 | Q2 FY26 30/09/2025 | Q3 FY26 31/12/2025 | Q4 FY26 31/03/2026 | Q1 FY27 30/06/2026 | |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue from Operations | 691.8 | 713.1 | 764.3 | 797.6 | 832.6 | 848.2 | 897.1 | 942.7 | 984.6 | 992.9 | |
| Other Income | 0.0 | 0.0 | 0.0 | 0.0 | 1.2 | 3.2 | 2.1 | 1.1 | 8.0 | 4.3 | |
| Total Income | 691.8 | 713.2 | 764.3 | 797.6 | 833.8 | 851.3 | 899.3 | 943.8 | 992.5 | 997.2 | |
| Expenses | |||||||||||
| + Employee Benefit Expense | 113.5 | 110.6 | 114.2 | 114.9 | 124.7 | 128.4 | 136.0 | 134.0 | 155.1 | 163.2 | |
| + Finance Costs | 261.9 | 277.0 | 285.2 | 296.9 | 314.7 | 331.9 | 341.6 | 347.5 | 343.3 | 376.4 | |
| + Depreciation & Amortisation | 5.8 | 6.1 | 6.2 | 6.5 | 6.5 | 7.1 | 7.3 | 7.1 | 10.6 | 9.1 | |
| + Other Expenses | 56.2 | 43.5 | 52.9 | 53.0 | 65.7 | 52.0 | 58.5 | 62.0 | 75.1 | 53.2 | |
| Total Expenses | 433.2 | 455.9 | 471.9 | 490.0 | 517.9 | 546.2 | 556.5 | 568.1 | 594.3 | 633.6 | |
| EBITDA | 526.2 | 540.4 | 583.8 | 611.0 | 635.8 | 641.1 | 689.5 | 729.2 | 744.2 | 744.8 | |
| EBIT | 520.5 | 534.2 | 577.6 | 604.5 | 629.4 | 633.9 | 682.2 | 722.1 | 733.6 | 735.7 | |
| Profit | |||||||||||
| PBT before Exceptional Items | 258.6 | 257.2 | 292.4 | 307.7 | 315.9 | 305.2 | 342.7 | 375.7 | 398.3 | 363.6 | |
| + Exceptional Items | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | -15.9 | 0.0 | 0.0 | |
| Pretax Income | 258.6 | 257.2 | 292.4 | 307.7 | 315.9 | 305.2 | 342.7 | 359.8 | 398.3 | 363.6 | |
| + Current Tax | 60.9 | 57.4 | 67.0 | 69.7 | 55.2 | 66.5 | 74.7 | 78.4 | 88.6 | 78.5 | |
| + Deferred Tax | -4.0 | -0.3 | -2.1 | -1.3 | 15.9 | 1.4 | 1.6 | 0.1 | -1.3 | 2.8 | |
| Tax Expense | 56.9 | 57.1 | 64.9 | 68.3 | 71.1 | 67.9 | 76.3 | 78.6 | 87.3 | 81.3 | |
| Net Income | 201.8 | 200.1 | 227.5 | 239.3 | 244.8 | 237.3 | 266.5 | 281.2 | 310.9 | 282.4 | |
| + Net Income — Continuing Ops | 201.8 | 200.1 | 227.5 | 239.3 | 244.8 | 237.3 | 266.5 | 281.2 | 310.9 | 282.4 | |
| + Other Comprehensive Income | 0.2 | 0.0 | 0.0 | 0.0 | -3.8 | -2.8 | -1.1 | 0.9 | 9.3 | -1.7 | |
| Total Comprehensive Income | 201.9 | 200.1 | 227.5 | 239.3 | 241.0 | 234.4 | 265.3 | 282.1 | 320.2 | 280.7 | |
| Net Income to Common | 0.0 | 200.1 | 0.0 | 0.0 | 0.0 | 0.0 | — | — | — | — | |
| Per Share | |||||||||||
| Basic EPS | 5.11 | 4.86 | 5.31 | 5.56 | 5.68 | 5.50 | 6.16 | 6.49 | 7.16 | 6.47 | |
| Diluted EPS | 4.89 | 4.66 | 5.16 | 5.42 | 5.55 | 5.37 | 6.03 | 6.36 | 7.01 | 6.36 | |
| Revenue Detail — as filed | |||||||||||
| + Fees & Commission Income | 51.3 | 41.2 | 43.4 | 36.1 | 54.4 | 50.8 | 49.6 | 51.3 | 59.1 | 50.4 | |
| + Net Gain on Fair Value Changes | 7.4 | 5.6 | 5.7 | 4.1 | 6.9 | 4.8 | 4.1 | 3.9 | 3.5 | 5.9 | |
| + Net Gain on Derecognition — Amortised Cost | 37.0 | 31.9 | 42.7 | 43.6 | 48.9 | 32.5 | 44.1 | 54.6 | 70.5 | 49.9 | |
| Expense Detail — as filed | |||||||||||
| + Impairment on Financial Instruments | -4.1 | 18.7 | 13.3 | 18.7 | 6.4 | 26.7 | 13.2 | 17.5 | 10.2 | 31.7 | |
| Other Comprehensive Income — detail | |||||||||||
| + Other Comprehensive Income | 0.2 | 0.0 | 0.0 | 0.0 | -3.8 | -2.8 | -1.1 | 0.9 | 9.3 | -1.7 | |
| + Items NOT to be Reclassified to P&L | 0.2 | 0.0 | — | — | 0.2 | — | — | — | 1.0 | — | |
| + Tax on Items NOT to be Reclassified | — | — | — | — | 0.1 | — | 0.0 | -5.6 | 0.3 | — | |
| + Tax on Items NOT to be Reclassified — alt tag | 0.1 | 0.0 | — | — | — | — | — | — | — | — | |
| + Items to be Reclassified to P&L | — | — | — | — | -5.3 | -3.8 | -1.5 | — | 11.5 | -2.3 | |
| + Tax on Items to be Reclassified | — | — | — | — | -1.3 | -1.0 | -0.4 | 4.7 | 2.9 | -0.6 | |
| Comprehensive Income — Owners of Parent | 0.0 | 200.1 | 0.0 | 0.0 | 0.0 | 0.0 | — | — | — | — | |
| Per Share — as-filed variants | |||||||||||
| Basic EPS — Continuing Operations | 5.11 | 4.86 | 5.31 | 5.56 | 5.68 | 5.50 | 6.16 | 6.49 | 7.16 | 6.47 | |
| Diluted EPS — Continuing Operations | 4.89 | 4.66 | 5.16 | 5.42 | 5.55 | 5.37 | 6.03 | 6.36 | 7.01 | 6.36 | |
| Derived — Gross Profit (Revenue − Materials − Purchases − Δ Inventories) | |||||||||||
| Gross Profit | 691.8 | 713.1 | 764.3 | 797.6 | 832.6 | 848.2 | 897.1 | 942.7 | 984.6 | 992.9 | |
| Gross Margin % | 100.00 | 100.00 | 100.00 | 100.00 | 100.00 | 100.00 | 100.00 | 100.00 | 100.00 | 100.00 | |
| Adjusted (ex-Exceptional Items) — derived | |||||||||||
| Pretax Income (Adjusted, as filed) | 258.6 | 257.2 | 292.4 | 307.7 | 315.9 | 305.2 | 342.7 | 375.7 | 398.3 | 363.6 | |
| − Exceptional Items (reconciliation) | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | -15.9 | 0.0 | 0.0 | |
| Net Income Adj (tax-effected) | 201.8 | 200.1 | 227.5 | 239.3 | 244.8 | 237.3 | 266.5 | 293.7 | 310.9 | 282.4 | |
| EPS Adj | 5.11 | 4.86 | 5.31 | 5.56 | 5.68 | 5.50 | 6.16 | 6.78 | 7.16 | 6.47 | |
| Other Filed Concepts — mapped but not yet placed in the schedule | |||||||||||
| Face Value | 10.00 | 10.00 | 10.00 | 10.00 | 10.00 | 10.00 | 10.00 | 10.00 | 10.00 | 10.00 | |
| Filed Debt Equity | 0.03 | 0.02 | 0.02 | 0.02 | 0.02 | 0.02 | 0.02 | 0.02 | 0.02 | 0.02 | |
| Filed Dscr | 0.01 | 0.01 | 0.02 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | |
| Filed Iscr | 0.02 | 0.02 | 0.02 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | |
| Interest Earned | 596.0 | 634.4 | 672.6 | 713.9 | 722.4 | 760.1 | 799.4 | 833.0 | 851.5 | 886.6 | |
| Paid Up Equity Capital | 394.8 | 426.5 | 429.8 | 430.7 | 431.4 | 432.1 | 433.1 | 433.8 | 435.7 | 437.3 | |