In ₹ Crore except Per Share 12 Months Ending | Q2 FY24 30/09/2023 | Q3 FY24 31/12/2023 | 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 | 394.8 | 413.5 | 407.6 | 477.3 | 513.0 | 533.1 | 523.2 | 519.7 | 535.4 | 555.2 | 616.5 | 669.9 | |
| Other Income | 3.2 | 16.0 | 20.2 | 13.7 | 6.1 | 10.0 | 14.3 | 0.7 | 0.6 | 0.7 | 1.0 | 0.3 | |
| Total Income | 398.0 | 429.5 | 427.7 | 491.0 | 519.1 | 543.0 | 537.5 | 520.4 | 536.0 | 555.9 | 617.5 | 670.3 | |
| Expenses | |||||||||||||
| + Employee Benefit Expense | 79.3 | 83.5 | 85.8 | 91.8 | 99.8 | 92.6 | 106.0 | 92.5 | 105.2 | 115.6 | 130.6 | 120.6 | |
| + Finance Costs | 166.9 | 175.8 | 173.3 | 202.4 | 214.2 | 221.3 | 215.9 | 218.0 | 213.8 | 208.1 | 239.4 | 272.7 | |
| + Depreciation & Amortisation | 9.5 | 9.7 | 9.5 | 11.0 | 11.8 | 12.8 | 13.3 | 12.4 | 13.1 | 14.1 | 15.0 | 14.3 | |
| + Other Expenses | 44.3 | 44.6 | 43.5 | 52.4 | 60.9 | 66.1 | 68.8 | 69.3 | 65.3 | 68.8 | 69.4 | 74.9 | |
| Total Expenses | 320.6 | 341.7 | 336.9 | 397.4 | 432.7 | 518.0 | 438.8 | 420.0 | 428.5 | 437.6 | 482.6 | 516.8 | |
| EBITDA | 250.6 | 257.3 | 253.5 | 293.4 | 306.3 | 249.1 | 313.5 | 330.0 | 333.8 | 339.7 | 388.3 | 440.1 | |
| EBIT | 241.1 | 247.6 | 244.0 | 282.4 | 294.6 | 236.3 | 300.3 | 317.7 | 320.7 | 325.7 | 373.3 | 425.9 | |
| Profit | |||||||||||||
| PBT before Exceptional Items | 77.4 | 87.8 | 90.9 | 93.6 | 86.4 | 25.0 | 98.7 | 100.4 | 107.5 | 118.3 | 134.9 | 153.5 | |
| Pretax Income | 77.4 | 87.8 | 90.9 | 93.6 | 86.4 | 25.0 | 98.7 | 100.4 | 107.5 | 118.3 | 134.9 | 153.5 | |
| + Current Tax | 20.5 | 16.1 | 21.6 | 24.0 | 21.9 | 21.3 | 34.5 | 27.7 | 25.7 | 34.0 | 33.7 | 43.9 | |
| + Deferred Tax | -0.8 | 6.3 | 1.6 | -0.6 | 0.0 | -15.0 | -7.5 | -2.3 | 1.6 | -3.7 | 0.7 | -4.8 | |
| Tax Expense | 19.6 | 22.4 | 23.2 | 23.4 | 21.9 | 6.3 | 27.0 | 25.3 | 27.3 | 30.4 | 34.4 | 39.1 | |
| Net Income | 57.8 | 65.4 | 67.7 | 70.2 | 64.6 | 18.8 | 71.7 | 75.0 | 80.2 | 87.9 | 100.5 | 114.4 | |
| + Net Income — Continuing Ops | 57.8 | 65.4 | 67.7 | 70.2 | 64.6 | 18.8 | 71.7 | 75.0 | 80.2 | 87.9 | 100.5 | 114.4 | |
| + Other Comprehensive Income | 13.8 | 8.5 | 25.8 | -16.0 | 8.6 | 39.7 | 9.3 | 7.0 | -12.4 | 5.0 | 15.4 | -46.7 | |
| Total Comprehensive Income | 71.6 | 73.9 | 93.4 | 54.2 | 73.2 | 58.5 | 80.9 | 82.0 | 67.8 | 92.9 | 115.9 | 67.7 | |
| Per Share | |||||||||||||
| Basic EPS | 1.78 | 1.92 | 1.83 | 1.90 | 1.74 | 0.50 | 1.92 | 2.01 | 2.15 | 2.35 | 2.69 | 3.05 | |
| Diluted EPS | 1.78 | 1.89 | 1.81 | 1.88 | 1.73 | 0.50 | 1.92 | 2.01 | 2.13 | 2.33 | 2.66 | 3.03 | |
| Revenue Detail — as filed | |||||||||||||
| + Fees & Commission Income | 17.0 | 16.2 | 18.2 | 17.2 | 27.3 | 21.6 | 19.6 | 25.2 | 22.6 | 23.8 | 25.1 | 24.1 | |
| + Net Gain on Fair Value Changes | 3.6 | 4.8 | 5.6 | 8.1 | 6.6 | 6.4 | 4.5 | 5.3 | 5.1 | 4.4 | 3.1 | 1.3 | |
| + Net Gain on Derecognition — Amortised Cost | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 3.1 | 0.0 | 0.0 | 0.0 | 0.0 | |
| Expense Detail — as filed | |||||||||||||
| + Fees & Commission Expense | 5.8 | 5.5 | 7.1 | 4.5 | 6.1 | 5.6 | 2.3 | 0.0 | -0.4 | -0.1 | 0.3 | 0.2 | |
| + Impairment on Financial Instruments | 14.8 | 22.7 | 17.7 | 35.2 | 39.9 | 119.6 | 32.5 | 27.8 | 31.5 | 31.1 | 27.9 | 34.1 | |
| Other Comprehensive Income — detail | |||||||||||||
| + Other Comprehensive Income | 13.8 | 8.5 | 25.8 | -16.0 | 8.6 | 39.7 | 9.3 | 7.0 | -12.4 | 5.0 | 15.4 | -46.7 | |
| + Items NOT to be Reclassified to P&L | 0.3 | -0.1 | -0.7 | -1.1 | 1.0 | -0.1 | 0.4 | -1.1 | 0.0 | 0.7 | -0.5 | -3.6 | |
| + Tax on Items NOT to be Reclassified | — | — | — | — | — | — | 0.1 | -0.3 | 0.0 | 0.0 | -0.1 | -0.9 | |
| + Tax on Items NOT to be Reclassified — alt tag | 0.1 | -0.0 | -0.2 | -0.3 | 0.2 | -0.0 | — | — | — | — | — | — | |
| + Items to be Reclassified to P&L | 18.2 | 11.5 | 35.3 | -20.2 | 10.6 | 53.1 | 12.6 | 10.4 | -16.5 | 4.3 | 20.9 | -59.1 | |
| + Tax on Items to be Reclassified | — | — | — | — | — | — | 3.6 | 2.6 | -4.2 | 0.0 | 5.2 | -15.1 | |
| + Tax on Items to be Reclassified — alt tag | 4.6 | 2.9 | 9.0 | -5.1 | 2.7 | 13.4 | — | — | — | — | — | — | |
| Per Share — as-filed variants | |||||||||||||
| Basic EPS — Continuing Operations | 1.78 | 1.92 | 1.83 | 1.90 | 1.74 | 0.50 | 1.92 | 2.01 | 2.15 | 2.35 | 2.69 | 3.05 | |
| Diluted EPS — Continuing Operations | 1.78 | 1.89 | 1.81 | 1.88 | 1.73 | 0.50 | 1.92 | 2.01 | 2.13 | 2.33 | 2.66 | 3.03 | |
| Regulatory Disclosures — filed alongside, not part of the P&L | |||||||||||||
| Related-party Transactions — During the Period | — | — | — | — | — | — | 75.5 | — | 62.0 | — | 69.8 | — | |
| Derived — Gross Profit (Revenue − Materials − Purchases − Δ Inventories) | |||||||||||||
| Gross Profit | 394.8 | 413.5 | 407.6 | 477.3 | 513.0 | 533.1 | 523.2 | 519.7 | 535.4 | 555.2 | 616.5 | 669.9 | |
| Gross Margin % | 100.00 | 100.00 | 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) | 77.4 | 87.8 | 90.9 | 93.6 | 86.4 | 25.0 | 98.7 | 100.4 | 107.5 | 118.3 | 134.9 | 153.5 | |
| Net Income Adj (tax-effected) | 57.8 | 65.4 | 67.7 | 70.2 | 64.6 | 18.8 | 71.7 | 75.0 | 80.2 | 87.9 | 100.5 | 114.4 | |
| EPS Adj | 1.78 | 1.92 | 1.83 | 1.90 | 1.74 | 0.50 | 1.92 | 2.01 | 2.15 | 2.35 | 2.69 | 3.05 | |
| 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 | 10.00 | 10.00 | |
| Filed Debt Equity | 0.05 | 0.04 | 0.04 | 0.04 | 0.04 | 0.04 | 0.04 | 0.04 | 0.04 | 0.04 | 0.05 | 0.05 | |
| Interest Earned | 374.2 | 392.4 | 383.8 | 452.0 | 479.1 | 505.1 | 499.2 | 486.1 | 507.7 | 527.0 | 588.3 | 644.6 | |
| Paid Up Equity Capital | 323.9 | 369.0 | 369.4 | 370.8 | 371.9 | 372.7 | 372.7 | 373.1 | 373.7 | 374.1 | 374.2 | 374.9 | |