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 | 273.3 | 296.3 | 312.8 | 336.4 | 372.9 | 405.9 | 414.7 | 453.6 | 477.3 | 482.2 | 501.4 | 538.0 | |
| Other Income | 4.7 | 4.7 | 5.0 | 4.9 | 1.3 | 1.5 | 1.5 | 1.7 | 1.7 | 1.4 | 3.3 | 1.8 | |
| Total Income | 278.0 | 301.0 | 317.7 | 341.3 | 374.2 | 407.5 | 416.2 | 455.3 | 479.0 | 483.7 | 504.7 | 539.8 | |
| Expenses | |||||||||||||
| + Employee Benefit Expense | 36.9 | 39.0 | 36.6 | 41.6 | 50.3 | 50.8 | 51.8 | 60.4 | 59.9 | 63.6 | 64.9 | 76.2 | |
| + Finance Costs | 117.0 | 130.2 | 145.9 | 156.8 | 175.6 | 192.6 | 190.3 | 200.3 | 202.6 | 194.1 | 195.3 | 208.4 | |
| + Depreciation & Amortisation | 2.8 | 3.0 | 3.2 | 3.5 | 3.6 | 4.1 | 4.3 | 4.4 | 4.5 | 4.9 | 5.1 | 5.3 | |
| + Other Expenses | 16.8 | 19.0 | 18.6 | 20.5 | 18.7 | 20.3 | 24.2 | 22.1 | 23.6 | 24.1 | 28.4 | 26.3 | |
| Total Expenses | 181.5 | 198.3 | 207.0 | 227.8 | 253.9 | 277.6 | 278.3 | 298.8 | 305.8 | 300.8 | 309.5 | 332.2 | |
| EBITDA | 211.6 | 231.3 | 254.9 | 268.8 | 298.2 | 325.1 | 331.0 | 359.5 | 378.7 | 380.4 | 392.3 | 419.6 | |
| EBIT | 208.8 | 228.3 | 251.6 | 265.4 | 294.6 | 320.9 | 326.7 | 355.1 | 374.1 | 375.5 | 387.2 | 414.3 | |
| Profit | |||||||||||||
| PBT before Exceptional Items | 96.4 | 102.7 | 110.7 | 113.5 | 120.4 | 129.8 | 137.9 | 156.5 | 173.2 | 182.8 | 195.2 | 207.6 | |
| Pretax Income | 96.4 | 102.7 | 110.7 | 113.5 | 120.4 | 129.8 | 137.9 | 156.5 | 173.2 | 182.8 | 195.2 | 207.6 | |
| + Current Tax | 23.3 | 23.8 | 27.0 | 25.4 | 26.2 | 32.0 | 30.3 | 38.1 | 40.7 | 42.2 | 45.3 | 50.0 | |
| + Deferred Tax | -1.2 | 0.1 | 0.2 | 0.3 | 2.0 | 0.4 | 2.9 | -0.5 | 0.7 | 0.4 | 0.4 | -2.2 | |
| Tax Expense | 22.1 | 23.9 | 27.3 | 25.8 | 28.1 | 32.4 | 33.2 | 37.6 | 41.4 | 42.6 | 45.7 | 47.8 | |
| Net Income | 74.3 | 78.8 | 83.5 | 87.8 | 92.2 | 97.4 | 104.7 | 118.9 | 131.8 | 140.2 | 149.4 | 159.9 | |
| + Net Income — Continuing Ops | 74.3 | 78.8 | 83.5 | 87.8 | 92.2 | 97.4 | 104.7 | 118.9 | 131.8 | 140.2 | 149.4 | 159.9 | |
| + Other Comprehensive Income | -0.2 | -0.1 | 0.1 | -0.1 | -0.3 | -0.2 | 0.2 | -1.0 | 1.2 | -0.9 | 0.0 | 6.1 | |
| Total Comprehensive Income | 74.1 | 78.7 | 83.6 | 87.7 | 91.9 | 97.2 | 104.9 | 117.9 | 133.0 | 139.3 | 149.5 | 166.0 | |
| Per Share | |||||||||||||
| Basic EPS | 8.43 | 8.93 | 9.43 | 9.90 | 10.36 | 10.90 | 11.65 | 11.69 | 12.76 | 13.52 | 14.35 | 15.31 | |
| Diluted EPS | 8.17 | 8.65 | 9.16 | 9.65 | 10.07 | 10.65 | 11.45 | 11.48 | 12.53 | 13.34 | 14.22 | 15.19 | |
| Revenue Detail — as filed | |||||||||||||
| + Fees & Commission Income | 2.3 | 2.4 | 2.9 | 3.1 | 9.5 | 15.4 | 17.3 | 19.3 | 21.3 | 20.1 | 22.0 | 23.4 | |
| + Net Gain on Fair Value Changes | 5.6 | 8.0 | 11.3 | 9.7 | 10.1 | 12.2 | 3.1 | 13.9 | 20.5 | 5.2 | 9.8 | 14.1 | |
| + Net Gain on Derecognition — Amortised Cost | 15.1 | 20.6 | 14.8 | 19.5 | 20.2 | 21.5 | 30.0 | 24.7 | 25.0 | 26.7 | 35.8 | 36.5 | |
| Expense Detail — as filed | |||||||||||||
| + Impairment on Financial Instruments | 8.0 | 7.0 | 2.7 | 5.6 | 5.7 | 9.8 | 7.7 | 11.7 | 15.2 | 14.2 | 15.8 | 15.9 | |
| Other Comprehensive Income — detail | |||||||||||||
| + Other Comprehensive Income | -0.2 | -0.1 | 0.1 | -0.1 | -0.3 | -0.2 | 0.2 | -1.0 | 1.2 | -0.9 | 0.0 | 6.1 | |
| + Items NOT to be Reclassified to P&L | -0.3 | -0.2 | 0.2 | -0.1 | -0.4 | -0.3 | 0.3 | -0.1 | -0.3 | -0.0 | 0.5 | -0.3 | |
| + Tax on Items NOT to be Reclassified | — | — | — | — | — | — | 0.1 | -0.0 | -0.1 | -0.0 | 0.1 | -0.1 | |
| + Tax on Items NOT to be Reclassified — alt tag | -0.1 | -0.0 | 0.0 | -0.0 | -0.1 | -0.1 | — | — | — | — | — | — | |
| + Items to be Reclassified to P&L | — | — | — | — | — | — | — | -1.2 | 1.9 | -1.2 | -0.5 | 8.5 | |
| + Tax on Items to be Reclassified | — | — | — | — | — | — | — | -0.3 | 0.5 | -0.3 | -0.1 | 2.1 | |
| Per Share — as-filed variants | |||||||||||||
| Basic EPS — Continuing Operations | 8.43 | 8.93 | 9.43 | 9.90 | 10.36 | 10.90 | 11.65 | 11.69 | 12.76 | 13.52 | 14.35 | 15.31 | |
| Diluted EPS — Continuing Operations | 8.17 | 8.65 | 9.16 | 9.65 | 10.07 | 10.65 | 11.45 | 11.48 | 12.53 | 13.34 | 14.22 | 15.19 | |
| Regulatory Disclosures — filed alongside, not part of the P&L | |||||||||||||
| Related-party Transactions — During the Period | — | — | — | — | — | — | 5.9 | — | 3.5 | — | 6.7 | — | |
| Derived — Gross Profit (Revenue − Materials − Purchases − Δ Inventories) | |||||||||||||
| Gross Profit | 273.3 | 296.3 | 312.8 | 336.4 | 372.9 | 405.9 | 414.7 | 453.6 | 477.3 | 482.2 | 501.4 | 538.0 | |
| 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) | 96.4 | 102.7 | 110.7 | 113.5 | 120.4 | 129.8 | 137.9 | 156.5 | 173.2 | 182.8 | 195.2 | 207.6 | |
| Net Income Adj (tax-effected) | 74.3 | 78.8 | 83.5 | 87.8 | 92.2 | 97.4 | 104.7 | 118.9 | 131.8 | 140.2 | 149.4 | 159.9 | |
| EPS Adj | 8.43 | 8.93 | 9.43 | 9.90 | 10.36 | 10.90 | 11.65 | 11.69 | 12.76 | 13.52 | 14.35 | 15.31 | |
| Other Filed Concepts — mapped but not yet placed in the schedule | |||||||||||||
| Face Value | 2.00 | 2.00 | 2.00 | 2.00 | 2.00 | 2.00 | 2.00 | 2.00 | 2.00 | 2.00 | 2.00 | 2.00 | |
| Interest Earned | 249.1 | 264.6 | 282.7 | 303.2 | 332.2 | 355.8 | 362.9 | 394.4 | 409.1 | 428.8 | 431.7 | 462.0 | |
| Paid Up Equity Capital | 17.6 | 17.7 | 17.7 | 17.8 | 17.8 | 17.9 | 18.0 | 20.6 | 20.7 | 20.8 | 20.9 | 20.9 | |