In ₹ Crore except Per Share 12 Months Ending | FY25 31/03/2025 | FY26 31/03/2026 | Last 12M 30/06/2026 | |
|---|---|---|---|---|
| Revenue from Operations | 2,341.6 | 2,690.2 | 2,870.0 | |
| Other Income | 14.1 | 10.1 | 10.9 | |
| Total Income | 2,355.7 | 2,700.3 | 2,880.9 | |
| Expenses | ||||
| + Employee Benefit Expense | 284.7 | 330.8 | 347.4 | |
| + Finance Costs | 828.4 | 894.8 | 938.3 | |
| + Depreciation & Amortisation | 17.9 | 18.8 | 18.5 | |
| + Other Expenses | 143.3 | 186.2 | 206.0 | |
| Total Expenses | 1,967.6 | 2,156.2 | 2,288.8 | |
| EBITDA | 1,220.2 | 1,447.7 | 1,538.1 | |
| EBIT | 1,202.3 | 1,428.9 | 1,519.5 | |
| Profit | ||||
| PBT before Exceptional Items | 388.1 | 544.1 | 592.1 | |
| Pretax Income | 388.1 | 544.1 | 592.1 | |
| + Current Tax | 154.0 | 134.1 | 138.9 | |
| + Deferred Tax | -69.2 | -2.1 | 5.8 | |
| Tax Expense | 84.8 | 132.0 | 144.7 | |
| + Share of Associates & JVs | -2.0 | -8.6 | -8.0 | |
| Net Income | 301.3 | 403.6 | 439.4 | |
| + Net Income — Continuing Ops | 303.3 | 412.2 | 447.4 | |
| + Other Comprehensive Income | -29.3 | 41.1 | 79.2 | |
| Total Comprehensive Income | 272.0 | 444.7 | 518.7 | |
| Net Income to Common | 304.5 | 406.0 | 439.3 | |
| Minority Interest | -3.2 | -2.4 | 0.1 | |
| Per Share | ||||
| Basic EPS | 20.08 | 24.99 | 27.21 | |
| Diluted EPS | 20.03 | 24.82 | 26.97 | |
| Revenue Detail — as filed | ||||
| + Fees & Commission Income | 92.6 | 97.5 | 90.6 | |
| + Net Gain on Fair Value Changes | 31.7 | 26.4 | 20.7 | |
| + Net Loss on Fair Value Changes | 0.0 | 0.0 | 11.6 | |
| + Net Gain on Derecognition — Amortised Cost | 41.2 | 133.9 | 130.0 | |
| Expense Detail — as filed | ||||
| + Fees & Commission Expense | 288.5 | 313.6 | 346.9 | |
| + Impairment on Financial Instruments | 404.8 | 411.9 | 420.0 | |
| Other Comprehensive Income — detail | ||||
| + Other Comprehensive Income | -29.3 | 41.1 | 79.2 | |
| + Items NOT to be Reclassified to P&L | -1.1 | -0.5 | -1.0 | |
| + Tax on Items NOT to be Reclassified | -0.3 | -0.1 | -0.3 | |
| + Items to be Reclassified to P&L | -38.1 | 55.5 | 106.9 | |
| + Tax on Items to be Reclassified | -9.6 | 14.0 | 26.9 | |
| Comprehensive Income — Owners of Parent | 275.3 | 447.1 | 518.5 | |
| Comprehensive Income — Non-controlling Interests | -3.3 | -2.4 | 0.1 | |
| Per Share — as-filed variants | ||||
| Basic EPS — Continuing Operations | 20.08 | 24.99 | 27.21 | |
| Diluted EPS — Continuing Operations | 20.03 | 24.82 | 26.97 | |
| Derived — Gross Profit (Revenue − Materials − Purchases − Δ Inventories) | ||||
| Gross Profit | 2,341.6 | 2,690.2 | 2,870.0 | |
| Gross Margin % | 100.00 | 100.00 | 100.00 | |
| Adjusted (ex-Exceptional Items) — derived | ||||
| Pretax Income (Adjusted, as filed) | 388.1 | 544.1 | 592.1 | |
| Net Income Adj (tax-effected) | 301.3 | 403.6 | 439.4 | |
| EPS Adj | 20.08 | 24.99 | 27.21 | |
| Other Filed Concepts — mapped but not yet placed in the schedule | ||||
| Face Value | 10.00 | 10.00 | 10.00 | |
| Filed Debt Equity | 0.03 | 0.03 | 0.03 | |
| Interest Earned | 2,176.1 | 2,432.6 | 2,628.7 | |
| Paid Up Equity Capital | 161.4 | 161.6 | 161.6 | |