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 | 537.6 | 595.6 | 642.1 | 632.7 | 656.9 | 684.1 | 621.1 | 708.6 | 787.9 | 747.5 | 919.5 | 762.1 | |
| Other Income | 0.9 | 0.7 | 4.8 | 1.7 | 0.6 | 3.5 | 1.4 | 4.7 | 4.9 | 5.2 | 3.0 | 2.6 | |
| Total Income | 538.5 | 596.3 | 646.9 | 634.4 | 657.5 | 687.6 | 622.5 | 713.3 | 792.8 | 752.7 | 922.6 | 764.7 | |
| Expenses | |||||||||||||
| + Employee Benefit Expense | 110.4 | 116.3 | 116.8 | 124.9 | 143.3 | 149.9 | 168.1 | 161.8 | 172.8 | 173.4 | 189.3 | 187.7 | |
| + Finance Costs | 216.7 | 246.9 | 252.0 | 251.0 | 266.1 | 267.8 | 263.7 | 297.1 | 344.3 | 289.2 | 380.8 | 250.9 | |
| + Depreciation & Amortisation | 6.1 | 5.8 | 6.4 | 5.7 | 6.7 | 7.3 | 7.6 | 6.2 | 6.9 | 8.1 | 9.1 | 7.9 | |
| + Other Expenses | 31.6 | 38.9 | 33.6 | 41.0 | 42.4 | 45.0 | 55.2 | 47.2 | 56.8 | 58.1 | 53.1 | 50.9 | |
| Total Expenses | 395.4 | 445.1 | 475.8 | 493.3 | 595.9 | 672.6 | 604.3 | 655.2 | 724.1 | 659.6 | 710.4 | 603.5 | |
| EBITDA | 364.9 | 403.2 | 424.6 | 396.0 | 333.8 | 286.6 | 288.0 | 356.7 | 414.9 | 385.2 | 599.0 | 417.4 | |
| EBIT | 358.9 | 397.4 | 418.3 | 390.3 | 327.1 | 279.3 | 280.5 | 350.5 | 408.1 | 377.1 | 590.0 | 409.5 | |
| Profit | |||||||||||||
| PBT before Exceptional Items | 143.1 | 151.2 | 171.1 | 141.0 | 61.6 | 14.9 | 18.2 | 58.1 | 68.7 | 93.1 | 212.2 | 161.2 | |
| Pretax Income | 143.1 | 151.2 | 171.1 | 141.0 | 61.6 | 14.9 | 18.2 | 58.1 | 68.7 | 93.1 | 212.2 | 161.2 | |
| + Current Tax | 0.1 | 22.9 | 45.5 | 50.4 | 37.2 | 3.6 | -11.4 | 23.1 | -3.2 | 1.0 | 1.7 | 46.0 | |
| + Deferred Tax | 36.2 | 15.2 | -2.6 | -14.7 | -20.4 | -2.9 | 7.8 | -10.1 | 18.7 | 20.3 | 48.4 | -7.4 | |
| Tax Expense | 36.3 | 38.1 | 42.9 | 35.7 | 16.9 | 0.7 | -3.7 | 13.0 | 15.5 | 21.2 | 50.1 | 38.6 | |
| Net Income | 106.8 | 113.1 | 128.2 | 105.3 | 44.7 | 14.3 | 21.9 | 45.1 | 53.2 | 71.9 | 162.0 | 122.6 | |
| + Net Income — Continuing Ops | 106.8 | 113.1 | 128.2 | 105.3 | 44.7 | 14.3 | 21.9 | 45.1 | 53.2 | 71.9 | 162.0 | 122.6 | |
| + Other Comprehensive Income | 1.2 | 9.3 | 7.1 | 1.0 | -10.9 | -1.2 | -33.2 | -16.9 | -3.9 | 0.4 | 7.1 | -2.5 | |
| Total Comprehensive Income | 107.9 | 122.4 | 135.3 | 106.3 | 33.8 | 13.0 | -11.3 | 28.2 | 49.2 | 72.3 | 169.1 | 120.2 | |
| Net Income to Common | 106.8 | 113.1 | — | 105.3 | 44.7 | 14.3 | 21.9 | 45.1 | 53.2 | 71.9 | 162.0 | 122.7 | |
| Minority Interest | 0.0 | 0.0 | — | 0.0 | 0.0 | 0.0 | — | 0.0 | — | — | 0.0 | -0.0 | |
| Per Share | |||||||||||||
| Basic EPS | 10.93 | 11.23 | 11.66 | 9.57 | 4.06 | 1.30 | 1.99 | 4.10 | 4.83 | 6.54 | 14.73 | 11.15 | |
| Diluted EPS | 10.93 | 11.23 | 11.66 | 9.57 | 4.06 | 1.30 | 1.99 | 4.10 | 4.83 | 6.54 | 14.73 | 11.15 | |
| Revenue Detail — as filed | |||||||||||||
| + Rental Income | 0.1 | 0.1 | 0.1 | — | 0.1 | — | 0.1 | 0.1 | 0.1 | 0.1 | 0.1 | 0.1 | |
| + Fees & Commission Income | 14.3 | 15.4 | 19.4 | — | 8.4 | — | 8.8 | 5.0 | 7.5 | 7.0 | 8.7 | 8.9 | |
| + Net Gain on Fair Value Changes | 8.6 | 0.6 | 3.5 | — | 6.2 | — | -8.3 | 32.7 | 88.4 | 24.4 | 131.7 | -56.7 | |
| + Net Gain on Derecognition — Amortised Cost | 68.3 | 79.5 | 89.2 | — | 65.0 | — | 30.6 | 49.3 | 70.1 | 101.4 | 144.7 | 94.1 | |
| Expense Detail — as filed | |||||||||||||
| + Impairment on Financial Instruments | 30.6 | 37.1 | 67.1 | — | 137.4 | — | 109.8 | 142.9 | 143.3 | 130.7 | 78.0 | 106.1 | |
| Other Comprehensive Income — detail | |||||||||||||
| + Other Comprehensive Income | 1.2 | 9.3 | 7.1 | — | -10.9 | — | -33.2 | -16.9 | -3.9 | 0.4 | 7.1 | -2.5 | |
| + Items NOT to be Reclassified to P&L | -8.9 | 0.0 | -1.4 | -3.8 | -9.9 | -3.1 | -35.4 | -17.8 | -1.8 | 0.4 | -10.1 | -8.8 | |
| + Tax on Items NOT to be Reclassified | — | — | — | — | — | — | -8.9 | -4.5 | -0.5 | 0.1 | -2.6 | -2.2 | |
| + Tax on Items NOT to be Reclassified — alt tag | -2.2 | 0.0 | -0.4 | -1.0 | -2.5 | -0.8 | — | — | — | — | — | — | |
| + Items to be Reclassified to P&L | 10.4 | 12.4 | 10.9 | 5.1 | -4.6 | 1.4 | -8.9 | -4.8 | -3.4 | 0.1 | 19.5 | 5.5 | |
| + Tax on Items to be Reclassified | — | — | — | — | — | — | -2.3 | -1.2 | -0.9 | 0.0 | 4.9 | 1.4 | |
| + Tax on Items to be Reclassified — alt tag | 2.6 | 3.1 | 2.7 | 1.3 | -1.2 | 0.4 | — | — | — | — | — | — | |
| Comprehensive Income — Owners of Parent | 107.9 | 122.4 | 135.3 | 106.3 | -10.9 | -1.2 | -11.3 | 28.2 | 49.2 | 72.3 | 169.1 | 120.2 | |
| Comprehensive Income — Non-controlling Interests | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | — | — | — | 0.0 | -0.0 | |
| Per Share — as-filed variants | |||||||||||||
| Basic EPS — Continuing Operations | 10.93 | 11.23 | 11.66 | 9.57 | 4.06 | 1.30 | 1.99 | 4.10 | 4.83 | 6.54 | 14.73 | 11.15 | |
| Diluted EPS — Continuing Operations | 10.93 | 11.23 | 11.66 | 9.57 | 4.06 | 1.30 | 1.99 | 4.10 | 4.83 | 6.54 | 14.73 | 11.15 | |
| Derived — Gross Profit (Revenue − Materials − Purchases − Δ Inventories) | |||||||||||||
| Gross Profit | 537.6 | 595.6 | 642.1 | 632.7 | 656.9 | 684.1 | 621.1 | 708.6 | 787.9 | 747.5 | 919.5 | 762.1 | |
| 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) | 143.1 | 151.2 | 171.1 | 141.0 | 61.6 | 14.9 | 18.2 | 58.1 | 68.7 | 93.1 | 212.2 | 161.2 | |
| Net Income Adj (tax-effected) | 106.8 | 113.1 | 128.2 | 105.3 | 44.7 | 14.3 | 21.9 | 45.1 | 53.2 | 71.9 | 162.0 | 122.6 | |
| EPS Adj | 10.93 | 11.23 | 11.66 | 9.57 | 4.06 | 1.30 | 1.99 | 4.10 | 4.83 | 6.54 | 14.73 | 11.15 | |
| 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 | 0.04 | 0.04 | 0.03 | 0.03 | 0.03 | 0.03 | 0.03 | 0.04 | 0.04 | 0.04 | 0.04 | 0.04 | |
| Interest Earned | 443.9 | 499.0 | 529.3 | — | 576.8 | — | 589.1 | 620.7 | 620.6 | 614.0 | 631.1 | 714.0 | |
| Paid Up Equity Capital | 99.2 | 110.0 | 110.0 | 110.0 | 110.0 | 110.0 | 110.0 | 110.0 | 110.0 | 110.0 | 110.0 | 110.1 | |