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These terms and conditions ("WhatsApp Terms and Conditions" as amended from time to time) are applicable to the Customers (defined hereinafter) that avail the Services (defined hereinafter) provided thereon by ICICI Securities Limited ("ICICI Securities") on the WhatsApp platform.

The WhatsApp Terms and Conditions shall be in addition to any other terms and conditions as stipulated by the ICICI Securities from time to time on its website (www.icicidirect.com) whether pertaining to the account or in relation to other products, services or facilities provided by ICICI Securities.

Any services that may be offered to the customer through the WhatsApp platform ("WhatsApp") is at the discretion of the ICICI Securities and/or basis the eligibility criteria of a customer and such services are subject to certain terms and conditions. In case of conflict between any of these WhatsApp Terms and Conditions and the terms and conditions for other services provided on the WhatsApp channel, specific terms and conditions of such services shall prevail.

Further, in case of inconsistency between the WhatsApp Terms and Conditions and any specific terms and conditions pertaining to account or any specific service/product/offer, the specific terms and conditions of that particular service/product/offer shall prevail.

1. DEFINITIONS

"Trading Account" refers to the trading account maintained by the Customer with ICICI Securities.

"Trading Account Related Services" shall mean the Services which pertain to information in relation to the Trading Account maintained with ICICI Securities by customer including but not limited to portfolio valuation, stock quote, order details, trade details etc which are enabled by ICICI Securities, from time to time, at its sole discretion.

"Registered ICICI Securities Number" is the authorized number of ICICI Securities, registered with WhatsApp for the purposes of providing Services herein.

"Customer" shall mean any person holding Trading Account or any prospective customer with ICICI Securities and interacting with ICICI Securities on WhatsApp using the Registered ICICI Securities Number / using the Services provided by ICICI Securities through WhatsApp. "Customer Information" refers to the personal data or information or such other data or information including any sensitive personal data in relation to the Customer such as information in relation to the trading account of the Customer, shared by the Customer or provided to the Customer by ICICI Securities or collected or obtained from the Customer or from WhatsApp or from any such source in the course of the Customer availing the Services hereunder.

"One Way Communication" shall mean the service provided by ICICI Securities to the Customer on WhatsApp where ICICI Securities sends its Customer one-way messages through its Registered ICICI Securities Number in the nature of information, alerts, updates, transaction alerts in relation to the Customer's Trading Account and such other communications as ICICI Securities may enable from time to time, at its discretion.

"Privacy Policy/Privacy Commitment" shall have the meaning as ascribed on the Website; "Service(s)" shall mean the One Way Communication and Two Way Communication services provided by ICICI Securities by itself or through any of its service providers, to a Customer on WhatsApp.

"Two Way Communication" shall mean the service provided by ICICI Securities to the Customers on WhatsApp where the Customer can communicate with ICICI Securities by sending it messages in the form of making requests, seeking information, asking queries etc. on the Registered ICICI Securities Number and where ICICI Securities responds to such messages. However, this service and ICICI Securities responses shall be limited only to such queries, information, requests etc. as may be determined by ICICI Securities from time to time, at its sole discretion.

"WhatsApp" is the application provided by WhatsApp Inc. 1601 Willow Road, Menlo Park, California 94025.

2. INTERPRETATION

All references to singular include plural and vice versa and the word "includes" should be construed as "without limitation".
Words importing any gender include the other gender. 'We/us' refers to ICICI Securities and 'You/yours' refer to the customer using the WhatsApp facility.
Reference to any statute, ordinance or other law includes all regulations and other instruments and all consolidations,amendments, re-enactments or replacements for the time being in force.
All headings, bold typing and italics (if any) have been inserted for convenience of reference only and do not define limit or affect the meaning or interpretation of these Terms and Conditions.
Reference to any law or legislation, regulation, rule shall mean, applicable, constitution, statute, law, rule, regulation, ordinance, judgment, order, decree, authorisation, or any published directive, guideline, notice, requirement or governmental restriction, having the force of law in any jurisdiction and include laws as amended from time to time.

3. PURPOSE

This WhatsApp platform serves as a supplementary medium through which we can communicate with you and provide Services and further enable certain services as ICICI Securities may decide in its sole discretion.

4. ELIGIBILITY FOR USING THE SERVICES

The Customer hereby agrees and undertakes that he/she shall use the Services only if he/she fulfills the eligibility as given below:

The Customer is an individual and is a major;
The Customer is a Guardian of a minor;
The Customer is of sound mind, solvent and competent to contract;
The Customer is a resident of India and is present in the territory of India at the time of utilization of the Services;
The Customer is a non-resident India (NRI) or is residing outside India.
The Customer is Principal Authorised Signatory of the Non Individual Account.

5. APPLICABILITY OF WHATSAPP TERMS AND CONDITIONS

These WhatsApp Terms and Conditions form a contract between the Customer and ICICI Securities. The Customer shall apply to ICICI Securities in the prescribed manner for availing of the Services. By applying and opting in for the Services, the Customer acknowledges that he has read, understood and accepted these WhatsApp Terms and Conditions and other specific terms and conditions as pertaining to the Account and any other products/offers/facilities and services availed by the Customer whether or not through WhatsApp.

No act, delay or omission by ICICI Securities shall affect its rights, powers and remedies under these Terms and Conditions and other terms on ICICI Securities website (www.icicidirect.com), hereinafter referred to as "Website".

The Customer hereby accepts and agrees that all Services and communications (both One Way Communication and Two Way Communication) taking place on WhatsApp, initiated either by ICICI Securities or the Customer, will be governed by and subject to these WhatsApp Terms and Conditions. Further, the Customer hereby agrees that the Customer grants express authority to ICICI Securities for carrying out the Services requested by the Customer on WhatsApp on its Registered ICICI Securities Number. Provided however that ICICI Securities shall not be required to authenticate the Customer, if any request for the Services comes on WhatsApp to ICICI Securities Registered Number, and in case of a Customer, if the number reflected in the requestor's mobile is a Customer's Registered Number, ICICI Securities shall be entitled to presume that it is the Customer itself which is interacting through WhatsApp and in case of any other Customer ICICI Securities shall be entitled to presume that the number reflected in the WhatsApp profile is the Customer's number and it is the Customer itself and not any other person who is interacting with ICICI Securities Registered Number. ICICI Securities's own record or log of transactions maintained through computer systems or otherwise shall be accepted as conclusive and binding for all purposes.

6. SERVICES

The Customer agrees and accepts that ICICI Securities reserves the right to provide only such Services as ICICI Securities may at its discretion permit from time to time. ICICI Securities may also inform/update the availability/non-availability of any particular Service, at its sole discretion. The Customer hereby agrees that ICICI Securities may at any time, without notice to the Customer, modify, discontinue or make additions/deletions to the Services offered to the Customer. The Customer agrees that he shall not hold ICICI Securities responsible for not responding to the queries of/ information sought by the Customer or not providing a response to the satisfaction of the Customer or not processing any request of the Customer, in case such a message sent by the Customer in case ICICI Securities does not receive an instruction to this effect in its systems or the message sent by the Customer is not in the format as required by ICICI Securities or does not fall under the Services being offered by ICICI Securities at the time or ICICI Securities does not receive such a message for technical reasons or otherwise or for any reason whatsoever. ICICI Securities will have no liability in case of any fraud or impersonation incidents through the WhatsApp platform. Further, in case ICICI Securities permits any Service in the nature of a transaction, the Customer agrees that such a Service shall be subject to statutory/ regulatory limits and/or any limits that may be imposed by ICICI Securities, from time to time, at its sole discretion.

7. REGISTRATION AND VERIFICATION

For availing the One Way Communication and Two Way Communication service, the Customer agrees and confirms to have accepted (a) the WhatsApp Terms and Conditions applicable to the Customer for availing the Services mentioned herein; (b) the Privacy Policy of ICICI Securities applicable to the Customer for availing the Services mentioned herein; (c) any other Account/product/service/offer related specific terms and conditions as applicable and (d) all terms and conditions prescribed by WhatsApp for using its platform.

Provided that, ICICI Securities may modify the process for authentication, registration and/or verification of the Customer, for One Way Communication and/or Two-Way Communication, at any time, at its sole discretion.

8. UNSUBSCRIBE

You may choose/request for de-registration/un-subscription of the Services at any point of time by following the process as may be prescribed by ICICI Securities from time to time. Currently ICICI Securities provides the following channels for un-subscription:

Our Website: Visit the WhatsApp un-subscription section on our Website. Enter your mobile number. Enter the OTP received on your registered mobile number and submit.
Missed Call/ SMS to a specific number as updated on the Website.
Send 'STOP' keyword on the WhatsApp platform.

However, the Customer agrees that for this to come into effect, it may take such time as may be required by ICICI Securities. The Customer agrees that he will remain responsible for any requests made/ messages sent to ICICI Securities using the Services prior to the time such cancellation of the Services is effected by ICICI Securities. ICICI Securities will be at liberty to discontinue/ suspend/ terminate the Customer's use of the Services at any time without assigning any reason whatsoever. ICICI Securities may also discontinue or suspend or terminate Services/ facilities without prior notice if these Terms and Conditions are breached.

Once we have received the notification that you have unsubscribed, we will no longer process your information for the purpose(s) you originally agreed to and sent any further notification/message through WhatsApp, unless legally permissible otherwise.

9. IMPORTANT

The Customer shall apply to ICICI Securities for use of the Services (and/or for any changes to the options available under the Services) in such manner and through such modes as may be specified and made available by ICICI Securities from time to time including but not limited to application through forms as prescribed by ICICI Securities, 24-Hour customer care number, SMS if and when made available as permitted modes by ICICI Securities for use of the Services through the WhatsApp platform.
ICICI Securities in its sole discretion shall decide the devices, software platforms, versions, networks, methods, and data services that will be supported by the WhatsApp platform for providing these Services. Any attempts to modify unsupported versions for use in the WhatsApp platform will be treated an unauthorized use and violation ("Unauthorized Use") of these WhatsApp Terms and Conditions. The Services through the WhatsApp platform shall be suspended with immediate effect if there is Unauthorized Use by the Customer.
The Customer agrees that the Customer shall be responsible for upgrading any software, hardware and the operating system at his/her own cost from time to time so as to be compatible to continue to avail the Services offered by ICICI Securities. ICICI Securities shall be at liberty to change, vary or upgrade its software, hardware, operating systems, etc. from time to time and shall be under no obligation to support the software, hardware, operating systems used by the Customer and that the same shall be the Customer's sole responsibility. Some Services may not work on an outdated platform and hence it is Customer's sole responsibility to ensure timely upgradation of the WhatsApp platform.
By subscribing to Services on WhatsApp platform, the Customer agrees to get notifications via WhatsApp including account information, transaction details, and other services/communications. Customer also agrees to receive notifications including offers, new product features, any other important notification sent by ICICI Securities from time to time etc. on the Registered Customer Number via WhatsApp.
The Customer agrees that any Trading Account related Services at the discretion of ICICI Securities shall be provided to the Customers through WhatsApp platform only to a WhatsApp account associated with the Registered Customer Number.
The Customer is aware that it may not be possible for ICICI Securities to give detailed information on the Service/functionalities. ICICI Securities shall not be responsible or liable to you or any third party for the consequences arising out of or in connection with using of this Service or with respect to the limited information provided by ICICI Securities on WhatsApp. In case the Customer requires further information, Customer can reach out to ICICI Securities either in the nearest branch, on ICICI Securitiess Customer Care number or through any other channels provided by ICICI Securities.
The responses sent by ICICI Securities on WhatsApp platform (either for One Way Communication and/or Two Way Communication) are based on a program running at back-end. This program has been developed and regularly enhanced to handle the queries in best possible manner. However, for any answers that the Customer may not find satisfactory or for any inaccuracies arising therefrom, ICICI Securities shall not be held responsible. The Customer may call Customer Care number or email at headservicequality@icicidirect.com or nri@icicidirect.com or visit www.icicidirect.com in case of any clarifications.
The Customer agrees that ICICI Securities and / or its affiliates may hold and process the Customers personal information concerning the account/s on computer or otherwise in connection with the WhatsApp facility. You agree and consent that we may collect, store, use and/or disclose your personal data for the Services as detailed on our Website. The Customer also agrees ICICI Securities may disclose, in strict confidence, to other institutions, its service providers, such information as may be reasonably necessary for reasons inclusive of but not limited to the participation in any telecommunication or electronic clearing network, in compliance with legal directive and for fraud prevention. The Customer using the WhatsApp facility authorizes ICICI Securities to collect and use technical information about the equipment and related software, hardware and peripherals and any data and information stored in the equipment, whether internet-based or wireless, to improve ICICI Securities products and to provide services to the Customer.
All records of ICICI Securities generated by the transactions arising out of use of the Services through the WhatsApp platform, including the time of the transaction recorded shall be conclusive proof of the genuineness and accuracy of the transactions.
Where ICICI Securities considers the instructions to be inconsistent or contradictory with any past instructions or any simultaneous instructions provided by Customer to ICICI Securities through other channels provided by ICICI Securities it may seek clarification from the Customer before acting on any instruction of the Customer or act upon any such instruction as it may deem fit. ICICI Securities shall have the right to suspend the Services if ICICI Securities has reason to believe that the Customer's instructions may lead to direct or indirect loss or may require an indemnity from the customer.
The Customer accepts that all information /instructions will be transmitted to and /or stored at various locations and be accessed by personnel of ICICI Securities (and its affiliates) or its service providers.
On the Customer opting in for the Services through the WhatsApp platform, ICICI Securities has the discretion to stop sending these alerts on SMS or any other channel.
The Customer is responsible for keeping security safeguard of his WhatsApp account linked to the mobile number.
The Customer understands that using WhatsApp application may carry extra risks and may not be secured. Further any message and information exchanged is subject to the risk of being read, interrupted, intercepted, or defrauded by third party or otherwise subject to manipulation by third party or may involve delay in transmission. ICICI Securities shall not be responsible or liable to the customer or any third party for the consequences arising out of or in connection with using of this Service.
The Customer understands that mobile phones are vulnerable to the threats such as but not limited to -
- Access by intruders to the data /information
- Identity theft
- Privacy violations
- Planting of stealth software and viruses
- Disablement or distortion of operations
- Interception of the transmission of encrypted data/message etc.
- The Customer shall immediately notify ICICI Securities in writing if Customer discovers/ suspects unauthorized access.

ICICI Securities shall not be responsible or liable to the Customer or any third party for the consequences arising out of or in connection with using of this Service. The Customer should immediately opt-out of the Services as per the unsubscribe process as detailed in section 8 above.

The Customer is aware that using mobile applications involves many uncertain factors and complex software, hardware, systems, etc. which are susceptible to interruptions and dislocations. ICICI Securities does not make any representation or warranty that the WhatsApp facility/service will be available at all times without any interruption and further that ICICI Securities shall not be responsible for any variation, reduction or imposition of the terms or the customers inability to use the mobile application.
The Customer is aware that authenticated technologies and strict security measures are required for using mobile applications. Customer undertakes to ensure that the password is not revealed to any third party including ICICI Securities officials or any unauthorized person. Customer shall be solely responsible for all the communication exchanged between customer and ICICI Securities while logging into this service.
Under no circumstances shall ICICI Securities, or its officials, employees, be liable for any direct, indirect, punitive, incidental, special, or consequential damages that result from the use of, or inability to use, this service or for receipt of any answer provided by ICICI Securities program running at the back-end.
The Customer agrees that the Customer shall not have any claim against ICICI Securities on account of any suspension, interruption, non-availability or malfunctioning of the WhatsApp service due to any link/mobile/system failure at ICICI Securities end for any reason thereof.
The Customer shall not reproduce, copy, or redistribute for commercial purposes any materials or design elements of this WhatsApp service.
The Customer shall ensure appropriate data network connection. Receipt of messages by Customer shall be subject to the data network connection and ICICI Securities shall not be held responsible for any delay or non-receipt of the responses at WhatsApp channel.
The Customer shall not submit or transmit any content through this WhatsApp channel that is:
- Obscene, Vulgar, or Pornographic, immoral, illegal, illicit, unethical etc.
- Encourages the commission of a crime or violation of any law.
- Violates any law in India and/or the jurisdiction in which customer resides.
- Infringes the intellectual or copyrights of ICICI Securities or a third party.
- Constitute confidential information and/or personal or sensitive information/data belonging to the Customer or any third person.
ICICI Securities reserves the right to remove or otherwise delete any content or submissions made by the Customer that violates the rules or which are inappropriate, as per ICICI Securities's sole discretion, without any liability or giving warning to the Customer.
All instructions for availing the services under the WhatsApp facility shall be provided through the Registered Customer Number in the manner indicated by ICICI Securities. The Customer is also responsible for the accuracy and authenticity of the instructions provided to ICICI Securities and the same shall be considered to be sufficient for availing of the services under the WhatsApp facility. The alerts would be sent on the mobile phone number, last registered with ICICI Securities.
The Customer agrees that if he/she notices any error in any information supplied to the Customer by the use of any of the Services, the Customer shall inform ICICI Securities of the same, as soon as possible. ICICI Securities will endeavor to correct the error promptly. The Customer agrees that all outputs of statements that may appear on WhatsApp, upon making a request to that effect, are information extracted from a computerized back up system maintained by ICICI Securities and may not be continuously be updated in real time. ICICI Securities shall provide the information as may be last updated on the systems of ICICI Securities. While ICICI Securities will take all reasonable steps to ensure the accuracy of the statement, ICICI Securities is not liable for any error and shall not hold ICICI Securities responsible for any loss incurred or action taken by the Customer by relying on such information.
The Customer agrees that the responses received by the Customer from ICICI Securities are based on program running at backend. This program has been developed and regularly enhanced to handle the queries in best possible manner. However, for any inappropriate/inaccurate answers or any answers that the Customers may not find satisfactory, ICICI Securities shall not be held responsible.
It is recommended for Customers who have subscribed to this WhatsApp service to delete WhatsApp application when changing their device so as to ensure there is no misuse of the same.
That all the Services provided to the Customer are subject to applicable law and the rules, regulations, notifications, circulars and guidelines introduced or amended from time to time by Securities & Exchange Board of India and/or any regulatory/ statutory/ governmental authority.
ICICI Securities has the right to retract the Customer's right to utilize the Service anytime it deems fit without any notice to the Customer.
The Customer hereby acknowledges that he is availing the Service(s) at his own risk and the Customer shall not hold ICICI Securities responsible or liable for any of the risks including but not limited to the following:
- Password misuse- The Customer acknowledges that if any third person obtains access to the Customer's device or SIM card or the Customer's WhatsApp, such third party may be in a position to access Customer information including Trading Account related information of the Customer, which may be confidential in nature.
- Mistake/Error- the Customer acknowledges that the Customer may be sent responses or shown information which may not be applicable to him/her or may not be sent a satisfactory response, and the Customer agrees that in such a scenario ICICI Securities shall not be liable for any loss to the Customer in this regard. The Customer shall therefore take all care to ensure that there are no mistakes and errors and that the message sent/ request made/ query asked by the Customer to ICICI Securities in this regard is error free, accurate, proper and complete at all points of time. The Customer agrees that ICICI Securities is providing the Services at the Customer's sole risk. The Customer agrees that ICICI Securities shall not be liable for any loss, damages or consequences whatsoever arising due to any erroneous or incomplete information or any delay in executing the instructions for reasons beyond the control of ICICI Securities. The Customer shall be liable and responsible to ICICI Securities and accede to accept ICICI Securities's instructions without questions for any unfair or unjust gain obtained by him in the course of availing of the Services.
- It may also be possible that the site of ICICI Securities may require maintenance or is otherwise down or there is a technical failure and during such time it may not be possible to process the request of the Customers. This could result in delays in the processing of instructions or failure in the processing of instructions and other such failures and inability. The Customer understands that ICICI Securities disclaims all and any liability, whether direct or indirect, whether arising out of loss of profit or otherwise arising out of any failure or inability by ICICI Securities to honour any Customer instruction for whatsoever reason. The Customer unequivocally and unconditionally understands and accepts that ICICI Securities shall not be responsible for any of the aforesaid risks. The Customer also accepts that ICICI Securities shall disclaim all liability in respect of the said risks.
The Customer agrees that the Registered ICICI Securities Number on the WhatsApp platform cannot be used for grievance redressal or reporting fraud as of now, ICICI Securities will have no liability on reporting of such incidents received through WhatsApp. The Customer may call Customer Care number or email at headservicequality@icicisecurities.com or visit www.icicidirect.com in case of any clarifications.
These WhatsApp Terms and Conditions may be withdrawn, superseded or modified at any time whatsoever, by ICICI Securities without any prior notice.

10. THIRD PARTY

WhatsApp is owned by a third-party unaffiliated with ICICI Securities. The Customer shall independently be guided by the privacy policies of WhatsApp and the third parties or group companies of WhatsApp and ICICI Securities has no control over them. ICICI Securities is not responsible for the privacy or security policies at these sites or other third-party sites that may be linked to within ICICI Securities's social media channels. The Customer should always review the privacy and security practices and policies of each third-party site you visit. ICICI Securities does not endorse and is not responsible for any ads, content, products, advice, opinions, recommendations or other material of third-party sites that may be promoted via advertising within any social media channels.

The Customer further understands and agree that WhatsApp or any other service provider through which we are providing the WhatsApp facility can review and monitor, store the contents shared/communicated through the WhatsApp or other service provider(s) and may share the same with third parties.

Hence, we strongly recommend that you:

Never share privacy-sensitive details via WhatsApp messages/ through the WhatsApp facility.
That we will not send messages of our own accord this way and will only respond to the messages sent to us except for any important communication and awareness messages.
Not to contact us through the WhatsApp channel for complaints, grievances or similar important matters.

11. DISCLAIMER OF LIABILITY

ICICI Securities shall not be responsible for any failure on the part of the Customer to utilize the WhatsApp facility due to the Customer not being within the geographical range within which the WhatsApp facility is offered and which forms part of the roaming network of such cellular service provider, providing services to the Customer availing such roaming facility from the respective cellular service provider. If the customer has reason to believe that the mobile phone number is / has been allotted to another person and / or there has been an unauthorized transaction in the account and / or his mobile phone handset is lost, he shall immediately inform ICICI Securities of the same.

The Customer agrees that ICICI Securities shall not be liable if:

the Customer has breached any of the terms and conditions, contained herein or
the Customer has contributed to or the loss is a result of failure on part of the Customer to advise ICICI Securities within a reasonable time about unauthorized access of or erroneous transactions by use of the Services; or
as a result of failure on part of the Customer to advise ICICI Securities of a change in or termination of the Customer's mobile phone numbers/SIM ("Subscriber Identity Module") cards.
there has been an unauthorized transaction/instruction provided through the WhatsApp channel as a result of any person having control or custody of telecommunications instrument (such as the mobile handset) so that such instrument may be used to give telecommunications instruction without authorization or any other issue/default/error/technological problem in the telecommunication instrument (such as the mobile handset) or duplication of mobile number / SIM of the Customer such as but not limited to SIM card cloning, virus in handset etc.

ICICI Securities shall endeavor to provide the WhatsApp facility on a best effort basis and the Customer shall not hold ICICI Securities liable for non-availability of the WhatsApp facility or non-performance by service providers, if any, engaged by ICICI Securities or any loss or damage caused to the Customer as a result of use of the WhatsApp facility for causes which are not attributable to ICICI Securities. ICICI Securities shall not be liable in any manner to the Customer in connection with the use of the WhatsApp facility.

ICICI Securities shall endeavor to carry out the instructions received from the Customer through the WhatsApp channel promptly, provided that ICICI Securities, shall not be responsible for the delay in carrying out such instructions due to any reason whatsoever, including, but not limited to, failure of operational system or any requirement of law or ICICI Securities's internal policies.

The Customer accepts that each WhatsApp communication may contain certain account information relating to the Customer. The Customer authorizes ICICI Securities to send account related information, though not specifically requested, if ICICI Securities deems that the same is relevant.

ICICI Securities shall not be held responsible for the confidentiality, secrecy and security of the personal or account information being sent through the WhatsApp facility. The Customer agrees that the access to the WhatsApp facility shall be only through the Registered Customer Number and any transaction which originates from the same, whether initiated by the Customer or not, shall be deemed to have originated from the Customer.

Under no circumstance, ICICI Securities shall be held liable if the WhatsApp facility is not available for reasons including but not limited to natural calamities, epidemic/pandemic, legal restraints, faults in the telecommunication network or network failure, or any other reason beyond the control of ICICI Securities. ICICI Securities shall not be liable under any circumstances for any damages whatsoever whether such damages are direct, indirect, incidental consequential and irrespective of whether any claim is based on loss of revenue, interruption of business or any loss of any character or nature whatsoever and whether sustained by the Customer or by any other person. Illegal or improper use of the WhatsApp facility shall render the customer liable for payment of financial charges as decided by ICICI Securities or will result in suspension of the WhatsApp facility for the Customer.

ICICI Securities is in no way liable for any error or omission in the services provided by any cellular or any third party service provider (whether appointed by ICICI Securities in that behalf or otherwise) to the Customer, which may affect the WhatsApp facility.

ICICI Securities, does not warrant the confidentiality or security of the messages whether personal or otherwise transmitted through the WhatsApp facility. ICICI Securities makes no warranty or representation of any kind in relation to the system and the network or their function or performance or for any loss or damage whenever and howsoever suffered or incurred by the Customer or by any person resulting from or in connection with the WhatsApp facility.

Without limitation to the other provisions of these WhatsApp Terms and Conditions, ICICI Securities, its employees, agent or contractors, shall not be liable for and in respect of any loss or damage whether direct, indirect or consequential, including but not limited to loss of revenue, profit, business, contracts, anticipated savings or goodwill, loss of use or value of any equipment including software, whether foreseeable or not, suffered by the Customer or any person howsoever arising from or relating to any delay, interruption, suspension, resolution or error of ICICI Securities in receiving and processing the request and in formulating and returning responses or any failure, delay, interruption, suspension, restriction, or error in transmission of any information or message to and from the telecommunication equipment of the Customer and the network of any cellular service provider and ICICI Securities's system or any breakdown, interruption, suspension or failure of the telecommunication equipment of the Customer, ICICI Securities's system or the network of any cellular service provider and/or any third party who provides such services as is necessary to provide the WhatsApp.

Notwithstanding anything in the contrary provided in this terms and conditions, ICICI Securities shall not be involved in or in any way liable to the Customer for any dispute between the Customer and a cellular service provider or any third party service provider or WhatsApp (whether appointed by ICICI Securities for such purpose or otherwise) while availing these Services through the WhatsApp platform.

The Customer shall not interfere with or misuse in any manner whatsoever the WhatsApp facility and in the event of any damage due to improper or fraudulent use by the Customer, the Customer shall be liable for damages to ICICI Securities or for any losses suffered by ICICI Securities.

The Customer is solely responsible for protecting his/her OTP/debit card PIN/ password or mobile phone number and any other password and/or any other mode of verification as prescribed/ issued by ICICI Securities for the use of the WhatsApp facility from time to time without any liability of ICICI Securities in this regard. The Customer hereby agrees and accepts that he/she shall at all times be solely responsible for the protection and safe keep of his/her SIM card, Device and the applications installed thereon, specifically WhatsApp, login IDs, Customer Information, security details and passwords as mentioned hereinabove and hereby fully agrees that ICICI Securities shall in no manner be liable for any direct or indirect or consequential or other loss arising out of any action or omission because of compromise of the same in any manner whatsoever.

The Customer agrees that ICICI Securities assumes no liability whatsoever in case of any event of such compromise of the Customer's WhatsApp and ICICI Securities shall not be held responsible for any such event. Further, the Customer agrees and understands that WhatsApp can also be logged on from more than one device at the same time, including by using web log in and the Customer is aware of the risk in this regard while availing the Services such as compromise of Customer Information, breach of security of the Customer's WhatsApp account from a device other than the Customers and the Customer undertakes to be vigilant and careful and takes full responsibility for the security of his/her WhatsApp account. ICICI Securities shall not be responsible or liable to you or any third party for the consequences arising out of or in connection with using of this Service.

ICICI Securities will not be liable for:

any unauthorized use of the customer's password or mobile phone number or for any fraudulent, duplicate or erroneous instructions given on the WhatsApp channel;
acting in good faith on any instructions received by ICICI Securities from or on behalf of the Customer in relation to the WhatsApp facility;
error, default, delay or inability of ICICI Securities to act on all or any of the instructions given by the Customer due to any reason;
loss of any information/instructions in transmission;
unauthorized access by any other person to any information /instructions given by the Customer or breach of confidentiality;

ICICI Securities makes no representation or gives no warranty with respect to the quality of the service provided by any cellular service provider or by WhatsApp or any other service provider enabling ICICI Securities to deliver services through WhatsApp to the Customers.

ICICI Securities may provide any other services as a part of the WhatsApp facility and ICICI Securities shall not be liable for the oversight on part of the Customer to update himself /herself with the addition of services which have been included in the WhatsApp facility.

12. INDEMNITY

In consideration of ICICI Securities providing the WhatsApp facility, the Customer, at his own expense, agrees to indemnify, defend and hold harmless, ICICI Securities, its directors and employees, representatives, agents, customers and/or the affiliates, as the case may be, against all losses, damages, expenses, actions, claims, demands and proceedings whatsoever, that ICICI Securities may incur, sustain, suffer or be put to at any time as a consequence of acting on or omitting or refusing to act on any instructions given by the Customer or otherwise for use of the WhatsApp facility.

The Customer further specifically agrees to indemnify, defend and hold harmless, ICICI Securities and/or its affiliates from any losses occurring as a result of the:

the Customer permitting any third parties to use the WhatsApp facility.
the Customer permitting any other person to have access to his mobile phone or as a consequence of leaving the mobile phone unattended or loss of mobile phone and ICICI Securities acting/not acting on any instructions received from the same.
the Customer having breached the WhatsApp Terms and Conditions.

13. TERMINATION

ICICI Securities may, at its discretion, withdraw temporarily or terminate the WhatsApp facility, either wholly or in part, at any time without giving prior notice to the Customer. ICICI Securities may, without prior notice, suspend the WhatsApp facility at any time during which any maintenance work or repair is required to be carried out or in case of any emergency or for security reasons, which require the suspension of the WhatsApp facility.

ICICI Securities may suspend or terminate WhatsApp facility without prior notice if the Customer has breached these WhatsApp Terms and Conditions or ICICI Securities learns of the death, bankruptcy.

14. PROPRIETARY RIGHTS

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PB Fintech Ltd. 06 May 2026 18:12 PM

Result PDF

Internet Software & Services company PB Fintech announced Q4FY26 & FY26 results

FY26 Consolidated Financial Highlights::

Total Revenue: Consolidated Operating Revenue grew by 37% YoY to Rs 6,794 crore in FY26, up from Rs 4,977 crore in FY25.
Total Income: Consolidated Total Income reached Rs 7,16,645 lakh in FY26 compared to Rs 5,38,502 lakh in FY25.
Profit After Tax (PAT): Consolidated PAT for FY26 grew by 115% YoY to Rs 670 crore (Rs 67,013 lakh) from Rs 311 crore (Rs 35,207 lakh) in FY25 (excluding exceptional items).
Profit Margin: PAT margin improved significantly from 6% in FY25 to 10% in FY26.
Adjusted EBITDA: Full year Adjusted EBITDA improved by 118% YoY to Rs 725 crore from Rs 332 crore in FY25.
Earnings Per Share (EPS): Basic EPS for the year stood at Rs 14.58 compared to Rs 7.75 in FY25, marking a growth of 88%.

Q4FY26 Consolidated Financial Highlights::

Operating Revenue: Stood at Rs 2,061 crore (Rs 2,06,133 lakh) in Q4FY26, representing a YoY growth of 37% from Rs 1,508 crore (Rs 1,50,787 lakh) and a QoQ growth of 16% from Rs 1,771 crore (Rs 1,77,115 lakh).
Total Income: For Q4FY26, total income was Rs 2,16,564 lakh, a YoY increase of 34.6% from Rs 1,60,898 lakh and a QoQ increase of 16.7% from Rs 1,85,600 lakh.
Profit After Tax (PAT): PAT for Q4FY26 grew 54% YoY to Rs 261 crore (Rs 26,116 lakh) from Rs 170 crore (Rs 16,974 lakh) and grew 37.9% QoQ from Rs 189 crore (Rs 18,943 lakh).
Adjusted EBITDA: Improved by 89% YoY to Rs 280 crore in Q4FY26 from Rs 148 crore in Q4FY25.

Standalone Financial Highlights::

Total Income: For the full year FY26, standalone total income was Rs 42,171 lakh compared to Rs 41,201 lakh in FY25.
Revenue from Operations: Annual standalone revenue grew to Rs 20,837 lakh in FY26 from Rs 15,344 lakh in FY25.
Profit After Tax (PAT): Standalone PAT for FY26 stood at Rs 4,144 lakh compared to Rs 1,253 lakh in FY25.
Quarterly PAT: For Q4FY26, standalone PAT reached Rs 1,778 lakh, showing a turnaround from a loss of Rs 1,671 lakh in Q4FY25, and a QoQ growth of 12.9% from Rs 1,575 lakh in Q3FY26.

Business Highlights

Insurance Premium Scale: Total Insurance Premium for the full year reached Rs 29,934 crore, up 42% YoY. Q4FY26 premium grew 46% YoY to Rs 9,217 crore.
Lending Disbursal Scale: Total Lending disbursal for FY26 reached Rs 30,740 crore, up 50% YoY. Q4FY26 core online lending disbursal grew 11% QoQ.
Core Insurance Renewal: Renewal/trail revenue on a 12-month rolling basis stood at Rs 935 crore, a 40% YoY growth. The quarterly core insurance renewal revenue is at an ARR of Rs 1,126 crore, up from Rs 689 crore in Q4 last year.
Consumer Reach: Policybazaar has 145.7 million registered consumers till date, with 26.4 million transacting consumers. Paisabazaar has 58.5 million credit score consumers.
UAE Business: The UAE Insurance premium grew 54% YoY in FY26. This business is profitable for the full year for the first time in FY26.
Segment-wise Performance:
- Insurance Broker Services: Revenue grew 41.7% YoY to Rs 6,08,928 lakh in FY26 from Rs 4,29,798 lakh. Segment result improved to Rs 86,076 lakh in FY26.
- Other Services: Revenue stood at Rs 70,474 lakh in FY26 compared to Rs 67,923 lakh in FY25.
New Initiatives: PB Partners, the agent aggregator platform, Consolidated its leadership with over 450k advisors and is present in 19k pin codes, covering 99% of pin codes in India.
Investment: The Board authorized an investment of up to Rs 5 crore in PB Marketing and Consulting Private Limited to meet net worth criteria for a stockbroking license.

Management Commentary:

Our Total Insurance Premium for the full year was Rs 29,934 crore, up 42% YoY, led by growth in core online new protection business at 57% YoY (new Health insurance up 68% YoY). Quarterly Insurance Premium was at Rs 9,217 crore, up 46% YoY again led by growth in core online new protection business at 67% YoY.
FY26 Consolidated operating revenue grew 37% YoY to Rs 6,794 crore (Core Insurance revenue up 41% YoY); Quarterly Consolidated Operating Revenue grew 37% to Rs 2,061 crore (Q4FY26 Core Insurance revenue up 48% YoY; Q4FY26 Core credit revenue, up 7% YoY).
Our core renewal / trail revenue on a 12-month rolling basis is at Rs 935 crore, up from Rs 668 crore last year same quarter, a 40% growth led by growth of 55% in the insurance segment. The quarterly core insurance renewal revenue is at an ARR of Rs 1126 crore, up from Rs 689 crore Q4 last year (growth of 63% YoY). This is a key driver of long-term profit growth.
Growth accelerated for Q4FY26 Core New Insurance Premium (net of Savings business) at 59% YoY. Core New Insurance Premium (Including Savings) grew 48% YoY for the quarter. Excluding Savings category, we have been growing between 34% to 59% for the last 12 quarters.
We continue to improve our customer onboarding & claims support services and Insurance CSAT is consistent above 90%.
Our credit revenue for the quarter is Rs 123 crore, up 7% YoY and disbursal is at Rs 2,630 crore, up 11% YoY for the core online business.

We continue to strengthen our leadership in New initiatives in FY26 with full year revenue growth of 43% YoY, adjusted EBITDA margin improving from -9% to -4% for the year, with 5% contribution margin.

PB Partners, our agent aggregator platform, consolidated its leadership & accelerated growth momentum with over 450k advisors.
- We have moved the business increasingly towards smaller and higher quality advisors.
- Most diversified across different lines of businesses.
- Present in 19k pin codes across India, covering 99% of pin codes in India – driving growth in Tier 4 & 5 towns.
FY26 UAE Insurance premium grew 54% YoY & aligning more towards health & life insurance, similar to our India business. We have unique value proposition of cross-border health insurance products & Claims assurance program for motor insurance. This business is profitable for the full year for the first time in FY26.

Our consolidated FY26 PAT for PB Fintech grew 115% YoY to Rs 670 crore (PAT margin grew from 6% in FY25 to 10% in FY26). This is 2.2% of the insurance premium. Quarterly PAT grew 54% to Rs 261 crore.

To summarize our performance since our public listing in Nov 2021:

Revenue grew at a CAGR of 48% from Rs 1,425 crore in FY22 to Rs 6,794 crore in FY26.
PAT margin grew from -58% in FY22 to 10% in FY26.

Result PDF

Q4FY26 & FY26 Result Announced for Computer Age Management Services Ltd.

Data Processing Services company Computer Age Management Services announced Q4FY26 & FY26 results

Q4FY26 Financial Highlights:

Revenue: Rs 395.22 crore against Rs 356.17 crore during Q4FY25, change 11.0%.
PBT: Rs 167.07 crore against Rs 149.26 crore during Q4FY25, change 11.9%.
PAT: Rs 125.44 crore against Rs 112.80 crore during Q4FY25, change 11.2%.
PAT Margin: 31.0% for Q4FY26.
EPS: Rs 5.10 for Q4FY26

FY26 Financial Highlights:

Revenue: Rs 1516.25 crore during FY26, change 6.6% YoY.
PBT: Rs 632.53 crore during FY26, change 1.3% YoY.
PAT: Rs 476.01 crore during FY26, change 1.2% YoY.
PAT Margin: 31.0% for FY26.
EPS: Rs 19.23 for FY26.

Business Highlights:

CAMS AuM was at Rs 55.1 lakh crore. In Q4FY26, retaining market leadership with ~68% market share and delivering 21% YoY growth, in line with the industry. Overall Active assets grew ahead of the industry.
Equity assets surged to an all-time high of Rs 30.5 lakh crore. improving share to a record 67.0%, up 90 bps YoY, growing faster than the industry. Equity net sales stood at Rs 1,01,294 crore, driving share in this segment to 76.3% from 71% the previous quarter.
New SIP registrations reached 1.26 crore. in Q4FY26, reflecting a strong 46% YoY growth, outpacing the industry growth of 37%. Annual SIP registrations in FY26 hit 4.7 crore, up 17% over FY25 - nearly double the industry growth of 9%.
SIP collections crossed the Rs 20,000 crore. milestone in March, increasing 24% YoY to reach Rs 58,889 crore. for Q4FY26. Live SIPs expanded 17% YoY compared with 4% for the industry, resulting in share increasing to 64.1% from 57.0% in the previous year.
CAMS unique investor base crossed 4.76 crore. During the quarter, registering a 18% YoY growth and outpacing industry growth of 13%.
CAMS added Oaklane Capital LLP and Neo Investments Value Advisors Pvt. Ltd. as MF RTA clients, reinforcing its strategy of building a high-quality, institution-led MF RTA franchise. The total number of MF RTA clients now stands at 31.
Transaction volumes for FY26 reached 107 crore, registering a strong 20% YoY growth.
During the quarter, 4 SIFs launched their maiden funds, taking the total number of SIFs serviced to 6. A strong pipeline remains in place, with 8 additional SIF launches expected over the coming months.
Retail fund launches in GIFT City gained momentum. CAMS-serviced GIFT City Retail Fund AuM now stands at USD 35.3 million.

Anuj Kumar, Managing Director, said: “Q4FY26 was a defining quarter for CAMS, as we delivered our highest-ever quarterly revenue, with double-digit YoY growth and best-in-class EBITDA margins of 46.5%. This performance reflects strong operating discipline, sustained scale benefits in our core mutual fund franchise and continued improvement in productivity across the organisation.

This performance was anchored not only by the resilience and scale benefits of our core mutual fund franchise, but also by strong momentum in our expanding non-MF businesses which grew over 24% YoY, underscoring the success of our diversification strategy. Businesses across payments, alternatives, KRA and insurance repository continue to gain traction, contributing meaningfully to revenue momentum and long-term growth visibility.

Within mutual funds, we continue to deepen and strengthen our partnerships with asset managers. During the quarter, Neo and Oaklane chose CAMS as their RTA partner, taking our total MF RTA relationships to 31. We also continued to gain market share and outperform the industry across key metrics, including assets under management, equity net sales, SIP registrations and growth in the investor base. The SIF ecosystem is scaling well, with 6 SIFs going live so far and another 8 additional launches expected in the coming months, reflecting growing adoption of SIF.

Alongside growth, our multi-year platform re-architecture programme is progressing well. Sustained innovation in technology, coupled with revenue growth (while maintaining a flat headcount) highlight the operating efficiency and long-term leverage that our next-generation platform is designed to deliver.

As we move ahead, our focus remains on strengthening platform leadership, scaling diversified growth engines and sustaining profitable growth, while reinforcing CAMS’s role as India’s most trusted financial market infrastructure partner.”

Result PDF

Q4FY26 & FY26 Result Announced for Manappuram Finance Ltd.

Finance company Manappuram Finance announced Q4FY26 & FY26 results

Consolidated Financial Highlights:

Total Revenue from Operations: For Q4FY26, consolidated revenue from operations stood at Rs 2,613.83 crore, representing a YoY increase of 10.71% from Rs 2,360.94 crore in Q4FY25 and a QoQ growth of 11.03% from Rs 2,354.12 crore in Q3FY26.
Total Income: For the quarter ended March 31, 2026, total income reached Rs 2,625.58 crore, up 11.13% YoY compared to Rs 2,362.54 crore and up 11.31% QoQ compared to Rs 2,358.90 crore.
Net Profit: The consolidated net profit for Q4FY26 was Rs 404.79 crore, marking a significant turnaround from a loss of Rs 203.17 crore in Q4FY25 and reflecting a QoQ increase of 69.69% from Rs 238.55 crore in Q3FY26.
Annual Performance: For the full year FY26, consolidated total revenue from operations was Rs 9,509.39 crore, a decline of 5.01% from Rs 10,011.20 crore in FY25. Annual net profit for FY26 stood at Rs 993.14 crore, down 17.51% compared to Rs 1,203.88 crore in FY25.
Earnings Per Share (EPS): The basic and diluted EPS for the full year FY26 was Rs 11.72 and Rs 11.71 respectively, compared to Rs 14.22 in FY25.

Standalone Financial Highlights:

Total Revenue from Operations: For Q4FY26, standalone revenue from operations was Rs 2,157.54 crore, showing a YoY growth of 24.04% from Rs 1,739.41 crore and a QoQ growth of 12.46% from Rs 1,918.47 crore.
Total Income: Standalone total income for the quarter was Rs 2,163.41 crore, up 24.21% YoY from Rs 1,741.77 crore and up 12.57% QoQ from Rs 1,921.88 crore.
Net Profit: Standalone net profit for Q4FY26 was Rs 375.52 crore, representing a YoY decrease of 9.37% from Rs 414.34 crore and a marginal QoQ decline of 1.48% from Rs 381.15 crore.
Annual Performance: For the full year FY26, standalone total revenue from operations stood at Rs 7,642.72 crore, a growth of 10.63% from Rs 6,908.11 crore in FY25. Annual net profit was Rs 1,524.65 crore, a decrease of 14.50% from Rs 1,783.26 crore in FY25.

Business Highlights

Segment Performance:
- Gold Loan and Others: This segment reported an annual revenue of Rs 8,274.38 crore for FY26, compared to Rs 7,523.90 crore in FY25. Segment results (Profit before tax) for FY26 were Rs 2,105.96 crore.
- Micro Finance: Annual revenue for the Micro Finance segment was Rs 1,250.30 crore in FY26, down from Rs 2,547.25 crore in FY25. The segment reported a loss before tax of Rs 835.78 crore for FY26.
Asset Quality and ECL: During Q4FY26, the subsidiary Asirvad Micro Finance Limited revised its Expected Credit Loss (ECL) estimation based on asset quality trends. This resulted in a decrease in the impairment provision by Rs 39 crore.
Technical Write-offs: In Q4FY26, the Holding Company undertook a technical write-off of Rs 136.94 crore related to the Vehicle Finance portfolio under the Doubtful-1 category of NPA. The net impact on the Statement of Profit and Loss, net of provision, was Rs 84.01 crore.
Dividend: The Board declared a fourth interim dividend of Rs 0.50 (25%) per equity share of face value of Rs 2 each.
Capital Increase: The authorized share capital of the Holding Company was increased from Rs 200 crore to Rs 300 crore during the year.

Result PDF

Q4FY26 & FY26 Result Announced for Aditya Birla Capital Ltd.

Holding Companies company Aditya Birla Capital announced Q4FY26 & FY26 results

Total lending portfolio crosses Rs 2 lakh crore (change 32% YoY).
Consolidated profit after tax crosses Rs 1,100 crore in Q4FY26.
Consolidated Revenue grew 12% YoY to Rs 15,877 crore in Q4FY26 and 14% YoY to Rs 53,871 crore in FY26.
Consolidated profit after tax grew 30% YoY to Rs 1,124 crore in Q4FY26 and 21% YoY to Rs 3,797 crore in FY26.

Business Highlights:

NBFC Business:
- Disbursements grew by 28% YoY and 16% sequentially to Rs 24,947 crore in Q4FY26.
- AUM grew by 27% YoY and 8% sequentially to Rs 1,59,916 crore.
- Profit before tax grew by 26% YoY to Rs 1,106 crore in Q4FY26 and 20% YoY to Rs 4,023 crore in FY26.
- Return on assets was 2.31% in Q4FY26 and 2.25% in FY26.
- Gross stage 2 and 3 ratio improved by 136 bps YoY and 38 bps sequentially to 2.42%.
Housing Finance:
- Disbursements grew by 37% YoY and 29% sequentially to Rs 7,977 crore in Q4FY26.
- AUM grew by 53% YoY and 12% sequentially to Rs 47,452 crore.
- Profit before tax grew by more than two times YoY to Rs 255 crore in Q4FY26 and 98% YoY to Rs 832 crore in FY26.
- Return on assets was 2.07% in Q4FY26 and 1.88% in FY26.
- Gross stage 2 and 3 ratio improved by 63 bps YoY and 19 bps sequentially to 0.76%.
AMC Business:
- Mutual fund quarterly average assets under management grew by 14% YoY to Rs 4,35,866 crore.
- Equity QAAUM grew by 17% YoY to Rs 1,97,374 crore.
- Individual monthly average assets under management grew by 8% YoY to Rs 1,99,373 crore.
- Folios serviced increased by 3% YoY to about 1.1 crore.
- Operating profit grew by 8% YoY to Rs 252 crore in Q4FY26 and 11% YoY to Rs 1,051 crore in FY26.
Life Insurance Business:
- Individual First Year Premium (FYP) grew by 15% YoY to Rs 4,725 crore in FY26.
- Group's new business premium increased by 31% YoY to Rs 7,314 crore in FY26.
- Renewal premium grew by 17% YoY to Rs 12,190 crore in FY26.
- Net value of new business (VNB) margin increased by 260 bps YoY to 20.6% in FY26.
- Absolute net VNB grew by 29% YoY to Rs 1,055 crore in FY26.
Health Insurance Business:
- Gross written premium grew by 39% YoY to 6,855 crore in FY26.
- Standalone health insurer market share increased by 110 bps YoY to 13.7% in FY26.
- Combined ratio improved to 103% (FY25: 105%) in FY26

Result PDF

Q4FY26 & FY26 Result Announced for KFIN Technologies Ltd.

Financial Services company KFIN Technologies announced Q4FY26 & FY26 results

Q4FY26 Consolidated Financial Highlights

Revenue from Operations: Rs 3,473.30 million in Q4FY26, compared to Rs 2,826.98 million in Q4FY25, representing a YoY increase of 22.86%. On a QoQ basis, revenue decreased by 6.35% from Rs 3,708.71 million in Q3FY26.
Total Income: Rs 3,623.15 million in Q4FY26, compared to Rs 2,927.01 million in Q4FY25, showing a YoY growth of 23.78%. It saw a QoQ decrease of 4.03% from Rs 3,775.13 million in Q3FY26.
Profit Before Tax: Rs 1,107.37 million in Q4FY26, compared to Rs 1,142.25 million in Q4FY25, a YoY decrease of 3.05%. On a QoQ basis, it decreased by 11.56% from Rs 1,252.11 million in Q3FY26.
Profit for the Period: Rs 811.49 million in Q4FY26, compared to Rs 850.53 million in Q4FY25, a YoY decrease of 4.59%. It saw a QoQ decrease of 11.79% from Rs 919.93 million in Q3FY26.

FY26 Consolidated Financial Highlights

Revenue from Operations: Rs 13,014.93 million for FY26, compared to Rs 10,907.52 million for FY25, representing a YoY increase of 19.32%.
Total Income: Rs 13,439.25 million for FY26, compared to Rs 11,284.76 million for FY25, showing a YoY growth of 19.09%.
Profit Before Tax: Rs 4,677.97 million for FY26, compared to Rs 4,475.90 million for FY25, a YoY increase of 4.51%.
Profit for the Year: Rs 3,437.12 million for FY26, compared to Rs 3,326.25 million for FY25, a YoY increase of 3.33%.

Q4FY26 Standalone Financial Highlights

Revenue from Operations: Rs 2,840.12 million in Q4FY26, compared to Rs 2,742.85 million in Q4FY25, representing a YoY growth of 3.55%. On a QoQ basis, revenue decreased by 9.29% from Rs 3,130.89 million in Q3FY26.
Profit Before Tax: Rs 1,121.06 million in Q4FY26, compared to Rs 1,094.37 million in Q4FY25, a YoY growth of 2.44%. It saw a QoQ decrease of 11.14% from Rs 1,261.62 million in Q3FY26.
Profit for the Period: Rs 851.12 million in Q4FY26, compared to Rs 814.73 million in Q4FY25, a YoY growth of 4.47%. On a QoQ basis, it decreased by 9.41% from Rs 939.52 million in Q3FY26.

FY26 Standalone Financial Highlights

Revenue from Operations: Rs 11,588.10 million for FY26, compared to Rs 10,554.99 million for FY25, representing a YoY growth of 9.79%.
Profit Before Tax: Rs 4,642.11 million for FY26, compared to Rs 4,381.96 million for FY25, a YoY growth of 5.94%.
Profit for the Year: Rs 3,462.44 million for FY26, compared to Rs 3,255.48 million for FY25, a YoY growth of 6.36%.

Business Highlights:

FY26 Segment-wise Performance
- Domestic mutual fund investor solutions: Revenue of Rs 8,622.27 million (FY25: Rs 7,799.88 million) and a segment result of Rs 4,889.22 million (FY25: Rs 4,685.57 million).
- Issuer solutions: Revenue of Rs 1,712.29 million (FY25: Rs 1,548.62 million) and a segment result of Rs 843.01 million (FY25: Rs 802.20 million).
- International and other investor solutions: Revenue of Rs 2,680.37 million (FY25: Rs 1,559.02 million) and a segment result of Rs 256.01 million (FY25: Rs 345.44 million).
Q4FY26 Segment-wise Performance
- Domestic mutual fund investor solutions: Revenue of Rs 2,154.95 million and a segment result of Rs 1,173.73 million.
- Issuer solutions: Revenue of Rs 355.78 million and a segment result of Rs 132.32 million.
- International and other investor solutions: Revenue of Rs 962.57 million and a segment result of Rs 19.84 million.

Sreekanth Nadella, Managing Director & CEO, KFin Technologies, said: "FY26 has been a transformative year for KFintech as we completed the acquisition of Ascent Fund Services, expanding our global footprints to 18 countries servicing nearly 1,000 global asset managers managing USD 360 billion of assets under management. Our international business has grown by over 100% y-o-y, making it nearly 20% of the overall revenue mix, progressing in line with our vision to make KFintech a formidable global fund administrator. Overall, for the full-year, we delivered stable revenue growth and profitability, despite a challenging macro and geopolitical environment that weighed on markets in the second half, underpinned by the strength of our diversified business model and strong focus on productivity and efficiency. Our domestic businesses continued to demonstrate resilience with steady client additions and market share gains, while the full consolidation of Ascent significantly added to our growth. The fourth quarter witnessed some sequential softness, consistent with broader market trends, as equity market weakness and global uncertainty impacted flows and valuations. However, the performance of our core businesses remained stable. We continued to make progress on the Ascent integration, with improving synergies and margins expected to trend upward as the integration matures. Encouragingly, we are seeing a meaningful step-up in the quality of international mandates, with new client wins during the quarter, including funds with AUM in excess of USD 100 million, reflecting growing market confidence in our platform and capabilities. As we enter FY27, we remain focused on disciplined execution, deepening the international expansion, and harnessing technology to build operating leverage and positioning KFintech for sustainable long-term growth across geographies and asset classes."

Result PDF

Q4FY26 & FY26 Result Announced for Federal Bank Ltd.

Federal Bank announced Q4FY26 & FY26 results

Q4FY26 Standalone Financial Highlights:

Total Income: Rs 8,54,404 lakh in Q4FY26, up 7.23% QoQ from Rs 7,96,779 lakh and up 11.62% YoY from Rs 7,65,431 lakh.
Interest Earned: Rs 7,39,909 lakh in Q4FY26, up 7.74% QoQ from Rs 6,86,750 lakh and up 11.29% YoY from Rs 6,64,836 lakh.
Net Profit: Rs 1,25,910 lakh in Q4FY26, up 20.93% QoQ from Rs 1,04,121 lakh and up 22.22% YoY from Rs 1,03,023 lakh.
Operating Profit: Rs 2,27,641 lakh in Q4FY26, compared to Rs 1,72,933 lakh in Q3FY26 (up 31.64% QoQ) and Rs 1,46,540 lakh in Q4FY25 (up 55.34% YoY).
Earnings Per Share (EPS): Basic EPS stood at Rs 5.11 in Q4FY26, compared to Rs 4.23 in Q3FY26 and Rs 4.20 in Q4FY25.

Q4FY26 Consolidated Financial Highlights:

Total Income: Rs 9,13,247 lakh in Q4FY26, up 7.40% QoQ from Rs 8,50,316 lakh and up 11.98% YoY from Rs 8,15,529 lakh.
Interest Earned: Rs 7,94,661 lakh in Q4FY26, up 7.96% QoQ from Rs 7,36,047 lakh and up 11.80% YoY from Rs 7,10,795 lakh.
Net Profit (Attributable to Group): Rs 1,34,097 lakh in Q4FY26, up 22.57% QoQ from Rs 1,09,407 lakh and up 22.92% YoY from Rs 1,09,094 lakh.
Earnings Per Share (EPS): Basic EPS stood at Rs 5.44 in Q4FY26, compared to Rs 4.45 in Q3FY26 and Rs 4.44 in Q4FY25.

FY26 Standalone Financial Highlights:

Total Income: Rs 32,13,577 lakh in FY26, up 6.53% YoY compared to Rs 30,16,650 lakh in FY25.
Interest Earned: Rs 27,69,538 lakh in FY26, up 5.05% YoY compared to Rs 26,36,525 lakh in FY25.
Net Profit: Rs 4,11,732 lakh in FY26, up 1.61% YoY compared to Rs 4,05,189 lakh in FY25.
Operating Profit: Rs 7,20,820 lakh in FY26, up 18.15% YoY compared to Rs 6,10,113 lakh in FY25.
Net Cash Flow from Operating Activities: Rs 7,18,202 lakh in FY26, down 28.70% YoY compared to Rs 10,07,338 lakh in FY25.
Earnings Per Share (EPS): Basic EPS for the year stood at Rs 16.74, compared to Rs 16.54 in FY25.
Dividend: The Board recommended a final dividend of Rs 1.20 per equity share (60%) of face value Rs 2 each for FY26.

FY26 Consolidated Financial Highlights:

Total Income: Rs 34,27,242 lakh in FY26, up 7.00% YoY compared to Rs 32,03,025 lakh in FY25.
Interest Earned: Rs 29,67,410 lakh in FY26, up 5.58% YoY compared to Rs 28,10,608 lakh in FY25.
Net Profit (Attributable to Group): Rs 4,34,530 lakh in FY26, up 4.48% YoY compared to Rs 4,15,885 lakh in FY25.
Earnings Per Share (EPS): Basic EPS for the year stood at Rs 17.67, compared to Rs 16.98 in FY25.

Business Highlights:

Asset Quality: Standalone Gross NPA stood at 1.62% and Net NPA at 0.20% as of March 31, 2026, compared to 1.84% and 0.44%, respectively, in the previous year.
Capital Adequacy: Capital Adequacy Ratio (Basel III) improved to 17.25% as of March 31, 2026, from 16.40% a year ago.
Provision Coverage Ratio: Standalone PCR stood at 97.50% as of March 31, 2026.
Return on Assets: Standalone RoA for the year ended March 31, 2026, was 1.15%.
Net Worth: The bank's standalone net worth increased to Rs 38,69,054 lakh as of March 31, 2026, from Rs 33,12,164 lakh in the previous year.
Equity Allotment: The bank allotted 84,53,291 equity shares of Rs 2 each during the year pursuant to the exercise of stock options by employees.
Warrant Issuance: On February 16, 2026, the bank issued 27,29,74,043 warrants on a private placement basis to Asia II Topco XIII Pte. Ltd., receiving Rs 1,54,912.77 lakh (25% of the warrant price).
Strategic Acquisition: During Q3FY26, the bank acquired an additional 3.20 crore equity shares of Ageas Federal Life Insurance Company Limited, raising its total shareholding to 30%.
Income Tax Refund: The bank accounted for interest on income tax refunds aggregating to Rs 45,659.75 lakh during Q4FY26.

Result PDF

Q4FY26 Quarterly Result Announced for SBI Cards and Payment Services Ltd.

Finance company SBI Cards and Payment Services announced Q4FY26 results

Q4FY26 Standalone Financial Highlights:

Total Income: Reported at Rs 5,187 crore, an increase of 7.35% YoY compared to Rs 4,832 crore in Q4FY25, and a decrease of 3.10% QoQ compared to Rs 5,353 crore in Q3FY26.
Fees and Other Revenue: Stood at Rs 2,553 crore, growing by 13.01% YoY compared to Rs 2,259 crore in Q4FY25.
Profit Before Tax: Reported at Rs 816 crore, an increase of 13.49% YoY compared to Rs 719 crore in Q4FY25, and an increase of 8.95% QoQ compared to Rs 749 crore in Q3FY26.
Profit After Tax: Reported at Rs 609 crore, an increase of 14.04% YoY compared to Rs 534 crore in Q4FY25, and an increase of 9.34% QoQ compared to Rs 557 crore in Q3FY26.
Earnings Per Share (Basic): Stood at Rs 2.58 for the quarter compared to Rs 2.15 in Q4FY25, representing a YoY growth of 20%.
Dividend: The Board approved an interim dividend for the financial year 2026 at the rate of Rs 0.50 (Fifty Paisa only) per equity share (25% of face value of Rs 2 each).

FY26 Standalone Financial Highlights:

Total Income: Reported at Rs 20,708 crore for FY26, an increase of 11.11% YoY compared to Rs 18,637 crore in FY25.
Finance Costs: Rs 3,072 crore, a decrease of 3.34% YoY compared to Rs 3,178 crore in FY25.
Profit After Tax: Reported at Rs 2,167 crore, showing a growth of 13.10% YoY compared to Rs 1,916 crore in FY25.
Earnings Per Share (Basic): Stood at Rs 8.98 for FY26, remaining stable compared to Rs 8.98 in FY25.

Business Highlights:

Card-in-force: Grew by 6% YoY to 2.21 crore as of Q4FY26 (compared to 2.08 crore in Q4FY25).
Spends: Grew by 31% YoY to Rs 1,15,350 crore in Q4FY26 from Rs 88,365 crore in Q4FY25.
Receivables: Grew by 2% YoY to Rs 56,926 crore in Q4FY26 compared to Rs 55,840 crore in Q4FY25.
Asset Quality: Gross Non-performing assets (GNPA) improved to 2.41% as of March 31, 2026, from 3.08% as of March 31, 2025. Net Non-performing assets (NNPA) improved to 1.04% from 1.46% YoY.
Capital Adequacy: The Capital Adequacy Ratio (CRAR) was 25.5% as of March 31, 2026, compared to 22.9% as of March 31, 2025. Tier 1 capital was at 20.0%.
Market Share: For FY26, the market share in terms of Card-in-force was 18.6% and in terms of Spends was 18.1%.
New Accounts: New accounts volume stood at 917k in Q4FY26.

Result PDF

Q4FY26 & FY26 Result Announced for RBL Bank Ltd.

RBL Bank announced Q4FY26 & FY26 results

Q4FY26 Standalone Financial Highlights:

Total Income: Reported at Rs 4,78,921 lakh, an increase of 1.53% QoQ from Rs 4,71,700 lakh and 7.01% YoY from Rs 4,47,560 lakh.
Net Profit: Reported at Rs 22,971 lakh, reflecting a growth of 7.40% QoQ from Rs 21,388 lakh and a significant growth of 234.37% YoY compared to Rs 6,870 lakh.
Net Interest Income (NII): Stood at Rs 1,671 crore, up 1% QoQ and 7% YoY.
Other Income: Reported at Rs 1,06,896 lakh, up 1.78% QoQ from Rs 1,05,026 lakh and 6.89% YoY from Rs 1,00,003 lakh.
Earnings Per Share (EPS): Basic EPS stood at Rs 3.72 compared to Rs 3.48 QoQ and Rs 1.13 YoY.
Net Interest Margin (NIM): Reported at 4.41% for the quarter.

Q4FY26 Consolidated Financial Highlights:

Total Income: Reported at Rs 4,79,136 lakh, an increase of 1.55% QoQ from Rs 4,71,841 lakh and 6.99% YoY from Rs 4,47,791 lakh.
Net Profit: Reported at Rs 24,442 lakh, growing by 7.23% QoQ from Rs 22,795 lakh and 180.97% YoY from Rs 8,699 lakh.
Earnings Per Share (EPS): Basic EPS stood at Rs 3.96 compared to Rs 3.71 QoQ and Rs 1.43 YoY.

FY26 Standalone Financial Highlights:

Total Income: Stood at Rs 18,45,695 lakh for FY26, a growth of 3.43% YoY compared to Rs 17,84,525 lakh in FY25.
Net Profit: Reported at Rs 82,244 lakh for the full year, an increase of 18.27% YoY compared to Rs 69,537 lakh in the previous year.
Cash Flows: Net cash flow from operating activities saw a turnaround to Rs 7,57,701 lakh for FY26, compared to a negative flow of Rs (84,634) lakh in FY25.
Earnings Per Share (EPS): Basic EPS for the year was Rs 13.42 compared to Rs 11.45 in FY25.
Dividend: The Board has proposed a dividend of Rs 1 per equity share of face value of Rs 10 each.

FY26 Consolidated Financial Highlights:

Total Income: Reported at Rs 18,46,393 lakh for FY26, showing a growth of 3.62% YoY from Rs 17,81,949 lakh.
Net Profit: Stood at Rs 87,905 lakh for FY26, up 22.59% YoY compared to Rs 71,706 lakh in FY25.
Cash Flows: Net cash flow from operating activities was Rs 7,57,817 lakh for the year, compared to a negative flow of Rs (82,860) lakh in FY25.
Earnings Per Share (EPS): Basic EPS for the full year was Rs 14.34 compared to Rs 11.81 in the previous year.

Business Highlights:

Advances: Net Advances grew 23% YoY and 11% QoQ to Rs 1,14,232 crore. Retail Advances grew by 20% YoY to Rs 67,119 crore.
Deposits franchise: Total Deposits grew 25% YoY and 16% QoQ to Rs 1,39,018 crore. CASA deposits grew by 23% YoY to Rs 46,723 crore, with a CASA ratio of 33.6%.
Asset Quality: Gross NPA improved to 1.45% compared to 1.88% as of December 31, 2025. Net NPA improved to 0.39% compared to 0.55% as of December 31, 2025. Provision Coverage Ratio including technical write-offs stood at 94.9%.
Capital Position: Total Capital Adequacy Ratio was 14.25% with CET 1 at 12.77% as of March 31, 2026.
Network Expansion: The Bank added 23 branches during the quarter, bringing the total network to 603 branches and 1,942 total touchpoints.
Strategic Approval: The Bank received approvals from the RBI and the CCI for the strategic investment by Emirates NBD P.J.S.C, which is currently in its final stages of closure.

R Subramaniakumar, MD & CEO, RBL Bank, said: “Q4FY26 marks another quarter of stable and sustained operating performance for the Bank. We delivered growth that meaningfully outpaced normalised industry trends, led by sharp momentum in granular retail advances and sustained strengthening of our granular deposit franchise. During the quarter, we accelerated branch expansion by adding 23 branches, taking our total network to 603 branches. This expanded footprint strengthens our ability to deepen customer relationships, enhance sourcing capabilities, and support growth across our retail businesses as we enter the new financial year. Our core operating engine remains robust, anchored in disciplined execution, a continued focus on building a profitable and resilient balance sheet, and the scaling up of cross-sell initiatives across our existing customer base. During the quarter, the Bank received approvals from the RBI and the CCI for the strategic investment by Emirates NBD P.J.S.C in the Bank, and the transaction is now in its final stages of closure.”

Result PDF

Q4FY26 & FY26 Result Announced for IDFC First Bank Ltd.

IDFC First Bank announced Q4FY26 & FY26 results

Q4FY26 Standalone Financial Highlights:

Interest Earned: Rs 10,55,277 lakh (up 1.30% QoQ vs Rs 10,41,702 lakh and up 12.11% YoY vs Rs 9,41,294 lakh).
Other Income: Rs 1,63,004 lakh (down 23.29% QoQ vs Rs 2,12,497 lakh and down 14.00% YoY vs Rs 1,89,541 lakh).
Total Income: Rs 12,18,281 lakh (down 2.86% QoQ vs Rs 12,54,199 lakh and up 7.73% YoY vs Rs 11,30,835 lakh).
Net Profit: Rs 31,894 lakh (down 36.53% QoQ vs Rs 50,254 lakh and up 4.89% YoY vs Rs 30,408 lakh).
Basic EPS: Rs 0.37 (vs Rs 0.57 QoQ and Rs 0.42 YoY).

Q4FY26 Consolidated Financial Highlights:

Total Income: Rs 12,18,297 lakh (down 2.86% QoQ vs Rs 12,54,199 lakh and up 7.73% YoY vs Rs 11,30,842 lakh).
Net Profit: Rs 33,064 lakh (down 30.92% QoQ vs Rs 47,865 lakh and up 11.85% YoY vs Rs 29,560 lakh).
Basic EPS: Rs 0.38 (vs Rs 0.54 QoQ and Rs 0.40 YoY).

FY26 Standalone Financial Highlights:

Interest Earned: Rs 40,54,882 lakh (up 11.09% YoY vs Rs 36,50,149 lakh).
Total Income: Rs 48,42,211 lakh (up 11.26% YoY vs Rs 43,52,320 lakh).
Net Profit: Rs 1,63,636 lakh (up 7.31% YoY vs 1,52,485 lakh).
Net Cash Flow from Operating Activities: Rs 6,91,504 lakh (down 51.96% YoY vs 14,39,454 lakh).
Basic EPS: Rs 1.93 (vs Rs 2.09 YoY).
Dividend: The Board of Directors proposed a dividend of Rs 0.25 per share.

FY26 Consolidated Financial Highlights:

Total Income: 48,42,239 lakh (up 11.37% YoY vs 43,47,830 lakh).
Net Profit: 1,61,056 lakh (up 8.07% YoY vs 1,49,035 lakh).
Net Cash Flow from Operating Activities: 6,81,664 lakh (down 52.88% YoY vs Rs 14,46,509 lakh).
Basic EPS: Rs 1.89 (vs Rs 2.04 YoY).

Business Highlights:

Customer Business: Total Customer Business grew to Rs 5,74,731 crore as of March 31, 2026, up 18.6% YoY.
Loans and Advances: Customer loans and advances reached Rs 2,90,278 crore, reflecting a growth of 20.0% YoY.
Asset Quality: Gross NPA ratio improved to 1.61% from 1.87% YoY. Net NPA ratio improved slightly to 0.48% from 0.53% YoY. SMA 1 2 (Retail, Rural, and MSME) improved to 0.78% from 1.07% YoY.
Deposits: Customer Deposits stood at Rs 2,84,453 crore, up 17.3% YoY. CASA Deposits grew 24.0% YoY to Rs 1,46,650 crore. The CASA Ratio was 49.80% as of March 31, 2026.
Wealth Management: The Private Wealth Management business grew by 23% YoY to cross Rs 57,000 crore.
Credit Cards: Credit Cards in force crossed the 4.5 million mark during Q4FY26.
Capital Adequacy: Capital Adequacy Ratio stood at 15.60% as of March 31, 2026.
Operational Note: The Bank fully expensed an impacted amount related to a fraud incident at a Chandigarh branch involving unauthorized activities by certain employees. The principal amount paid was Rs 645.59 crore, with a post-tax impact of Rs 483 crore recognized in Q4FY26.

V Vaidyanathan, MD & CEO, said: “The asset quality of the bank remains stable. We have always mentioned that the asset quality of all businesses continues to perform well, except for the micro-finance book, which was an issue for the entire industry in FY25 and FY26. Hence, with the micro-finance issue behind us, the GNPA and NNPA have come down to healthy levels of 1.61% and 0.48%, respectively. The provisions during Q4FY26 have come down to the lowest level of two years, at 1.63% of loans, which is equivalent to 1.18% of assets. The first month of Q1FY27 has started strong for deposits, and the bank is confident of growing its deposit business healthily in line with past trends.”

Result PDF

Q4FY26 & FY26 Result Announced for L&T Finance Ltd.

Finance company L&T Finance announced Q4FY26 & FY26 results

Q4FY26 Standalone Financial Highlights:

Total Income: Reported at Rs 4,921.16 crore, a growth of 7.41% QoQ from Rs 4,581.71 crore and a growth of 22.28% YoY from Rs 4,024.43 crore.
Net Profit: Reported at Rs 947.09 crore, an increase of 29.49% QoQ from Rs 731.42 crore and a growth of 50.20% YoY compared to Rs 630.59 crore.
Earnings Per Share (EPS): Basic EPS stood at Rs 3.78 for the quarter, an increase of 29.45% QoQ from Rs 2.92 and 49.41% YoY from Rs 2.53.
Total Comprehensive Income: Reported at Rs 990.74 crore, reflecting a growth of 38.23% QoQ and 55.08% YoY.

Q4FY26 Consolidated Financial Highlights:

Total Income: Reported at Rs 4,771.10 crore, an increase of 4.14% QoQ from Rs 4,581.49 crore and a growth of 18.47% YoY from Rs 4,027.22 crore.
Net Profit: Reported at Rs 809.16 crore, up 9.64% QoQ from Rs 737.99 crore and up 27.26% YoY from Rs 635.84 crore.
Earnings Per Share (EPS): Basic EPS stood at Rs 3.22, up 9.15% QoQ and 26.27% YoY.
Total Comprehensive Income: Reported at Rs 852.84 crore, representing an increase of 17.91% QoQ and 32.41% YoY.

FY26 Standalone Financial Highlights:

Total Income: Stood at Rs 18,054.20 crore for FY26, a growth of 13.33% YoY compared to Rs 15,930.12 crore in FY25.
Net Profit: Reported at Rs 3,100.31 crore, showing a growth of 18.43% YoY from Rs 2,617.81 crore.
Net Cash Flows: Net cash used in operating activities was Rs (14,236.69) crore, compared to Rs (16,608.17) crore in the previous year.
Earnings Per Share (EPS): Basic EPS for the year was Rs 12.40, a growth of 18.10% YoY from Rs 10.50.
Dividend: Recommended a final dividend of Rs 2.75 per Equity Share (27.5% of face value Rs 10).

FY26 Consolidated Financial Highlights:

Total Income: Stood at Rs 17,917.03 crore for FY26, showing a growth of 12.39% YoY compared to Rs 15,940.98 crore in FY25.
Net Profit (Attributable to Owners): Reported at Rs 2,981.18 crore, a growth of 12.77% YoY from Rs 2,643.66 crore.
Net Cash Flows: Net cash used in operating activities was Rs (14,189.24) crore, compared to Rs (16,587.47) crore in the previous year.
Earnings Per Share (EPS): Basic EPS for the year was Rs 11.92, a growth of 12.35% YoY from Rs 10.61.

Business Highlights:

New Business Entry: The Board approved entering the business of pre-paid instruments (wallets and cards) and acting as a Third-Party Application Provider, subject to regulatory approvals.
Fund Raising: Approved raising funds via non-convertible debentures (NCDs) up to an aggregate amount of Rs 1,23,500 crore. Also approved the issuance of cumulative compulsorily redeemable non-convertible preference shares up to Rs 6,012 crore.
Acquisition: On June 9, 2025, the company acquired the gold loan business of Paul Merchants Finance Private Limited (PMFL) for a total consideration of Rs 711.93 crore.
Labour Code Impact: The group accounted for an estimated one-time incremental impact as an Exceptional Item amounting to Rs 28.51 crore (Consolidated) and Rs 28.43 crore (Standalone) due to the recognition of past service costs under the New Labour Codes.
Asset Quality: Standalone Gross Stage 3 assets stood at 3.41% as of March 31, 2026, compared to 3.69% in the previous year. Net Stage 3 assets improved to 1.44% from 1.84% YoY.
Capital Adequacy: Standalone Capital Adequacy Ratio (CRAR) stood at 18.84% as of March 31, 2026.
Appointments: Appointed Mr. Sachinn Joshi (as CFO and Whole-time Director for 2 years) and Mr. Raju Dodti (as Whole-time Director for 3 years), effective upon regulatory approvals.

Sudipta Roy, Managing Director & CEO, LTF, said: “FY26 has been a good year for us, despite significant headwinds in our microfinance business in the initial months of the year and the end of the year closing with geopolitical tensions. Through the course of the year, we remained steadfast in our approach—tightening credit and risk administration frameworks, strengthening collections infrastructure, accelerating our AI-led technology transformation and continuously focusing on growth across all our business lines. On the microfinance business, our focus was on navigating the cycle with prudence and our efforts have yielded results, with business parameters across both disbursements and collection efficiencies now reverting to near pre-crisis levels, giving us confidence that FY27 will be a stable and productive year for this segment.

FY26 also marks the successful completion of our Lakshya 26 strategic plan, achieving most of our stated objectives even amid volatility in the credit environment. This reflects the resilience of our diversified franchise, disciplined execution, and the strength of the digital and analytics capabilities that we built during the plan period. As we embark on our next five-year strategic roadmap, Lakshya 31, we are setting ourselves ambitious and measurable targets to drive consistent growth with improved profitability. While global geopolitical uncertainties persist, we remain confident that the solid foundation established during the Lakshya 26 period will enable us to deliver steady outcomes and create long-term value for all stakeholders and truly transform L&T Finance into a Risk-first, Technology-first, Multi-product Retail Financier of Choice.”

Result PDF

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