A reported a 5.12% year-on-year decline in its consolidated net profit for the quarter ended September 30, 2025. The firm posted a profit after tax of ?103.15 crore in Q2 FY26, compared with ?108.72 crore in the same period last year, according to a regulatory filing.Consolidated total income grew 4.18% to ?441.90 crore in the reporting quarter, up from ?424.19 crore in the corresponding quarter of the previous fiscal. The company’s overall loan book expanded to ?15,033 crore as of September 30, 2025, marking a 7.7% increase from ?13,964 crore a year earlier. Assets under management stood at ?14,690 crore as of June 30, 2025. As of the September quarter, loans to the non-salaried segment accounted for 52.6% of the portfolio, while the salaried segment made up 47.4%. Housing loans formed 71.4% of the book, with home-equity products comprising the remaining 28.6%. All loans are retail in nature. The gross non-performing assets (GNPA) ratio improved to 3.16%, down from 3.96% a year earlier. The net NPA ratio eased to 1.50% from 1.59%. Gross NPAs amounted to ?475 crore compared with ?552 crore last year, while net NPAs stood at ?225 crore against ?217 crore previously. Provisions for expected credit losses amounted to ?375 crore, representing 2.5% of total loan assets, with a stage-3 coverage ratio of 52.5%. During Q2 FY26, loan sanctions totalled ?1,206 crore, while disbursements reached ?1,069 crore. The company reported a return on assets (RoA) of 2.9% and a return on equity (RoE) of 13.5%, compared with 3.3% and 16.0% respectively in Q2 FY25. The capital adequacy ratio remained strong at 36.88%.