A leading housing finance company reported a 4.41% increase in net consolidated profit for the quarter ended June 30, 2025. The profit after tax for Q1 FY26 stood at ?1,364 crore, compared to ?1,306.40 crore recorded in the same quarter of the previous financial year, according to its exchange filing.
The company’s net consolidated total income for the quarter remained steady at ?7,250.16 crore, similar to the level reported during the corresponding period last year.
According to the management, the financial year began on a strong note, supported by a reduction in lending rates following the RBI’s rate cut. The company also introduced a zero processing fee during the quarter to improve access to housing credit.
As of June 30, 2025, the company reported the following financial and operational metrics:
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Net worth: ?35,934.06 crore
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Debt-equity ratio: 7.71
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Total debt to total assets: 0.88
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Operating margin: 23.49%
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Net profit margin: 18.80%
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Gross NPAs: 2.62%
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Net NPAs: 1.30%
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Liquidity coverage ratio: 177.43%
The board has also formed a review committee to oversee the identification of wilful defaulters.
Provisions for expected credit loss (ECL) stood at ?5,051.27 crore as of June 30, 2025, compared to ?5,670.07 crore a year earlier. The Stage 3 exposure at default improved to 2.62%, down from 3.30% reported on June 30, 2024.
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