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IndoStar Capital Finance
SectorFinancial Services
The Quarter story
The two most recent quarterly results, compared side-by-side.
Indostar Capital Finance shows steady asset growth and improving operational efficiency, though rising NPAs and lower provision coverage require monitoring.
Consolidated AUM grew from ₹7,672 Cr in Q1 FY26 to ₹8,244 Cr in Q1 FY27, reflecting steady portfolio expansion.
Gross NPAs climbed from 3.81% in Q1 FY26 to 4.7% in Q1 FY27, signaling deteriorating asset quality.
Disbursements rose from ₹858 Cr in Q1 FY26 to ₹1,235 Cr in Q1 FY27, driven by consistent lending activity.
Provision coverage ratio fell from 59.4% in Q1 FY26 to 49.9% in Q1 FY27, weakening the buffer against loan losses.
Net interest income increased from ₹158.0 Cr in Q1 FY26 to ₹219.5 Cr in Q1 FY27, boosting core earnings.
Credit costs fell from ₹490 Cr in Q1 FY26 to ₹81 Cr in Q1 FY27, though a sharp Q4 spike to ₹517 Cr highlights recovery volatility.
Micro LAP accounts surged from 1,346 in Q1 FY26 to 3,420 in Q1 FY27, expanding the retail lending base.
Operating expenses to total assets rose from 4.5% in Q2 FY26 to 5.3% in Q1 FY27, pressuring cost efficiency.
Term loan borrowings jumped from 25% in Q1 FY26 to 49% in Q1 FY27, securing stable long-term capital.
LCR dipped from 170% in Q3 FY26 to 153% in Q1 FY27, tightening liquidity buffers despite adequate available funds.
