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Record Q1 growth, 720% PAT surge, and robust asset quality drive strong profitability.

Strong Q4 growth, margin expansion, and digital adoption set up for 20%-25% AUM growth in FY 2027.

Asset quality normalized, retail finance surged, and FY27 targets 20%+ AUM growth.

Disbursements surged, retail finance grew, and credit costs rose, but outlook remains robust.

Record Q1 disbursements, improved asset quality, and strong retail finance growth drive positive outlook.

Elevated credit costs and regulatory headwinds impacted FY25, but FY26 targets growth and recovery.

Collection efficiency exceeds 99% as asset quality stabilizes and AUM resumes growth.

AUM up 11.8% YOY, NIM at 13.5%, with credit costs peaking and stabilization expected in Q3 FY25.

Strong AUM growth and profitability sustained, with stable asset quality and robust guidance.