| Margins | Net Interest Income grew 32% YoY; Incremental Cost of Funds stable at 8.7%. |
|---|---|
| Order book | Lending AUM at INR 16,855 Cr; Fund Management AUM at INR 2,988 Cr. |
| Demand visibility | Strong momentum in Consumer Finance and MSME segments. |
| Management confidence | High; reporting highest ever Q1 profit in company history. |
Growth
PAT grew 41% YoY to INR 114 Cr; Net Interest Income rose 32% to INR 394 Cr. Total AUM increased 26% YoY.
Outlook
Focusing on fee-based businesses, digital platform monetization via nPOS and NuScore, and expanding the D2C retail lending engine.
Risks
MFI sector experienced overleverage stress; asset quality in Intermediate Retail shows a GNPA of 0.8% and Credit Cost of 1.5%.
Last quarter's promises, checked
Delivered
- D2C mix target 60% → delivered 64% (= BEAT)
- Steady state credit cost 2.7%-2.8% → delivered 1.5% in Intermediate Retail (= BEAT)
- Incremental cost of funds 8.6%-8.7% → delivered 8.7% (= BEAT)
Partly delivered
- AUM growth 22%-25% → delivered 26% YoY but Q1 growth slowed QoQ (= PARTIAL)
Investor Presentation filed with NSE, NSE: NORTHARC. Summary written with AI assistance from the document.
Northern Arc Capital Ltd: key numbers
- Share price
- ₹293.75
- Market cap
- ₹4,753 Cr
- Revenue (annual)
- ₹2,690 Cr
- Net profit (annual)
- ₹406.0 Cr
- P/E (TTM)
- 10.8×Sector 21.8×
- Promoter holding
- 0.00%+0.00% QoQ
- FII holding
- 8.64%Current quarter
Reference market data from a third-party provider, updated daily. Not a valuation or a recommendation.
More from Northern Arc Capital Ltd
All →Northern Arc Capital Employee Stock Options
Northern Arc Capital allotted 1,44,000 ESOP shares to option grantees under its 2016 plan. Paid-up equity capital increased to Rs. 161.81 Crore.
Northern Arc Capital Other Announcement
Northern Arc Capital Limited submitted its monthly Asset Liability Management (ALM) statement for July 2026 to the Reserve Bank of India, as mandated by regulatory requirements.
Northern Arc Capital Capital Structure Change
Northern Arc Capital Limited allotted equity shares under its ESOP scheme. The allotment results in a minor increase in the company's paid-up share capital.
Northern Arc Capital Employee Stock Options
Northern Arc Capital Limited allotted 12,500 equity shares to employees exercising options under the company's ESOP 2016 scheme. The paid-up capital has increased accordingly.
Northern Arc Capital Annual General Meeting
Northern Arc Capital Limited concluded its 18th Annual General Meeting. Shareholders transacted resolutions regarding auditor appointments, borrowing limit increases, and the issuance of non-convertible debentures.
Northern Arc Capital Annual General Meeting
Northern Arc Capital shareholders approved the issuance of Non-Convertible Debentures up to ₹5,000 Crore. The 18th AGM also ratified auditor appointments and increased borrowing limits.
- Value
- ₹5,000 Cr