Mumbai, April 25 -- Total income increased by 13.30% year on year to Rs 4,810.07 crore in the quarter ended 31 March 2026.

Profit before tax was at Rs 1,161.34 crore in Q4 FY26, up 53.68% from Rs 755.66 crore posted in Q4 FY25.

Net interest margin (NIM) in Q4 FY26 stood at Rs 2,739 crore, up 27% YoY. The NIM margin was at 7.5% in Q4 FY26, compared with 6.5% for Q4 FY25.

Disbursement during the quarter was at Rs 17,184 crore, registering a growth of 11% YoY. The collection efficiency improved to 98% in Q4 FY26 as against 97% in Q4 FY25, driven by renewed momentum in collection on account of new stack adoption, digital workflows, data-led prioritization, and sharper focus on early delinquencies.

The company's capital adequacy remained h...