Centrum Capital Reports Q3 FY26 Results, Standalone Loss Reduced 26% QoQ
Centrum Capital reported its Q3 FY26 results, with standalone loss down 26% QoQ due to ₹200 crore debt retirement. The group expects consolidated PAT to turn positive in Q4 FY26. Divestment of Centrum Housing Finance is approved, expecting over ₹400 crores for debt reduction. Unity Small Finance Bank's CASA improved to 22%.
The results show a positive trend with debt reduction and improved operational metrics, but the overall financial performance still reflects challenges, particularly in consolidated PAT due to provisioning. The strategic moves are positive for long-term balance sheet health.
The company reported a reduction in standalone loss, positive outlook for consolidated PAT in the next quarter, and progress in strategic initiatives like debt reduction and the launch of new funds.
Centrum Capital Limited announced its unaudited financial results for the quarter and nine months ended December 31, 2025. The company reported a reduction in its standalone loss by 26% quarter-on-quarter, attributed to a decrease in interest costs following the retirement of ₹200 crore debt using QIP proceeds.
The Group's consolidated Profit After Tax (PAT) for the quarter was impacted by conservative provisioning in Unity Small Finance Bank, reflecting a prudent risk management approach amidst macroeconomic headwinds. The company anticipates consolidated PAT to turn positive in Q4 FY2026, driven by improving operating trends and strengthened fundamentals.
Further, Centrum Capital has received all necessary approvals for the divestment of Centrum Housing Finance Ltd., which is expected to yield over ₹400 crores in liquidity. These funds are earmarked for debt reduction, further strengthening the balance sheet and reducing costs.
Unity Small Finance Bank achieved a significant milestone with the migration of its Core Banking System to Finacle, enhancing processing efficiency and scalability. The bank maintains a strong Capital Adequacy Ratio (CRAR) of approximately 27% and a Liquidity Coverage Ratio (LCR) of 193%. CASA deposits have improved to around 22% from 15% in March 2025, contributing to a sustainable reduction in the cost of funds. The bank is focusing on asset growth in secured portfolios like gold loans and SME lending, and its recently obtained AD-I license will enable foreign exchange and cross-border services.
Modulus Alternatives' second fund, India Credit Opportunities Fund II (ICOF II), is fully deployed with gross investments of ₹1,406 crores, tracking a gross IRR of 16%. The third credit fund of ₹2,000 crores has been launched.
The Debt Structuring & Advisory team concluded deals aggregating ₹760 crores in Q3 FY2026, with an expected fundraising pipeline of approximately ₹1,500 crores, largely targeted for closure in Q4 FY2026.
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