CSL Finance Q4FY26 Earnings Call: AUM Grows 21% to ₹1,448 Cr, PAT Up 19% to ₹86 Cr
CSL Finance reported Q4FY26 AUM of ₹1,448 crore, up 21% YoY. Full-year PAT grew 19% to ₹86 crore, with ROE at 14.81%. The company plans a 15-25% AUM growth in FY27, driven by the wholesale segment, while expecting recovery in SME retail. A ₹30 crore NCD issue term sheet was concluded.
The announcement includes key financial metrics, growth guidance, and strategic insights into business segments, which are material for investors. However, it primarily provides an update on a conference call and does not announce a major corporate action or significant financial event.
The company reported strong year-on-year growth in AUM and PAT, improved ROE, and a positive outlook for the upcoming fiscal year, despite acknowledging challenges in the SME retail segment.
CSL Finance Limited hosted a conference call on May 29, 2026, to discuss its Q4 and full-year FY26 earnings. The company reported a significant 21% year-on-year growth in Assets Under Management (AUM), reaching ₹1,448 crore by Q4FY26, with the loan book growing to ₹1,395 crore, also up 21% year-on-year.
The AUM mix has shifted, with wholesale now comprising 69% and SME retail at 31%. Total disbursements for Q4 stood at ₹301 crore, a 5% increase year-on-year, while full-year disbursements reached ₹1,255 crore, up 12% over FY25. Collection efficiency remained strong at 98% throughout the year.
Financially, Net Interest Income (NII) for Q4 FY26 grew 21% year-on-year to ₹45.4 crore, and for the full year, it increased by 15% to ₹168 crore. Profit After Tax (PAT) for Q4 FY26 was ₹19.4 crore, up 2% year-on-year, and for the full year, PAT grew by 19% to ₹86 crore. Return on Equity (ROE) improved to 14.81% in FY26 from 13.31% in FY25.
The company acknowledged underperformance in the SME retail segment due to industry-wide consolidation, leveraged borrower profiles, and increased competition. However, CSL Finance is focusing on higher ticket sizes (₹7-50 lakhs) with better collateral in the SME retail segment and expects growth in FY27 as the operating environment improves. The wholesale segment continues to perform strongly.
Asset quality saw gross NPAs at 1.1% and net NPAs at 0.81% in Q4FY26. The company cited higher impairments due to lower NPA resolutions in H2FY26 and revised provisioning norms. Over two-thirds of the book is SARFAESI compliant, and a new ECL policy aligned with the business composition has been approved.
Operationally, CSL Finance has 44 branches and has onboarded Bank of Baroda as a new lender. A ₹30 crore NCD issue term sheet was concluded, diversifying its funding. The company’s credit rating was reaffirmed at A- Stable by Acuité Ratings and Research.
Looking ahead to FY27, CSL Finance remains cautiously optimistic, expecting continued strength in wholesale and a return to normalcy for the SME retail segment as the operating environment improves. The company guided for a 15%-25% AUM growth for FY27.
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