Spandana Sphoorty Q1FY27 PAT at ₹12 Cr, AUM Grows 11% QoQ to ₹4,887 Cr
Spandana Sphoorty reported Q1FY27 PAT of ₹12 Cr, up from ₹5 Cr QoQ. AUM grew 11% QoQ to ₹4,887 Cr. Disbursements were ₹1,371 Cr. Consolidated GNPA improved to 3.64%. The company has ₹1,316 Cr liquidity and plans to launch an individual loan offering.
The results show strong financial and operational performance with positive future outlook, impacting investor confidence and company valuation.
The company reported significant improvements in PAT, AUM growth, and asset quality metrics (GNPA, PAR 30+), along with plans for future growth initiatives.
Spandana Sphoorty Financial Limited announced its unaudited financial results for the quarter ended June 30, 2026. The company reported a Profit After Tax (PAT) of ₹12 Cr, a significant increase from ₹5 Cr in the previous quarter. Disbursement momentum remained strong, with ₹1,371 Cr disbursed during the quarter, of which approximately 61% were extended to new customers.
Assets Under Management (AUM) increased by 11% quarter-on-quarter to ₹4,887 Cr, up from ₹4,420 Cr at the end of March 2026. The company highlighted efforts in strengthening sourcing and improving portfolio quality, evidenced by an X-bucket collection efficiency of 99.5% for June 2026 and a reduction in PAR 30+ to 4.4%. Recoveries from customers with over 90 days past due (DPD) amounted to ₹51 Cr during the quarter, bringing the total recoveries from this pool over the past 18 months to ₹325 Cr. Consolidated Gross Non-Performing Asset (GNPA) improved by 15 basis points QoQ to 3.64%.
Looking ahead, Spandana plans to explore growth in markets with low penetration, revive underperforming branches, roll out a new Loan Origination System (LOS) platform, and launch an individual loan offering. The company ended the quarter with liquidity of ₹1,316 Cr, a Capital to Risk-Weighted Assets Ratio (CRAR) of 33.8%, and a net worth of ₹2,140 Cr, positioning it for future growth.
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