TFL Q2FY27: PAT ₹8.05 Lacs vs Loss ₹86.68 Lacs, AUM ₹2145 Cr, Up 132%
Transwarranty Finance Limited (TFL) reported Q2FY27 PAT of ₹8.05 lacs vs. ₹86.68 lacs loss in Q2FY26. AUM grew 132% YoY to ₹2145.42 lacs. Disbursements were ₹15.20 crore, up 184% YoY. GNPA reduced to 0.77%. The company targets doubling AUM for FY2027.
The strong financial performance, significant YoY growth in key metrics like AUM and disbursements, and improved asset quality indicate a positive impact on the company's financial health and investor confidence.
The company has shown a significant turnaround in profitability, moving from a loss to a profit, and has achieved substantial growth in AUM and disbursements. Asset quality has also improved considerably.
Transwarranty Finance Limited (TFL) announced its unaudited financial results for the half year ended September 30, 2026, reporting a significant turnaround towards profitability with a Profit After Tax (PAT) of ₹8.05 lacs in Q2FY27, compared to a loss of ₹86.68 lacs in Q2FY26. This marks the second consecutive profitable quarter for the company.
The company has accelerated its growth journey, aiming to double its Assets Under Management (AUM) target for FY2027. For the quarter ended September 30, 2026, TFL reported a disbursement of ₹15.20 crore, a year-on-year growth of 184%. Cumulatively, until September 30, 2026, the company had disbursed ₹136.54 crore to approximately 85,400 borrowers.
Key financial highlights for Q2FY27 include an AUM of ₹2145.42 lacs, an increase of 132.04% year-on-year. The number of loans disbursed during Q2FY27 was 7,403, amounting to ₹1519.56 lacs, up 184% YoY. Net Interest Income (including fees) grew by 155.32% YoY to ₹104.78 lacs, and Net Interest Margin (including fees) stood at 19.83% compared to 16.71% in Q2FY26. Profit Before Provision and Contingencies (PPOP) was ₹7.03 lacs, a substantial increase from a loss of ₹58.14 lacs in the previous year.
Asset quality has shown marked improvement, with Gross Non-Performing Assets (GNPA) at 0.77% in Q2FY27, down from 8.76% in Q2FY26. Net Non-Performing Assets (NNPA) are at 0%, with 100% provision against all NPAs. Credit cost as a percentage to average AUM improved to -1.30% from 7.13% YoY. The company maintains a low leverage of 0.90x as of September 30, 2026, indicating sufficient capital adequacy.
Mr. Kumar Nair, Managing Director, highlighted the company's pivot to digital lending through its platform "Oroboro," focusing on smartphone finance in Tier 2 & 3 markets. TFL is expanding its lending portfolio towards higher-yield, lower-risk segments and is optimistic about sustaining and improving profitability. The company is committed to transparent governance, responsible growth, and long-term value creation for its investors.
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