NSE · Financial Services · Mortgage Finance
EPS came in at 27.22 against a street estimate of 25.50 — a beat of 6.7%.
with an average price target of ₹606.62.
MIXED Q1 FY27 shows 14.5% disbursement growth and improving asset quality (NPA 2.14%), but portfolio growth stalled at 4% YoY. Margins compressed 10bps to 2.58%; management pivoting toward product diversification (LAP/LRD) and developer finance to offset headwinds. Q1 FY27 Geographic breakdown not discussed. Analysts pressed on persistent margin compression (87bps incremental-to-portfolio gap) and sluggish 4% YoY portfolio growth vs. peers at 20–25%. Management emphasized disbursement momentum (14.5% Q1, on 15% guidance) and product mix shift to LAP/LRD as margin defense, but acknowledged challenge of balancing growth with spreads in bank-competitive IHL segment. Developer finance credit policy refresh will reduce B-rated builder floor. 2026-07-31…
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