Key risks
- Dec 2025 profit collapsed to ₹9.7 Cr vs ₹123.48 Cr (Mar 2025) with OPM dropping to 34.27%; verify whether asset quality stress, exceptional provisioning, or one-time charge drove trough
- ROE of 7.6% against OPM of 39.97% shows weak capital efficiency; verify loan-to-deposit ratio and whether excess capital or poor turnover is culprit
- Promoter shareholding eroded 4.91 points (21.85% to 16.94%) in Q1 FY2026; verify pledge ratio and dilution reasons
- D/E ratio of 1.23 is moderate-to-high leverage; verify whether deposit growth keeps pace with loan expansion
Generated analysis · source review pending