CSL Finance Ltd (NSE:CSLFINANCE)

Q2 2026 CSL Finance Ltd Earnings Call Transcript

Nov 14, 2025 / 07:00 AM GMT

Release Date Price: ₹303.35 (+11.46%)

Transcript

Key Points

Positve

CSL Finance Ltd (BOM:530067) reported a 29% year-on-year growth in assets under management (AUM), indicating strong business performance.
The company achieved a notable 93% year-on-year increase in SME retail disbursements, reflecting successful corrective measures in the retail segment.
Asset quality showed improvement with gross NPAs reducing to 0.51% from 0.56% in the previous quarter.
Net interest income increased by 10% year-on-year, demonstrating effective financial management.
The company expanded its branch network and lender base, enhancing its distribution and funding capabilities.

Negative

Disbursements during Q2 showed a moderate 4% sequential decline, indicating potential challenges in maintaining growth momentum.
Interest costs increased by 34%, outpacing the 19% rise in interest income, which could pressure net interest margins.
The broader industry faces challenges such as overleveraged borrower profiles and muted income growth, impacting cautious lending practices.
Employee expenses have increased due to targeted hiring, which may affect short-term profitability.
The company faces competition in the SME segment, particularly from new entrants focusing on secured lending.

Refinitiv StreetEvents Event Transcript
E D I T E D V E R S I O N

CSLF.NS - CSL Finance Ltd
Q2 2026 CSL Finance Ltd Earnings Call
Nov 14, 2025 / 07:00AM GMT

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Presentation
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Unidentified_1 [1]
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Gentlemen, good day and welcome to the CSL Finance Limited Q2 and H1 FY26 earnings conference call hosted by TIL Advisors Private Limited.

As a reminder, all participant lines will be in the listen-only mode, and there will be an opportunity for you to ask questions after the presentation concludes.

Should you need assistance during the conference call, please click down an operator by pressing, then 0 on your touchstone phone. Please note that this call is being recorded.

I now hand the conference over to Mr. Sayampokharna from TIL Advisors Private Limited.

Thank you and over to you.

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Unidentified_2 [2]
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