Q4 2026 CSL Finance Ltd Earnings Call Transcript
Key Points
- CSL Finance Ltd (BOM:530067) reported a 21% year-on-year increase in AUM, reaching INR1,448 crores by Q4 FY26.
- The company's net interest income for Q4 FY26 rose by 21% year-on-year, driven by higher average AUM.
- Collection efficiency remained strong at 98% across all quarters, indicating robust portfolio quality.
- The company successfully onboarded Bank of Baroda as a new lender and concluded a term sheet for a INR30 crore NCD issue, diversifying its funding sources.
- CSL Finance Ltd's ROE improved to 14.81% in FY26 from 13.31% in FY25, reflecting enhanced return on equity.
- The SME retail segment underperformed due to industry-wide consolidation and increased competition, affecting growth.
- Gross NPA increased to 1.1% in Q4 FY26 from 0.46% in Q4 FY25, indicating a rise in asset quality challenges.
- The company's disbursements in Q4 FY26 declined by 15% sequentially, reflecting volatility in wholesale activity.
- Higher impairments were recorded in the second half of FY26 due to lower NPA resolutions.
- The SME retail book's growth was hindered by overleveraged borrower profiles and stagnant income growth in the MSME ecosystem.
Ladies and gentlemen, good day, and welcome to the CSL Finance Limited Q4 FY26 Earnings Conference Call hosted by TIL Advisors Private Limited. (Operator Instructions) Please note that this conference is being recorded.
I now hand the conference over to Mr. Sayam Pokharna from TIL Advisors Private Limited. Thank you, and over to you, sir.
Thank you, Sagar. Good evening, everyone, and thank you for joining us today for the Q4 and FY26 Earnings Conference Call of CSL Finance Limited. The investor presentation for quarter four has already been uploaded on the stock exchange and on the company website.
In case you wish to be added to our mailing list, please feel free to reach out to us. To take us through today's results, we have with us from the management team, Mr. Rohit Gupta, Managing Director; Mr. Naresh Chandra Varshney, Chief Financial Officer; Mr. Chandan Kumar, Head, Strategy and Business; Ms.
Rachita Gupta, Whole-Time Director; Mr. Atul Agarwal, President,
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