The company recently reduced lending rates to 7.15% onwards on individual home loans, positioning itself competitively in the market. Strategic initiatives are underway to diversify the loan portfolio and enhance operational efficiency, with a focus on self-employed and affordable housing segments. However, disbursement growth has stagnated due to intense competition, particularly from banks.
Cyborg Score Rationale
The company maintained a 5% growth in outstanding loan portfolio to INR 314,268 crore as of December 2025. In Q3 FY26, the company demonstrated resilience, reporting modest revenue increase while protecting net interest margin despite rising operational costs. However, market headwinds and competitive pressure from banks limit near-term upside.
Top Insights
Q3 FY26 revenue from operations was INR 7,187 crore, showing 2% growth year-over-year.
Borrower sentiment remains subdued as many potential clients await further interest rate reductions before committing to loans.
Individual home loan portfolio comprises 85% of total portfolio with 4% growth.
Market capitalization stands at INR 28,540.02 crore as of February 18, 2026.
Named Competitors
Housing Loans — Large bank competitor with aggressive mortgage lending
Housing Finance — Major banking competitor in residential real estate financing
Housing Finance — Growing competitor in housing and real estate finance
Recent Developments
(January 2026) Q3 FY26 results announced with 2% revenue growth and 5% portfolio growth despite competitive headwinds
(December 2025) Reduced lending rates to 7.15% onwards on individual home loans following RBI rate cuts
(February 2026) Stock trading at INR 556.45, down 4.77% over the past month amid market softness
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