CSL Finance Limited — PPTs, 12-08-2025: Investor Presentation

Here is the summary based on the provided document:

**1. Financial Highlights:**

CSL Finance reported robust Q1FY26 results. Assets Under Management (AUM) grew 22% YoY to ₹1,299 Cr, with disbursements at ₹305 Cr. Net Interest Income (NII) reached ₹40.3 Cr and Profit After Tax (PAT) ₹21.3 Cr. Gross NPA rose to 0.56% and Net NPA to 0.42%. Capital Adequacy Ratio (CAR) stands at 46.04%, with Return on Equity (ROE) at 15.14%.

**2. Strategic Initiatives & Growth Drivers:**

SME Retail is a key growth focus, supported by planned branch expansion and technology investments for efficiency. The reaffirmed 'A- Stable' credit rating is crucial for securing competitive funding and expanding lender relationships, underpinning AUM growth. An ESOP scheme is being implemented to align leadership incentives with long-term goals.

**3. Business Developments:**

The AUM mix shifted to 69% Wholesale due to its strong performance, while SME Retail faces industry stress. The company onboarded a new lender, expanding its network to 32, which diversifies funding sources. New branches are planned to boost SME Retail growth.

**4. Market Position & Competitive Advantage:**

CSL operates a 100% secured loan book, backed by strong risk management practices. Its digital-first approach targets underserved segments using alternative data. Deep NCR wholesale lending expertise and proactive project monitoring offer a competitive edge in its niche markets.

**5. Investor Implications:**

Consistent financial growth and a strong credit rating signal positive growth potential and improved capital access. Investors should monitor SME Retail recovery and elevated slippages. The increasing wholesale lending concentration merits attention for portfolio balance.