CSL Finance Limited — PPTs, 13-11-2025: Investor Presentation

CSL Finance delivered strong Q2FY26 performance with Assets Under Management (AUM) growing 29% YoY to ₹1,397 Cr. Profit After Tax (PAT) surged 37% YoY to ₹24.5 Cr, and Net Interest Income (NII) rose 10% to ₹40.9 Cr. Asset quality remains stable with Gross NPA at 0.51% and Net NPA at 0.39%, alongside consistent 98% collection efficiency.

Strategic focus areas include expanding the SME Retail segment as a primary growth driver, optimizing branch profitability, and enhancing operations through digital technology. Recent developments include onboarding two new lending partners, expanding the total to 34, and adding two new branches. SME Retail disbursements notably increased 93% YoY.

Management is cautiously optimistic, targeting full-year AUM of ₹1,500-1,600 Cr. They anticipate a rebalancing of the AUM mix towards SME Retail, which is expected to boost profitability. The reaffirmed 'A- Stable' credit rating is poised to open doors to more competitive funding and new lenders.