Emerald Finance Ltd — Important, 22-01-2026: Company Update

Emerald Finance reported strong financial results for the quarter and half-year. For 9M FY26, standalone net profit surged by 104.60% to ₹8.76 Cr, with total income at ₹14.93 Cr. Q3 FY26 standalone net profit grew 82.14% to ₹3.15 Cr. CRISIL upgraded its long-term credit rating to BBB-/Stable from BB+, signalling improved credit metrics and expected lower cost of funds. Business momentum was robust, with over ₹105 Cr in gold loan disbursements in December and 35+ new corporate Earned Wage Access (EWA) partnerships. The company also partnered with Muthoot Fincorp and launched WhatsApp withdrawals for EWA.