CSL Finance Limited — PPTs, 13-02-2026: Investor Presentation

CSL Finance had a strong Q3FY26! Assets Under Management (AUM) jumped 27% YoY to ₹1,460 Cr, with disbursements also up 27% to ₹357 Cr. Net Interest Income (NII) grew 18% YoY to ₹41.4 Cr, and Profit After Tax (PAT) climbed 25% YoY to ₹20.9 Cr. The loan mix leaned more towards Wholesale (69%). Gross NPA increased to 1.00% and Net NPA to 0.75%, primarily due to higher impairments and adjusted provisioning.

Strategically, CSL is focusing on SME Retail for diversified growth, supercharging operations with tech, and tapping its reaffirmed 'A- Stable' credit rating for better funding access. Recent wins include two new lending partners (SBM Bank, Punjab & Sind Bank), growing its network to 36, plus new branch additions.

Management targets ₹1,500-₹1,600 Cr AUM for FY26. While SME Retail saw a temporary dip, it's set for a rebound next year, promising a rebalanced portfolio and better profitability. Swift NPA resolutions are also on the horizon.