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Q2 FY27 PAT Jumps 120% YoY to ₹8.73 Cr; Loan Book Crosses ₹500 Cr
Usha Financial Services reported a strong Q2 FY27, with standalone Net Profit rising 119.54% YoY to ₹8.73 crore (₹872.78 lakhs) compared to ₹3.98 crore in Q2 FY26. Total income for the quarter grew 50.81% YoY to ₹25.60 crore, while H1 FY27 PAT stood at ₹16.76 crore, up 79.95% YoY. The company's gross loan book expanded 27.72% YoY to ₹502.76 crore, supported by branch additions and co-lending partnerships. Asset quality showed sharp improvement, with GNPA declining to 2.70% and NNPA to 2.08%.
உச்சம் நம்பிக்கை
என்ன மாறியதுUsha Financial reported Q2 FY27 unaudited results showing doubling of quarterly profits and gross loan assets crossing ₹500 crore.
ஏன் இது முக்கியம்The company is successfully accelerating retail lending and co-lending while simultaneously improving asset quality (GNPA down to 2.70% from >6% in prior periods).
📅 குறுகிய காலம்Strong operational momentum with 120% YoY PAT growth and declining NPA metrics should be received well by the market.
📈 நீண்ட காலம்Expansion into retail, MSME, and co-lending platforms along with branch additions targets lower wholesale credit risk and diversified, sustainable AUM growth.
⚠ அபாய எச்சரிக்கைகள்
Rapid scaling in retail and unsecured fintech loans creates risk of seasoning-related slippages
External liquidity dependency and borrowing costs could impact net interest margins
👀 கவனிக்க வேண்டியவை
Track the execution of branch expansion to 40 locations by FY27-end and monitor whether GNPA stays controlled below 3% as retail/unsecured lending volumes scale up.
Q2 FY27 Net Profit Rises to ₹8.73 Cr; Revenue From Operations at ₹25.60 Cr
Usha Financial Services reported standalone revenue from operations of ₹25.60 Cr (₹2,559.79 Lakhs) for Q2 FY27 (ended September 30, 2026), driven primarily by interest income of ₹25.33 Cr. Net profit for the quarter stood at ₹8.73 Cr (₹872.78 Lakhs), yielding an EPS of ₹2.01. For the half-year (H1 FY27), total revenue reached ₹45.66 Cr and net profit stood at ₹16.76 Cr. Total financial loan assets as of September 30, 2026, expanded to ₹498.39 Cr.
உச்சம் நம்பிக்கை
என்ன மாறியதுUsha Financial Services reported its unaudited standalone financial results and integrated filing for Q2 and H1 FY27 ended September 30, 2026.
ஏன் இது முக்கியம்Demonstrates sequential revenue and net profit growth alongside loan asset book expansion to ₹498.39 Cr, reflecting steady operational scaling in its lending business.
Q2 Revenue from operations: ₹2,559.79 லட்சம்Q2 Net Profit: ₹872.78 லட்சம்Q2 EPS (Basic & Diluted): ₹2.01H1 Net Profit: ₹1,676.20 லட்சம்Total Loans Asset: ₹49,839.15 லட்சம்
📅 குறுகிய காலம்Earnings show continued profitability momentum with quarterly PAT advancing to ₹8.73 Cr, which is likely to be viewed constructively by the market.
📈 நீண்ட காலம்Long-term trajectory depends on credit underwriting controls, managing slippages, and successful diversification away from corporate/institutional concentrations into retail and EV lending.
⚠ அபாய எச்சரிக்கைகள்
Significant volume of related-party transactions and inter-corporate deposits disclosed with entities having common directors
Portfolio concentration risks inherent to NBFC wholesale and institutional lending
👀 கவனிக்க வேண்டியவை
Track asset quality metrics and GNPA/NNPA disclosures in subsequent filings, especially given the company's stated strategy to pivot from wholesale/NBFC lending into unsecured MSME and fintech co-lending.
Usha Financial Services to Issue Rs 10 Cr 12% Secured NCDs on Private Placement
Usha Financial Services Limited has approved the issuance of up to 1,000 Secured, Redeemable, Non-Convertible Debentures (Series 'R') with a face value of Rs 1,00,000 each, raising up to Rs 10 Crore via private placement. The NCDs carry a fixed coupon of 12.00% per annum payable monthly and have a tenure of 4 years. The issue is unlisted and secured by a first exclusive charge on identified receivables via hypothecation. The Rs 10 Crore fundraise represents ~13.5% of the company's TTM revenue of Rs 74 Crore and ~4.4% of its Net Worth of Rs 229 Crore.
உச்சம் நம்பிக்கை
என்ன மாறியதுThe company has approved a private placement of Rs 10 Crore in 12% unlisted secured 4-year NCDs.
ஏன் இது முக்கியம்Provides Rs 10 Crore in medium-term liquidity to support lending activities, though at a relatively high borrowing cost of 12.00% p.a.
Issue Size: INR 10 CroresCoupon Rate: 12.00% per annumTenure: 04 yearsIssue Size vs TTM Revenue: ~13.5%Issue Size vs Net Worth: ~4.4%
📅 குறுகிய காலம்Routine debt capital raising for an NBFC; negligible immediate impact on stock price or daily trading.
📈 நீண்ட காலம்Supports AUM growth across MSME/retail segments, but debt serviceability will depend on maintaining yields above the 12.00% borrowing rate amid rising credit costs.
⚠ அபாய எச்சரிக்கைகள்
High cost of borrowing at 12.00% fixed rate
Instrument is unlisted, offering no secondary market liquidity
Underlying asset quality pressure with company GNPA at 6.39% in 1HFY26
👀 கவனிக்க வேண்டியவை
Track the deployment of funds into loan book expansion and monitor whether the 12.00% cost of debt impacts overall net interest margins.
Usha Financial Services Approves Allotment of 13.15% Senior Secured NCDs Maturing Mar 2028
Usha Financial Services Limited announced that its Board of Directors approved the allotment of 13.15% unlisted, rated, senior, secured, transferable, redeemable non-convertible debentures (NCDs) via private placement on September 21, 2026. The NCD series is designated as '13.15% USFLMar2028', indicating a maturity in March 2028. The total quantum of funds raised was not disclosed in the filing. This high coupon rate of 13.15% reflects the prevailing borrowing costs for the NBFC's targeted lending expansion.
நடுத்தரம் நம்பிக்கை
என்ன மாறியதுThe company has issued a fresh series of 13.15% secured non-convertible debentures maturing in March 2028.
ஏன் இது முக்கியம்Provides debt liquidity to support lending disbursements, although the relatively high 13.15% coupon underscores high funding costs.
Coupon rate: 13.15%Maturity: மார்ச் 2028Total fundraise quantum: வெளியிடப்படவில்லை
📅 குறுகிய காலம்Neutral impact expected as debt issuance is routine for an NBFC, though details on the amount raised remain absent.
📈 நீண்ட காலம்Crucial for sustaining AUM growth, but managing spreads will be critical given the steep 13.15% coupon rate against GNPA of 6.39% reported in 1HFY26.
⚠ அபாய எச்சரிக்கைகள்
High cost of debt (13.15% coupon rate)
Issue amount not disclosed in the disclosure
👀 கவனிக்க வேண்டியவை
Track subsequent quarterly filings to verify the exact fundraise quantum and monitor net interest margins to assess if asset yields sufficiently cover the 13.15% borrowing cost.
Usha Financial Board Approves Issuance of 13.15% Secured NCDs via Private Placement
The Board of Directors of Usha Financial Services Limited has approved the issuance of 13.15% unlisted, rated, senior, secured, transferable, redeemable Non-Convertible Debentures (NCDs) on a private placement basis. The total issue size and tenure were not disclosed in the filing. Additionally, the appointment of a Debenture Trustee was approved to oversee the debt issuance. The high coupon rate of 13.15% reflects the current cost of borrowing for the NBFC, which carries a net worth of ₹229 Cr and TTM revenue of ₹74 Cr.
நடுத்தரம் நம்பிக்கை
என்ன மாறியதுUsha Financial Services has authorized a new private placement debt round via 13.15% secured NCDs and appointed a Debenture Trustee.
ஏன் இது முக்கியம்Provides fresh debt capital to fund loan disbursements and AUM growth, though the 13.15% coupon rate indicates relatively high borrowing costs that could pressure net interest margins.
📅 குறுகிய காலம்Neutral near-term reaction expected until quantum of the fundraising is disclosed.
📈 நீண்ட காலம்Facilitates ongoing credit growth and lending diversification away from wholesale exposure, provided lending yields sufficiently exceed the 13.15% debt cost.
⚠ அபாய எச்சரிக்கைகள்
Relatively high borrowing cost of 13.15% creates margin pressure
Issue quantum and tenure not disclosed in the filing
👀 கவனிக்க வேண்டியவை
Track subsequent regulatory filings to ascertain the total capital raised and the tenure of the NCDs to evaluate the impact on interest expense and margins.
📊 கடந்த 7 நாட்கள் — உணர்வு அடிப்படையில் பகுப்பாய்வு செய்யப்பட்ட அறிவிப்புகள்
Usha Financial Withdraws 13.15% NCD Issue Due to Non-Receipt of Subscription Monies
Usha Financial Services has announced the withdrawal and closure of its planned private placement of 13.15% unlisted, rated, senior, secured, redeemable non-convertible debentures (NCDs). The decision was approved by the Board of Directors on September 16, 2026, due to non-receipt of subscription monies. The total planned issue size was not disclosed in the filing. This withdrawal reflects potential fundraising headwinds or investor hesitation despite an attractive coupon rate of 13.15%.
உச்சம் நம்பிக்கை
என்ன மாறியதுThe company has formally scrapped its proposed private placement of 13.15% senior secured NCDs because expected investor subscription funds were not received.
ஏன் இது முக்கியம்Inability to close debt financing, even at a high 13.15% coupon, points to tight liquidity conditions or risk aversion among debt investors, potentially constraining loan book expansion.
NCD Coupon Rate: 13.15%Issue Size: வெளியிடப்படவில்லைTTM வருவாய்: Rs 74 கோடி
📅 குறுகிய காலம்May weigh negatively on market sentiment as debt market participants opted not to participate despite the double-digit yield.
📈 நீண்ட காலம்Structural expansion depends on external borrowing; repeated hurdles in debt funding could curtail wholesale-to-retail transition and overall AUM growth.
⚠ அபாய எச்சரிக்கைகள்
Funding liquidity risk due to inability to secure planned private debt subscriptions
High cost of capital implied by the 13.15% coupon rate
👀 கவனிக்க வேண்டியவை
Monitor alternative borrowing channels and quarterly disbursement volumes to assess whether this failed debt raise affects asset growth and liquidity.
Usha Financial Approves 13.15% NCD Issue on Private Placement and Redeems 12% Series K NCDs
Usha Financial Services Limited announced the outcome of its board meeting held on September 15, 2026. The board approved the issuance of 13.15% Unlisted, Rated, Senior, Secured, Transferable, Redeemable Non-Convertible Debentures (NCDs) on a private placement basis. Concurrently, it approved the redemption of its existing 12% Secured, Redeemable NCDs ('Series K') and the appointment of a Debenture Trustee. The total issue size and redemption amount were not disclosed in the filing.
நடுத்தரம் நம்பிக்கை
என்ன மாறியதுThe company has authorized raising fresh debt via 13.15% secured NCDs while redeeming earlier 12% Series K NCDs.
ஏன் இது முக்கியம்The refinancing involves a higher coupon rate (13.15% vs 12%), which may slightly increase finance costs depending on the principal amount raised relative to its Rs 74 Cr TTM revenue base.
📅 குறுகிய காலம்Neutral reaction expected as the issuance and redemption amounts are not quantified in the disclosure.
📈 நீண்ட காலம்Reflects ongoing liability management as the NBFC refinances debt; higher coupon highlights prevailing liquidity costs in its segment.
⚠ அபாய எச்சரிக்கைகள்
Refinancing at a higher interest rate (13.15% vs 12%) may pressure net interest margins
Key quantum figures not disclosed in the initial filing
👀 கவனிக்க வேண்டியவை
Track subsequent disclosures for the total quantum of debt raised, maturity details, and the net impact of the higher 13.15% coupon rate on company borrowing costs.
Usha Financial Shareholders Approve NCD Issuance Up to ₹200 Cr on Private Placement Basis
Shareholders of Usha Financial Services approved an enabling resolution at their 30th AGM on September 9, 2026, to issue Non-Convertible Debentures (NCDs) up to ₹200 crore on a private placement basis over a one-year period (September 9, 2026 to September 8, 2027). The proposed borrowing limit is substantial, representing ~87% of the company's net worth of ₹229 crore and 2.7x its TTM revenue of ₹74 crore. The issuance covers up to approximately 20,000 securities across secured, unsecured, perpetual, listed, or unlisted NCDs in one or more tranches. Specific coupon rates, tenures, and security details will be determined by the Board and management at the time of each tranche's issuance.
உச்சம் நம்பிக்கை
என்ன மாறியதுShareholders formally approved a ₹200 crore NCD borrowing limit via private placement for the next 12 months.
ஏன் இது முக்கியம்Enables the NBFC to access substantial debt capital (representing ~87% of net worth) to support loan book expansion, especially as it diversifies toward MSME and green financing.
Issue Size: Upto Rs. 200 croresIssue size vs Net Worth: ~87.3%Issue size vs TTM Revenue: ~270%Number of securities: Upto 20,000 approxValidity period: செப்டம்பர் 09, 2026 to செப்டம்பர் 08, 2027
📅 குறுகிய காலம்This is an enabling shareholder approval; short-term impact will depend on specific tranche announcements detailing coupon pricing and investor commitments.
📈 நீண்ட காலம்If successfully tapped at reasonable interest rates, the ₹200 crore debt room could significantly expand the lending book from the current ~₹395-410 crore level.
⚠ அபாய எச்சரிக்கைகள்
Increased leverage could elevate finance costs if market borrowing rates are high
Dependency on wholesale credit markets to find willing subscribers on favorable terms
👀 கவனிக்க வேண்டியவை
Track subsequent board disclosures detailing individual tranche issuances, including borrowing costs (coupon rates), tenure, and whether the funds are successfully deployed to expand the loan book.
Usha Financial Seeks Shareholder Approval for Up to ₹150 Cr Related Party Transactions
Usha Financial Services Limited has issued a notice convening an Extraordinary General Meeting (EGM) on September 26, 2026. The company is seeking shareholder approval for material related party transactions (RPTs) to grant or avail unsecured loans with two entities: up to ₹25.00 Cr with Uninav Developers Pvt Ltd and up to ₹125.00 Cr with Uninav Buildcon Pvt Ltd (including ratification of ₹50.00 Cr already entered into). Relative to the company's TTM revenue of ₹74 Cr and net worth of ₹229 Cr, the aggregate proposed limits of ₹150 Cr represent a substantial exposure.
உச்சம் நம்பிக்கை
என்ன மாறியதுUsha Financial Services has called an EGM to approve up to ₹150 Cr in unsecured loan transactions with related entities for FY27.
ஏன் இது முக்கியம்The combined transaction limit represents ~65% of net worth (₹229 Cr) and over 200% of TTM revenue (₹74 Cr), making related-party asset/liability quality critical to the NBFC's financial health.
📅 குறுகிய காலம்Focus will be on the EGM voting results to see if public minority shareholders clear the substantial RPT limits.
📈 நீண்ட காலம்Large unsecured inter-corporate loan exposure to related parties can pose concentration, credit, and corporate governance risks if not managed strictly at arm's length.
⚠ அபாய எச்சரிக்கைகள்
High related-party transaction limits relative to net worth (~65%) and revenue (~203%)
Transactions involve unsecured lending/borrowing
Retrospective ratification sought for ₹50 Cr already entered into during FY27
👀 கவனிக்க வேண்டியவை
Track the outcome of the EGM voting on September 26, 2026, where related parties must abstain, and inspect future quarterly filings for related-party balance sheet exposures.
50% YoY PAT Growth in Q1 FY27; Loan Book Crosses ₹409 Crore
Usha Financial Services (UFSL) reported a strong Q1 FY27 with standalone Profit After Tax (PAT) rising 50.3% YoY to ₹8.03 Cr. Total income grew 16.6% YoY to ₹20.32 Cr, representing approximately 28.6% of its TTM revenue. A massive 1,485% surge in the number of loans disbursed (23,566 vs 1,486 YoY) highlights a aggressive shift toward retail and co-lending. The company plans to double its branch network from 20 to 40 by the end of FY27, focusing initially on Uttar Pradesh.
உச்சம் நம்பிக்கை
என்ன மாறியதுUsha Financial has reported a significant acceleration in retail loan volumes and profitability for the first quarter of FY27.
ஏன் இது முக்கியம்The results validate the company's strategic pivot from a wholesale-heavy model toward high-volume retail and MSME lending, which aims to improve yields and diversify the portfolio.
Q1 PAT vs TTM PAT: ~36.5%Q1 வருவாய்: ₹20.32 கோடிLoan Book: ₹409.13 கோடிDisbursement Volume Growth: 1,485% YoYTarget Branches (FY27): 40
📅 குறுகிய காலம்The stock may see positive sentiment driven by the 50% PAT growth and the substantial jump in loan disbursement volumes.
📈 நீண்ட காலம்The transition to a retail-focused NBFC with a larger branch footprint could structurally improve margins, though it requires disciplined risk management to handle unsecured lending stress.
⚠ அபாய எச்சரிக்கைகள்
Rapid growth in unsecured retail segments may lead to future asset quality stress
Geographic concentration risk with immediate expansion focused on Uttar Pradesh
👀 கவனிக்க வேண்டியவை
Monitor the impact of rapid retail expansion on asset quality (GNPA/NNPA) and track the execution of the branch expansion timeline to 40 locations by FY27 end.
Rs 8.03 Cr PAT in Q1 FY27; Usha Financial Reports 15% Sequential Revenue Growth
Usha Financial Services Limited (USHAFIN) reported a standalone net profit of Rs 8.03 Cr for the quarter ended June 30, 2026, a significant improvement over the Rs 6.55 Cr reported in the March 2026 quarter. Total revenue from operations stood at Rs 20.32 Cr, driven primarily by interest income of Rs 19.61 Cr. The company maintained strong profitability with a Profit Before Tax (PBT) of Rs 10.78 Cr, despite finance costs of Rs 5.46 Cr. Basic EPS for the quarter was recorded at Rs 1.85.
உச்சம் நம்பிக்கை
என்ன மாறியதுThe company has released its first-quarter financial results for FY27, showing a sequential increase in both top-line revenue and bottom-line profitability compared to the previous quarter.
ஏன் இது முக்கியம்The strong start to FY27 (PAT of Rs 8.03 Cr) suggests the company is on a trajectory to significantly exceed its FY26 performance, provided asset quality remains stable during its transition to retail/MSME segments.
Net Profit (Q1 FY27): Rs 8.03 கோடிRevenue (Q1 FY27): Rs 20.32 கோடிQ1 PAT vs FY26 Annual PAT: 35.7%Interest Income: Rs 19.61 கோடிBasic EPS: Rs 1.85
📅 குறுகிய காலம்The stock may see positive sentiment in the short term as the quarterly profit run-rate is substantially higher than the average quarterly profit of the previous fiscal year.
📈 நீண்ட காலம்Long-term growth depends on the successful diversification away from institutional lending concentration (64.75% of AUM) and managing credit costs in the newer unsecured MSME segments.
⚠ அபாய எச்சரிக்கைகள்
High concentration in institutional/NBFC lending
Historical trend of rising GNPA (6.39% in 1HFY26)
Dependency on external borrowing for liquidity
👀 கவனிக்க வேண்டியவை
Investors should monitor the company's asset quality trends in upcoming quarters, specifically the GNPA levels which were previously reported at 6.39%. The execution of the strategy to shift from wholesale lending to unsecured MSME and EV financing will be critical for long-term margin sustainability.
⚠️இந்தத் தளம் எவ்வாறு உருவாக்கப்படுகிறது: சந்தைத் தரவுப் பக்கங்கள் NSE/BSE வெளியீடுகள் மற்றும் நிறுவனங்களின் தாக்கல்களிலிருந்து தானாகக் கணக்கிடப்படுகின்றன; செய்திக் கட்டுரைகளும் அறிவிப்புப் பகுப்பாய்வுகளும் AI உதவியுடன் எழுதப்படுகின்றன, மனித மேற்பார்வையுடன்: AI உருவாக்குவதை எங்கள் ஆசிரியர்கள் மதிப்பாய்வு செய்கின்றனர். இரண்டிலும் பிழைகள் இருக்கலாம். எந்தவொரு முதலீட்டு முடிவுக்கு முன்பும் அசல் மூலங்களில் சரிபார்க்கவும். முதலீட்டு ஆலோசனை அல்ல; Flash Finance SEBI-பதிவு பெற்றது அல்ல. நாங்கள் AI-ஐ எவ்வாறு பயன்படுத்துகிறோம்
🎁 ஆரம்பகால ஆதரவாளர்களுக்கு மட்டும் · குறுகிய கால சலுகை
எங்கள் AI பங்குச் சந்தை பகுப்பாய்வு: டெலிகிராம், வாட்ஸ்அப்பில் இலவசம்
⚡ 3500+ நிறுவனங்களை நாங்கள் உடனுக்குடன் கண்காணிக்கிறோம். NSE-யில் ஒரு நிறுவன அறிவிப்பு வெளியானதுமே, எங்கள் AI அதைப் படித்து, சுருக்கி, அதன் தாக்கத்தைச் சில நொடிகளில் உங்களுக்குச் சொல்கிறது.
இதுபோன்ற AI பகுப்பாய்வுக்குக் கட்டணத் தளங்கள் ஆண்டுக்கு ₹1,00,000-க்கும் மேல் வசூலிக்கின்றன. எங்கள் சேனல்களில் இது இலவசம்.
