Mumbai, July 22 -- Net interest income for the period under review was Rs 2,054 crore, up 2% YoY. Net interest margin was 8.24% in Q1 FY26 as against 9.31% in Q1 FY25.

Earnings before credit cost rose by 4% to Rs 1,499 crore in Q1 FY26 from Rs 1,438 crore in Q1 FY25.

Credit cost for the June'25 quarter was Rs 556 crore, up 8% YoY.

Profit before tax in Q1 FY26 stood at Rs 943 crore, up by 2% from Rs 923 crore posted in Q1 FY25.

The quarterly retail disbursements increased by 18% to Rs 17,522 crore in Q1 FY26 from Rs 14,839 crore. This was led by farmer finance, home loan & loan against property (LAP), and gold loans in the secured assets space while unsecured asset growth was contributed by personal loans.

The company's quarterly weig...