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Company Filings, Explained Simply

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📋 Filing Types Available on ForgeUp Filings Sourced from BSE corporate announcements (equity segment). Companies covered are BSE-listed and most are also listed on NSE. We show only material filings.
Financial Results Orders Dividend Buyback Merger / Acquisition Board Meeting Outcome Fundraise (QIP / Rights / FPO) Regulatory / Court Order Credit Rating Change Promoter Pledge Update Management Change Joint Venture / MOU Delisting Bonus Shares Stock Split
Data sourced from BSE India corporate announcements. More categories will be added over time.
Five-Star Business Finance Ltd

Five-Star Business Finance Q2 FY27 PAT up 5% to Rs 299 Cr; AUM Rs 14,640 Cr

RESULTS ▲ Positive Development MEDIUM RISK
📅 Filed on BSE: 26 Oct 2026, 04:51 PM IST  ·  BSE ID: 06fbcc8a-175d-4948-a704-d830d4b206ea
View Original BSE Filing (PDF)
💡
In Simple Terms
The company's profit grew 5% and its loan book increased 14% in the second quarter of the financial year.
🤖 AI Summary
  • Profit After Tax (PAT) for Q2 FY27 increased 5% year-on-year to Rs 299 Cr.
  • Assets Under Management (AUM) grew 14% year-on-year, reaching Rs 14,640 Cr as of September 30, 2026.
  • Disbursements for Q2 FY27 were Rs 2,078 Cr, marking a 74% year-on-year increase.
  • Gross Stage 3 Assets increased by 0.84% year-on-year to 3.48% in Q2 FY27.
  • Unique customer collection efficiency (excluding NPAs) improved to 98.2% in Q2 FY27 from 97.9% in Q1 FY27.
🔢 Key Numbers — exact figures from BSE filing, not rounded
AUM
Rs 14,640 Cr
14%
Disbursements
Rs 2,078 Cr
74%
Gross Stage 3 Assets
3.48%
0.84%
Net Stage 3 Assets
2.14%
0.68%
PAT
Rs 299 Cr
5%
Net Interest Margin
19.87%
0.16%
Return on Average AUM
8.39%
-0.59%
Return on Equity
15.25%
-1.66%
🏢 How This Affects the Company
📈
Business Impact
The company reported its historically best disbursements of Rs 2,078 Cr, indicating an expansion in loan origination and customer reach. AUM growth of 14% year-on-year to Rs 14,640 Cr reflects an increase in the overall loan portfolio.
💰
Financial Impact
PAT for Q2 FY27 increased to Rs 299 Cr, including a one-time tax benefit of Rs 19 Cr from prior years. Net Interest Margin remained broadly stable at 19.87%, while Return on Equity decreased to 15.25% from 16.91% year-on-year.
⚙️
Operational Impact
The company increased its branch presence to 875 branches by opening 19 new branches during the quarter, expanding its operational footprint. Unique customer collection efficiency (excluding NPAs) improved to 98.2%, signaling enhanced collection processes.
⚠️
Risk Impact
Gross Stage 3 Assets increased to 3.48% from 2.64% year-on-year, indicating a rise in non-performing assets. This trend suggests increased credit risk on the loan book compared to the previous year's comparable period.
👥 What This Means For Shareholders
✅
Action Required
No specific action is required from shareholders based on this financial results press release.
👤
Who Is Affected
Shareholders are affected by the company's financial performance, including a 5% increase in Q2 FY27 PAT to Rs 299 Cr and a 14% AUM growth to Rs 14,640 Cr. The rise in Gross Stage 3 assets to 3.48% also impacts the underlying asset quality.
🔍
Management Signal
Management is focused on driving disbursement growth and improving collection efficiency, while acknowledging and intending to cushion the impact of potential increases in cost of funds through yield adjustments.

For information only. Not investment advice. ForgeUp is not SEBI-registered.

👁 Watch List — track these upcoming events
Q3 FY27 financial results — assess sustained disbursement growth and asset quality trends.
Updates on cost of funds and Net Interest Margin in subsequent quarters.
Further details on strategies to manage Gross Stage 3 assets.
MEDIUM RISK While disbursements show strong growth, the increase in Gross Stage 3 assets indicates rising credit risk.
💡 Investor Takeaway
Five-Star Business Finance reported Q2 FY27 PAT of Rs 299 Cr, up 5% year-on-year, and AUM of Rs 14,640 Cr, a 14% year-on-year increase. Disbursements grew 74% year-on-year to Rs 2,078 Cr. Gross Stage 3 Assets increased to 3.48% from 2.64% year-on-year.
⚖️ Strengths & Concerns

✅ Positives

  • Disbursements for Q2 FY27 were Rs 2,078 Cr, a 74% year-on-year growth, showing significant loan origination momentum.
  • Unique customer collection efficiency (excluding NPAs) improved to 98.2% in Q2 FY27 from 97.9% in Q1 FY27.

⚠️ Concerns

  • Gross Stage 3 Assets increased to 3.48% in Q2 FY27 from 2.64% in Q2 FY26, indicating a rise in asset quality concerns.
  • Return on Equity decreased to 15.25% in Q2 FY27 from 16.91% in Q2 FY26, a year-on-year decline of 1.66%.
📅 Company Track Record
In Q1 FY27, Five-Star Business Finance reported PAT up 2% to Rs 271 Cr and AUM growth of 10% to Rs 13,722 Cr. The current Q2 FY27 PAT growth of 5% YoY surpasses the previous quarter's YoY growth.

Based on publicly available historical data. For context only.

❓ Frequently Asked Questions
What was Five-Star Business Finance's net profit in Q2 FY27?
Five-Star Business Finance's Profit After Tax (PAT) for Q2 FY27 was Rs 299 Cr, which is a 5% increase compared to Q2 FY26.
What was the Assets Under Management (AUM) for Five-Star Business Finance as of September 30, 2026?
The Assets Under Management (AUM) for Five-Star Business Finance stood at Rs 14,640 Cr as of September 30, 2026, marking a 14% year-on-year growth.
How much did Five-Star Business Finance disburse in Q2 FY27?
Five-Star Business Finance disbursed Rs 2,078 Cr in Q2 FY27, which represents a 74% increase compared to Rs 1,196 Cr disbursed in Q2 FY26.
What were the Gross Stage 3 Assets for Five-Star Business Finance in Q2 FY27?
Gross Stage 3 Assets for Five-Star Business Finance were 3.48% in Q2 FY27, up from 2.64% in Q2 FY26, indicating a 0.84% year-on-year increase.
What was the Return on Equity (RoE) for Five-Star Business Finance in Q2 FY27?
The Return on Equity (RoE) for Five-Star Business Finance was 15.25% in Q2 FY27, which is a decrease of 1.66% from 16.91% in Q2 FY26.

Questions based on this BSE filing only. For information purposes.

⚠️ For Information Only — Not Investment Advice
ForgeUp Filings provides AI-generated summaries of public BSE exchange announcements (equity segment) for informational purposes only. Nothing here constitutes investment advice or a recommendation to buy, sell, or hold any security. ForgeUp is not a SEBI-registered investment advisor. All financial numbers are sourced directly from BSE filings and shown as-is. Past data is historical only. Please consult a qualified financial advisor before making investment decisions. Data sourced from BSE India public disclosures.
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