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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.
Transwarranty Finance Ltd

Transwarranty Finance Q4 FY26 PAT ₹7.09 crore, AUM up 61% YoY

RESULTS ▲ Positive Development MEDIUM RISK
📅 Filed on BSE: 13 May 2026, 09:23 PM IST  ·  BSE ID: e0137eb5-d08f-49eb-a515-ebaa6796fc1b
View Original BSE Filing (PDF)
💡
In Simple Terms
The company's latest financial report shows a return to profit this quarter, with significant growth in its digital loan portfolio.
🤖 AI Summary
  • Transwarranty Finance reported a Profit After Tax (PAT) of ₹7.09 crore in Q4 FY26.
  • Digital loans Assets Under Management (AUM) stood at ₹19.17 crore as of March 31, 2026, up 61% YoY.
  • Total disbursements for FY26 reached ₹36.51 crore, indicating a 61% growth year-over-year.
  • IDFC First Bank Limited disbursed a facility of ₹15 crore to the company in Q4 FY26 for onward lending.
  • Management targets 3x AUM growth in FY27, focusing on smartphone finance and small business loans.
🔢 Key Numbers — exact figures from BSE filing, not rounded
PAT Q4 FY26
₹7.09 crore
104.34%
PAT Q4 FY25
loss of ₹1.63 Crore
Digital Loans AUM as on March 31, 2026
₹19.17 crore
61%
Disbursement FY26
₹36.51 crore
61%
Net Interest Income (inc. fees) Q4 FY26
₹2.02 Crore
99%
PPOP Q4 FY26
₹0.74 crore
-1.04%
GNPA Q4 FY26
2.88%
NNPA Q4 FY26
0%
🏢 How This Affects the Company
📈
Business Impact
The focus on digital lending through 'Oroboro' for smartphone finance and small business loans is driving growth in AUM and disbursements. Securing a ₹15 crore facility from IDFC First Bank supports expansion of the lending portfolio.
💰
Financial Impact
The company moved to a profit of ₹7.09 crore in Q4 FY26 from a loss of ₹1.63 crore in Q4 FY25. Net Interest Income (inc. fees) increased by 99% YoY to ₹2.02 Crore, while Net Non-Performing Assets (NNPA) remained at 0%.
⚙️
Operational Impact
The strategy to expand the lending portfolio towards higher-yield, lower-risk segments suggests adjustments in underwriting and product offerings. The company relies on its in-house technology platform 'Oroboro' and a PAN Indian network of strategic partners.
⚠️
Risk Impact
Stable asset quality with GNPA at 2.88% in Q4 FY26 (vs 3.72% in Q4 FY25) and NNPA at 0% with 100% provision against NPAs indicates improved credit underwriting and controlled risk management. Low leverage of 0.9x provides capacity for future growth.
👥 What This Means For Shareholders
✅
Action Required
No immediate action is required by shareholders based on this financial results announcement.
👤
Who Is Affected
Shareholders are affected by the company's financial performance, specifically the return to profitability with a PAT of ₹7.09 crore in Q4 FY26, indicating improved underlying business.
🔍
Management Signal
Management's stated target of 3x AUM growth in FY27 and focus on smartphone finance and small business loans signals an aggressive growth strategy in digital lending.

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

👁 Watch List — track these upcoming events
Q1 FY27 results — monitor progress towards 3x AUM growth target.
Future lending facility announcements — watch for additional funding partnerships.
Digital lending portfolio expansion — observe new product segments or market entries.
MEDIUM RISK While profitable, the company's PPOP declined and NIM decreased, indicating potential margin pressure.
💡 Investor Takeaway
Transwarranty Finance reported a Q4 FY26 PAT of ₹7.09 crore, moving from a loss of ₹1.63 Crore in Q4 FY25. Digital loans AUM grew 61% YoY to ₹19.17 crore, with total FY26 disbursements at ₹36.51 crore, up 61% YoY.
⚖️ Strengths & Concerns

✅ Positives

  • PAT of ₹7.09 crore in Q4 FY26, a turnaround from a loss of ₹1.63 Crore in Q4 FY25, indicating improved profitability.
  • Digital loans AUM grew 61% YoY to ₹19.17 crore, alongside a 99% YoY increase in Net Interest Income (inc. fees) to ₹2.02 Crore.

⚠️ Concerns

  • Pre-Provisioning Operating Profit (PPOP) declined by 1.04% YoY to ₹0.74 crore in Q4 FY26, despite revenue growth.
  • Net Interest Margin (NIM) (inc. fees) decreased to 20.37% in Q4 FY26 from 22.01% in Q4 FY25.
📅 Company Track Record
A Board meeting was scheduled for May 8, 2026, to approve Q4 FY26 results and consider raising Rs.50 crore. This filing follows that meeting, announcing the approved results and performance. The company has pivoted to digital lending through its 'Oroboro' platform.

Based on publicly available historical data. For context only.

⚠️ 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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