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The above financial results were subjected to a limited review by the Joint Statutory Auditors who have issued an unmodified opinion there on. <br /> The comparative financial information for the Quarter ended 30 June 2025 included in the statement have been reviewed by M/s. Abarna & Ananthan and M/s. Kirtane & Pandit LLP (one of the present joint auditors), who expressed an unmodified opinion vide their limited review report dated 8 August 2025. <br /> The above financial results have been prepared in accordance with the recognition and measurement principles laid down in the applicable Accounting Standard ("Accounting standards") prescribed under Section 133 of the Companies Act, 2013 (the "Act"), in so far as they apply to the Banks, the relevant provisions of the Banking Regulation Act, 1949 and the circulars, the guidelines and directions issued by the Reserve Bank of India ("RBI") from time to time (the "RBI Regulations") and other accounting principles generally accepted in India and the requirements of Regulation 33 and Regulation 52 read with regulation 63 (2) of the SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015, as amended. <br /> The Bank has applied its significant accounting policies in the preparation of these financial results consistent with those followed in the annual financial statement for the year ended 31 March 2026. Any circulars/ directions issued by RBI is implemented prospectively when it becomes applicable, unless specifically required under those circulars/ directions. <br /> The Capital Adequacy Ratio ("CAR") has been computed as per RBI Circular No.RBI/DOR/2025-26/182DOR.CAP.REC.101/21-01-002/2025-26 (Reserve Bank of India (Small Finance Banks — Prudential Norms on Capital Adequacy) Directions, 2025) dated, 28 November 2025 as amended from time to time. <br /> (i) During the quarter ended 30 June 2026, the bank has not acquired / transferred any "loans not in default" through assignment of loans. <br /> (ii) During the quarter ended 30 June 2026, the Bank has not acquired / transferred any Stressed Loans (Non Performing Asset and <br /> Special mention account). <br /> <br /> The Bank is carrying an additional contingency provision on standard assets of Rs. 1,767 Lakh as on 30 June 2026 (Rs.4,064 Lakh as on 30 June 2025). <br /> Other income includes processing fee, profit/ loss on sale of investments (net off provision for depreciation), Income from selling of third party products, recovery from loans written off, income from dealing in PSLC and Collection Agency Fees from Asset Reconstruction Companies (ARC) <br /> During the quarter ended 30 June 2026, the Bank has allotted 2,89,182 equity shares pursuant to the exercise of options under the approved employee stock option scheme. <br /> The Bank has raised Tier II capital of Rs. 8,500 Lakh during quarter ended 30 June 2026. <br /> The Bank does not have any exposure to Project Finance, hence the disclosure as per 'Reserve Bank of India (Small Finance Banks - Financial Statements: Presentation and Disclosures) Directions, 2025' dated 28 November 2025 and as amended from time to time, on Project Finance is not applicable for the quarter ended 30 June 2026 <br /> . The Bank does not have any subsidiary/ associate/ joint venture as on 30 June 2026. <br /> The figures of quarter ended 31 March 2026 are the balancing figures between audited figures in respect of the full financial year ended 31 March 2026 and unaudited published year to date figures up to nine months ended 31 December 2025, which was subjected to a limited review. <br /> .Figures for the previous period/year have been reclassified/regrouped wherever necessary, to conform to the current period classification.Rent, Taxes and Lighting336000000Printing and Stationery19300000Adertisement and Publicity34700000Depreciation166200000Directors' fees, allowances and expenses5700000Auditors' fees and expenses2300000Law Charges4900000Postage, Telegrams, Telephones etc75900000Repairs and maintenance14000000Other Expenditure2376500000Retail11413600000Wholesale222100000Treasury1543000000Other Banking Operations281400000Capital & Reserves013460100000013460100000Retail299000000Wholesale62300000Treasury505100000Other Banking Operations203800000Capital & Reserves01070200000001070200000Retail223743100000Wholesale7484100000Treasury75032100000Other Banking Operations0Capital & Reserves03062593000008032900000314292200000Retail226720800000Wholesale7271700000Treasury58060600000Other Banking Operations0Capital & Reserves186382000003106913000003600900000314292200000The business operation of Bank are in India and for the purpose of segment reporting as per accounting standard-17(Segment reporting) the bank is considered to operate only in domestic segment. <br /> Income, expenses, assets and liabilities have been either specifically identified to individual segments or allocated to segments based on matching principle and the residual items are classified as unallocated. <br /> Unallocated item includes capital expenditure, deferred income tax assets/ liabilities and advance tax etc. <br /> In computing the above information, certain estimates and assumptions have been made by the management and have been relied upon by the auditors. <br /> The RBI vide its Circular dated April 7, 2022 on establishments of Digital Banking Units (DBUs) has prescribed reporting of Digital Banking Segments as a sub segment of Retail Banking Segment (RBS). The Bank has not set up any DBU so far and hence DBU has not been disclosed as a seperate segment as per Accounting Standard 17 (Segment Reporting).UnauditedtrueKirtane & Pandit LLPtrue2028-12-31M/S Sundaram & Srinivasantrue2027-09-30