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These consolidated financial results have been prepared in accordance with the recognition and measurement principles laid down in Indian Accounting Standards prescribed under section 133 of the Companies Act, 2013 read with relevant rules issued thereunder and in compliance with the requirements of Regulation 33 and Regulation 52(4) of the Securities and Exchange Board of India (Listing Obligations and Disclosure Requirements) Regulations 2015, as amended from time to time. <BR> <BR> 4. The above financial results have been audited by the statutory auditors of the Company as required under SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015 and have issued unmodified opinion on these financial results. <BR> <BR> 5. The consolidated financial results have been reviewed by the Audit Committee and approved by the Board of Directors at its meeting held on May 20, 2026. <BR> <BR> 6. Consolidated Segment information in accordance with the Ind AS 108 – Operating Segments of the Group is given as under - <BR> Note : Business Segments have been identified and reported taking into account the nature of products and services, the organisation structure, the internal business reporting system and the guidelines prescribed by the RBI. The Group doesn't have any reportable geographical segment. <BR> <BR> 7. During the year ended Mar 31, 2026 the Company has allotted 19,24,406 equity shares of face value of Rs. 2 per share to employees who have exercised their options under the approved CIFL Employee Stock Option Plan. <BR> <BR> 8. In case of subsidiary, Rapipay Fintech Private Limited invested Rs 5.50 Lakhs during the quarter ended Mar 31, 2026 and Rs 24.50 Lakhs during the year ended Mar 31, 2026 in its wholly owned subsidiary NYE Investech Private Limited (formerly known as Kuants Wealth Private Limited). <BR> <BR> 9. In relation to expenses paid that are in the nature of sourcing and collection charges to loan service providers/ business partners, the income and expenses have been grossed up to provide more appropriate disclosures. The impact of the same is Nil on the profitability of the respective periods. The adjustments for the corresponding periods adjusted are as below. <BR> <BR> Particulars |Quarter Ended | Year Ended | <BR> |Mar 31,2025 | Mar 31,2025 | <BR> |(Refer Note 11) | (Audited) | <BR> Increase in Interest Income | 115.13 | 602.25 | <BR> Increase in Other Expenses | 115.13 | 602.25 | <BR> Net Impact on Profit/(Loss) | - | - | <BR> <BR> 10. During the year the Company had sold its entire stake in Capital India Home Loans Limited (CIHL) to Weaver Services Private Limited for a total consideration of Rs 26,652.71 Lakhs. Consequently, CIHL had ceased to be a subsidiary of Company with effect from Aug 11, 2025. <BR> <BR> The exceptional item disclosed in the financial result for the year ended Mar 31, 2026 includes gain of Rs.10,638.06 Lakhs on account of disinvestment of CIHL, such gain is after adjusting the carrying amount of investment in CIHL as on date of sale and expenses incurred on the sale transaction. <BR> <BR> a). Brief Details about Result of Discontinued Operations i.e Capital India Home Loans Limited is given as under - <BR> <BR> For the quarter ended March 31, 2025, the discontinued operation reported total income of Rs. 1,846.59 Lakhs against total expenses of Rs. 1,850.94, resulting in a loss before tax of Rs. 4.35 Lakhs. After accounting for a tax expense of Rs. 49.73 Lakhs, the operation recorded a profit after tax of Rs. 45.38 Lakhs. Including other comprehensive income of Rs. 13.63 Lakhs, the total comprehensive income from discontinued operations stood at Rs. 59.01 Lakhs for the quarter. On a year-to-date basis as of August 11, 2025, the discontinued operation recorded total income of Rs. 2,301.26 Lakhs and total expenses of Rs. 2,361.77 Lakhs, leading to a loss before tax of Rs. 60.51 Lakhs and a total comprehensive loss of Rs. 107.59 Lakhs. For the year ended March 31, 2025, the discontinued operation generated total income of Rs. 7,450.52 Lakhs and incurred total expenses of Rs. 7,149.06 Lakhs, resulting in a profit before tax of Rs. 301.46 Lakhs. After tax expenses of Rs. 23.20 Lakhs and other comprehensive income of Rs. 13.63 Lakhs, the total comprehensive income for the year amounted to Rs. 291.89 Lakhs. <BR> <BR> b). Balance sheet includes amount of Capital India Home Loans Limited is given as under - <BR> <BR> Balance Sheet includes amount of Capital India Home Loans limited is Assets as at 31st March 2025 is Rs. 46,778.76 Lakhs and Liabilities as at Rs. 31,921 Lakhs. <BR> <BR> 11. The figures of the quarters ended Mar 31, 2026 and Mar 31, 2025 are the balancing figures between the audited figures in respect of the full financial year and published year to date figures up to the third quarter of the relevant financial year which were subject to limited review by the Statutory Auditors of the Company. <BR> <BR> 12. The Government of India has consolidated multiple existing labour legislations into a unified framework comprising four labour codes collectively referred to as the "New Labour Codes". The Group has assessed the implications of the New Labour Codes and have taken an estimated increase in provision of Rs. 150.45 lakhs during the period ended Mar 31, 2026 and recognised the same in the employee benefits expense. <BR> <BR> The Group continues to monitor the finalisation of Central / State Rules and clarifications from the Government on other aspects of the Labour Codes and would provide appropriate accounting effect on the basis of such developments as needed, if any. <BR> <BR> 13. Previous period/ year figures have been regrouped/ reclassified to make them comparable with those of current period. <BR> <BR> 14. The compliance related to disclosure of certain ratios and other financial information as required under Regulation 52 (4) of the Listing Regulations is made in Appendix 1.2025-04-012026-03-31AuditedConsolidated1876077000001867265000107199000580000012529180000170320000527957900048845000532842400041430000013427620008353300003136460002292477000003591440008746290006022131000-693707000106380600037009900078622000-2813900050483000319616000-60510004708000-107590000308857000689000309546000388914100-80056800390028900-8048310078211300028015630001.021-0.03-0.030.990.970.013800Not ApplicableNot ApplicableForiegn Exchange Services30919000Other operating income15026000Foriegn Exchange Services125612000Other operating income44708000Other expenses273393000Other expenses87462900022339460009312070000775630001669270001126882600021003930003517260001713058800066380001408750009827200000972170000126280001807590005667150002224180001325522000184561100007821130005949569000673168200017385600069055380003730000148162000454100051051600087981850000305466000158122200011351822000137083000616670001987500001155057200018456110000Other Financial assets351726000Other non-financial assets222418000Other financial liabilities1581222000Other non-financial liabilities61667000Lending business588416000Prepaid Payment Instrument business630449000Forex business59106000Unallocated0Others765000Lending business2042631000Prepaid Payment Instrument business3033232000Forex business249281000Unallocated0Others3280000127873600053284240000012787360005328424000Lending business41563000Prepaid Payment Instrument business-53106000Forex business-17405000Unallocated0Others-6340000Lending business-450916000Prepaid Payment Instrument business-145983000Forex business-74200000Unallocated1063806000Others-22608000-352880003700990000000-35288000370099000Lending business16237623000Prepaid Payment Instrument business1257274000Forex business466895000Unallocated0Others744120001803620400041990600018456110000Lending business10191009000Prepaid Payment Instrument business1172567000Forex business184345000Unallocated0Others265100011550572000011550572000Items that will not be reclassified to profit or loss17540001754000Items that will not be reclassified to profit or loss1222000122200047300053300000128100068900081270100031840001212270000-15552000-2323196000-2765500000228530000-64437000-2997000313646000359144000-15158000117940000000185344800045436000-11299900000-1067199000-321010000-3824757000-345465800008294550001932221000188395000-506000-2540793000252918300000000006900054562000-1400813000891900000000000000000000000984687000003322700000005105160001809240000087216000779400000-857850002172188000616082000061608200016178640002233946000AuditedtrueV. Sankar Aiyar & Co.true2028-04-30