New Delhi : Usha Financial Services Limited (UFSL), an RBI-registered and listed NBFC, has announced its Limited Reviewed Financial Results for the quarter and half year ended September 30, 2025. The Company delivered a solid performance across profitability, income, disbursements, and asset quality, underscoring its strong business fundamentals and sustained growth momentum.
FINANCIAL HIGHLIGHTS: H1 FY25-26 vs H1 FY24-25:
| Particulars (Rs. Lakhs) | H1 FY2025-26 | H1 FY2024-25 | Growth (%) |
| PBT | 1,246.05 | 1,005.24 | 23.96% |
| Profit After Tax (PAT) | 932.07 | 781.46 | 19.27% |
| Total Income | 3,439.00 | 2,745.47 | 25.26% |
| Loan Disbursed (Amount) | 23,343.13 | 18,809.27 | 24.10% |
| Number of Loan Disbursed | 5,847.00 | 1,375.00 | 325.24% |
| Assets under management | 39,457.70 | 31,817.70 | 24.01% |
| Net Worth | 21,650.68 | 11,164.51 | 93.92% |
KEY BUSINESS HIGHLIGHTS
• Revenue Growth
Total revenue for H1 FY26 rose to ₹3,439 Lakhs, registering a 25.26% YoY increase.
• Strong Profitability
PAT grew by 19.27% YoY to ₹932.07 Lakhs, driven by improved margins, efficient cost controls, and productivity enhancements.
• Loan Disbursement Surge
UFSL disbursed loans exceeding ₹230 Crores, witnessing 24% growth in value and an exceptional 325% YoY increase in the number of loans disbursed—reflecting stronger market penetration and product adoption.
• AUM Expansion
Assets Under Management (Gross) increased by 24% to approximately ₹395 Crores.
• Solid Capital Position
Net Worth nearly doubled to ₹217 Crores, reinforcing UFSL’s financial strength and supporting a healthy Capital Adequacy Ratio.
OTHER OPERATIONAL HIGHLIGHTS
• Expansion into Small-Ticket MSME Lending
UFSL successfully expanded into the small-ticket MSME loan segment through its branch-led model, with a strong focus on empowering women entrepreneurs. This initiative is driving deeper financial inclusion and generating employment in rural and semi-urban markets.
• Strategic Co-Lending Partnerships & New Products
The Company is actively building collaborations for co-lending and other strategic business models. These partnerships are set to enhance UFSL’s presence in green financing and personal unsecured lending, strengthening its diversified product suite and long-term growth trajectory.
Commenting on the results, Mrs Geeta Goswami, CEO & Director, Usha Financial Services Limited, said: “We are delighted to announce a robust performance in the first half of FY 2025–26. Both revenue and profit after tax have recorded strong growth, supported by a significant increase in loan disbursements.”
“Importantly, we continue to witness steady margin expansion even on a higher base. Our strategic focus on profitability, improved capacity utilisation, and continuous operational efficiency enhancements is translating into consistent and strengthened financial outcomes for the Company.”
