Earnings calls

Spandana Sphoort concall ledger

Every earnings call for SPANDANA — management tone, guidance, KPIs and promise tracking, quarter by quarter.

SPANDANA · 3 transcripts · Financial Services · latest Q3 FY26

Q3 FY26Published 27 Jan 2026Call held 27 Jan 2026

SPANDANA Q3 FY26 Earnings Call Transcript & Analysis

AUM₹3,948 crNIM11.1%Standalone GNPA2.6%

AUM (post write-off) ₹3,948 cr; NIM 11.1%; Standalone GNPA 2.6%. New book (post-SRO guardrails, from Apr 1, 2025) now 58% of AUM, expected to reach 90% by FY26 end, with 99.8% collection efficiency.

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Q1 FY26Published 14 Aug 2025Call held 14 Aug 2025

SPANDANA Q1 FY26 Earnings Call Transcript & Analysis

AUM₹4,958 crGNPA5.49%

AUM (Q1 end) ₹4,958 cr; GNPA 5.49%. Successfully closed INR 400 crore rights issue, improving CRAR to 46% from 40.8% at June end.

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Q4 FY25Published 30 May 2025Call held 30 May 2025

SPANDANA Q4 FY25 Earnings Call Transcript & Analysis

AUM₹6,819 cr−43% YoYNIM12.8%Standalone GNPA4.85%

AUM ₹6,819 cr (−43% YoY); NIM 12.8%; Standalone GNPA 4.85%. Net loss of ₹1,035 crores for FY25 due to higher provisions.

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