KISSHT
KISSHT financials
- Market cap
- ₹5.2k Cr
- Sector
- Financial Services
- Calls analysed
- 2
KISSHT Q1 FY27
What went well
- Assets Under Management (AUM) increased by 61% year-on-year and 13% quarter-on-quarter, reaching INR 8,001 crores.
- Profit After Tax (PAT) grew by 59% year-on-year and 16% quarter-on-quarter to INR 95 crores.
- Credit cost as a percentage of average AUM significantly improved to 6.80%, down from 8.85% in Q1 FY26.
What to watch
- Total income as a share of average AUM fell 249 basis points over the quarter, a deliberate consequence of targeting lower-risk, higher-quality customers and increased off-book lending.
- Caution was exercised in certain pin codes (270 still paused out of 450 initially paused) and specific segments (salaried profiles without EPFO credit, self-employed businesses) due to early warning signals of potential stress.
Guidance record · Q1 FY27
updates from the last two tracked quarters 9 tracked 0 delivered 0 missed 9 open- AUM Growth revised up said Q4 FY26 Promised: We expect to grow at north of 40% in AUM Q1 FY27: After 13% QoQ growth in Q1, management stated: 'we remain firmly confident of over-delivering on the number that we had given last quarter of 40%.'
- Gross NPA on track said Q4 FY26 Promised: targeting gross NPA below 2.25% Q1 FY27: GNPA stood at 2.25%, at the upper boundary of the guided range.
All 9 tracked — see the targets, revisions and supporting evidence.
Open the guidance ledgerQuarterly results
Q1 FY27: revenue up 81.6%, net profit up 75.9% against the same quarter last year.
| Line item | Q4 FY25 | Q1 FY26 | Q3 FY26 | Q4 FY26 | Q1 FY27 |
|---|---|---|---|---|---|
| Revenue | 369 | 463 | 591 | 619 | 670 +82% |
| EBITDA | 123 | 142 | 175 | 186 | 207 +68% |
| Net profit | 54 | 60 | 77 | 82 | 95 +76% |
How to read this
₹ crore, as filed. The percentage beside a figure is the change against the same quarter a year earlier — never the quarter before, which would make every seasonal business look like it collapses and booms each year.
Performance +64.2% YTD
YTD: ₹208.63 on 8 May 2026 → ₹342.65. High ₹345.95 (23 Jul 2026), low ₹196.07 (15 May 2026).
How the price took the results
close before → close after
- Q1 FY27
- −7.5%
- 30 Jul
- Q4 FY26
- +4.0%
- 29 May
The move from the last close before each results date to the first close after it — the market's first read on the quarter, not the quarter itself.
Balance sheet
| Year ending | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|---|---|
| Equity capital | ₹2 Cr | ₹2 Cr | ₹5 Cr | ₹5 Cr | ₹5 Cr | ₹12 Cr |
| Reserves | ₹158 Cr | ₹233 Cr | ₹556 Cr | ₹794 Cr | ₹995 Cr | ₹1.3k Cr |
| Borrowings | ₹125 Cr | ₹144 Cr | ₹449 Cr | ₹841 Cr | ₹1.6k Cr | ₹1.9k Cr |
| Other liabilities | ₹60 Cr | ₹162 Cr | ₹267 Cr | ₹156 Cr | ₹139 Cr | ₹718 Cr |
| Total liabilities | ₹345 Cr | ₹541 Cr | ₹1.3k Cr | ₹1.8k Cr | ₹2.7k Cr | ₹4.0k Cr |
| Fixed assets | ₹18 Cr | ₹12 Cr | ₹66 Cr | ₹57 Cr | ₹53 Cr | ₹49 Cr |
| Capital work in progress | ₹0 Cr | ₹0 Cr | ₹0 Cr | ₹0 Cr | ₹5 Cr | ₹0 Cr |
| Investments | ₹1 Cr | ₹0 Cr | ₹0 Cr | ₹0 Cr | ₹0 Cr | ₹8 Cr |
| Other assets | ₹326 Cr | ₹529 Cr | ₹1.2k Cr | ₹1.7k Cr | ₹2.6k Cr | ₹3.9k Cr |
| Total assets | ₹345 Cr | ₹541 Cr | ₹1.3k Cr | ₹1.8k Cr | ₹2.7k Cr | ₹4.0k Cr |
How to read this
As filed on each reporting date, including interim balance sheets. A line the company does not report — deposits for a non-lender, for instance — is left out rather than shown as a row of dashes.
Who owns it
As disclosed at Jun 2026
- Promoters
- 24.8%
- FIIs
- 7.6%
- DIIs
- 19.1%
- Public
- 48.5%
Who is on the register
Named in the Jun 2026 filing
Every holder of KISSHT above SEBI's 1% disclosure line.
| Holder | Stake |
|---|---|
| Ranvir Singh | 14.42% |
| Krishnan Vishwanathan | 10.38% |
| Ammar Sdn Bhd | 8.63% |
| Vertex Ventures Sea Fund Iii Pte Ltd | 5.76% |
| Vertex Growth Fund Ii Pte Ltd | 5.32% |
| Vertex Growth Fund Pte Ltd | 5.32% |
| Ventureast Proactive Fund Ii VC / PE | 4.40% |
| Sistema Asia Fund Pte. Ltd. | 4.04% |
| Endiya Seed Co-Creation Fund VC / PE | 2.94% |
| Sundaram Mutual Fund A/C Sundaram Small Cap Fund Mutual fund | 2.01% |
| Ventureast Proactive Fund Llc | 1.97% |
| BNP Paribas Financial Markets - Odi Global fund house | 1.83% |
A holder disappearing from this list has fallen below the 1% line — it is not necessarily a sale. Percentages are of total shares, as disclosed in the company's own filing. Who was buying across the market this quarter.
All earnings calls (2)
Read the Q1 FY27 call →Learn to analyse KISSHT
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