Northern Arc Q4 FY26: Scaling retail lending while credit costs normalise
Northern Arc Capital Ltd
NORTHARC
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Frequently Asked Questions
Lending AUM was INR 16,594 crore as of March 31, 2026 (investor presentation).
D2C AUM was INR 9,792 crore in FY26 and represented 59% of total AUM as of March 31, 2026 (investor presentation).
For FY26, PAT (excluding NCI) was INR 406 crore, RoA was 2.8%, and RoE was 11.1% (investor presentation and concall).
Credit cost was 2.8% for FY26 and 2.2% for Q4FY26 (investor presentation).
Management indicated FY27 AUM growth of about 22% to 25%, an objective to reach 3 plus RoA, and a target RoE of about 15% to 17% over 8 to 10 quarters (concall).
As of March 2026, MSME AUM was INR 3,691 crore, Consumer Finance AUM was INR 5,092 crore, and Rural AUM was INR 1,009 crore (investor presentation).
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