Northern Arc Capital Ltd (NORTHARC) Q3FY26 Concall Summary - Dec-2025 Qtr
Performance Overview
- The company achieved two significant milestones, crossing an Assets Under Management (AUM) of INR 15,000 crores and reporting its highest-ever quarterly Profit After Tax (PAT) of INR 101 crores.
- Strong AUM growth of 23% YoY was primarily driven by the Direct-to-Customer (D2C) business, which now constitutes 56% of the total AUM and grew by 29% YoY.
- The fee-based business demonstrated robust performance, with placement volumes growing 73% YoY, contributing to a 50% YoY increase in fee income.
- Asset quality showed mixed trends, with improvements in the microfinance portfolio, where incremental PAR 0 accretion reverted to pre-stress levels, but continued stress was noted in the small-ticket unsecured business loan segment.
- The company maintained a strong capital and liquidity position, with a Capital Adequacy Ratio (CAR) of 23.11% and a comfortable liquidity surplus of almost INR 1,400 crores.
Financial Metrics
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Operating Performance / Business Segments
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Key Discussions & Insights
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Outlook and Guidance
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Challenges / Concerns
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Industry / Competitive Landscape
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Overall Summary
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