Promoter Kumar Nair has pledged 1,40,33,381 equity shares in Transwarranty Finance Limited as of March 31, 2026. The shares were pledged to IDFC First Bank Ltd, with the encumbrance created on December 23, 2025. This disclosure impacts the promoter's holding structure within the non-banking financial company.

The confirmation was submitted to the National Stock Exchange of India Limited and BSE Limited on April 07, 2026. The filing was made under Regulation 31(4) of the Securities and Exchange Board of India (Substantial Acquisition of Shares and Takeovers) Regulations, 2011. The promoter confirmed that no other encumbrances were made during the financial year ended March 31, 2026, apart from those already disclosed.

Details of Encumbrance

The following table outlines the specific details of the shares encumbered by the promoter:

Promoter Group Details

The disclosure also identified the members of the Promoter and Promoter Group. The group includes Kumar Nair as the Promoter, while Leena Kumar Nair, Anitha Plakkot, Indiradevi K, and Jayachandran K are listed as members of the Promoter Group. The information was addressed to the Listing Departments of both exchanges and copied to the Audit Committee of the Board of Directors of Transwarranty Finance Limited.

Transwarranty Finance Limited has reported a turnaround in its financial performance for the quarter ended March 31, 2026. The company posted a Profit After Tax (PAT) of ₹0.07 crore in Q4 FY26, compared to a loss of ₹1.63 crore in the corresponding period of the previous year. This recovery was driven by a 61% year-on-year growth in Assets Under Management (AUM), which reached ₹19.17 crore, alongside a 99% increase in Net Interest Income to ₹2.02 crore.

Operational Performance

The non-deposit taking NBFC, specializing in short-tenure smartphone finance and small business loans through its “Oroboro” platform, recorded total disbursements of ₹36.51 crore during FY26, a growth of 61% YoY. The company disbursed 22,323 loans in FY26, up 73% YoY, with cumulative disbursements reaching ₹106.65 crore to approximately 70,000 borrowers as of March 31, 2026. In Q4 FY26 alone, disbursements amounted to ₹15.65 crore across 9,226 loans, marking increases of 116% and 138% respectively.

Financial Highlights

The board approved the audited standalone and consolidated financial results for the quarter and year ended March 31, 2026. Asset quality improved significantly, with Gross Non-Performing Assets (GNPA) standing at 2.88% in Q4 FY26, down from 3.72% in Q4 FY25. Net NPAs remained at 0% with 100% provision coverage. The Net Interest Margin (NIM) was 20.37% in Q4 FY26, while credit costs as a percentage of average AUM improved to 3.47% from 7.64% in the prior year.

Corporate Governance and Fund Raising

The board approved raising funds up to ₹50 crore via various instruments and the issuance of unlisted Non-Convertible Debentures (NCDs) aggregating up to ₹7.28 crore on a private placement basis. Additionally, the company clarified that M/s. Anil Bhutra & Co., Chartered Accountants, has been re-appointed as Internal Auditors for the financial year 2026-27, correcting an earlier intimation that had inadvertently named a different firm.

Source: Company/INE804H01012/b218a24f711c4657.pdf