Comfort Fincap Limited announced strong financial performance for the third quarter of fiscal year 2026, with net profit surging 68.8% year-on-year. The company's Board of Directors approved the unaudited standalone and consolidated financial results for the quarter and nine months ended December 31, 2025, during their meeting held on January 15, 2026. Additionally, the company released its investor presentation for Q3FY26 business operations under Regulation 30 of SEBI Listing Regulations.

Strong Q3FY26 Performance

The company delivered impressive growth across key financial metrics during the quarter. Net profit after tax reached ₹229.02 lakhs, representing a substantial 68.8% increase from ₹135.68 lakhs reported in Q3FY25. This growth was supported by a 45.5% rise in total income to ₹447.73 lakhs compared to ₹307.73 lakhs in the corresponding quarter of the previous year.

Operational Excellence and Growth Drivers

Interest income emerged as the primary growth driver, increasing 32.1% to ₹451.59 lakhs from ₹341.78 lakhs in Q3FY25. The company also generated ₹0.55 lakhs from financial advisory and consultancy services during the quarter. Assets Under Management (AUM) recorded a 20.64% growth year-on-year, reaching ₹9,775.85 lakhs compared to ₹8,103.39 lakhs in Q3FY24.

Business Model and Core Offerings

As outlined in the investor presentation, Comfort Fincap Limited operates as a non-deposit taking Non-Banking Financial Company (NBFC-ND) registered with RBI and classified as an NBFC-Investment and Credit Company (NBFC-ICC). The company bridges the gap between traditional banking and local money lenders by offering flexible, competitive, and timely lending options.

Technology-Enabled Operations

The company leverages technology as a core enabler for delivering speed, flexibility, and trust. The presentation highlights their tech-enabled platform that brings efficiency, transparency, and speed to the lending process through accelerated disbursement, smarter credit evaluation, and frictionless customer onboarding.

Nine-Month Performance

For the nine months ended December 31, 2025, the company maintained strong momentum with net profit growing 48.5% to ₹642.34 lakhs from ₹432.65 lakhs in the corresponding period of FY25. Total income for the nine-month period increased 18.6% to ₹1,211.45 lakhs, while total expenditure decreased to ₹386.18 lakhs from ₹448.86 lakhs in the previous year.

Board Strengthening

The board appointed Mr. Sanjiv Swarup (DIN: 00132716) as Non-Executive Independent Director for a five-year term, subject to shareholder approval. Mr. Swarup brings over four decades of professional experience spanning financial services, governance, and strategic advisory.

Management Commentary

Commenting on the results, Mr. Ankur Agrawal, Chairperson and Director, stated that FY 2025-26 represents an important milestone in Comfort Fincap's journey, reflecting continued efforts to build a stronger and more resilient organization. He emphasized the company's commitment to disciplined growth, enhanced operational efficiency, and measured innovation while creating enduring value for customers and stakeholders.

Comfort Fincap Limited announced significant board restructuring and capital enhancement decisions following its board meeting held on December 30, 2025. The company made strategic appointments to strengthen its leadership while substantially expanding its authorized share capital to support future growth initiatives. The NBFC, registered with RBI and listed on BSE, issued a comprehensive press release on December 31, 2025, highlighting the strategic importance of these appointments.

Board Appointments and Leadership Changes

The board approved two key appointments effective December 30, 2025, both subject to shareholder approval at the ensuing General Meeting.

Mr. Sanjeev Kumar Pandey brings over 35 years of distinguished leadership across banking, regulation, and policy formulation. As an Ex-Senior Banker with State Bank of India, he pioneered and led SBI's NCLT Division, overseeing more than 1,000 Corporate Insolvency Resolution Processes, over 300 liquidation matters, and approximately 900 individual insolvency cases. He currently serves as Consultant at DSK Legal, CEO of the Association of Insolvency Professional Entities, and Advisor to CAFRAL. With global exposure as Executive Vice President at SBI Singapore, he brings extensive experience in treasury management, stressed asset resolution, and corporate banking.

Mrs. Nirmala Kanjar, a distinguished Member of the Institute of Chartered Accountants of India, has over 13 years of professional experience in accounting, taxation, financial management, and regulatory compliance. She has been serving as the company's Chief Financial Officer since 2015, playing a pivotal role in strengthening the financial framework and governance practices. Her elevation to Director reflects the Board's confidence in her strategic insight, deep institutional knowledge, and commitment to ethical governance while ensuring continuity in leadership.

Director Resignation

The board accepted the resignation of Mrs. Apeksha Kadam as Non-Executive Non-Independent Director, effective from closure of business hours on December 30, 2025. Her resignation includes her role as Member of various Board Committees.

Authorized Capital Enhancement

The board approved a substantial increase in the company's authorized share capital, demonstrating confidence in future growth prospects.

This capital increase will require alteration of the Capital Clause of the company's Memorandum of Association, subject to shareholders' approval at the upcoming General Meeting.

Company Profile and Strategic Focus

Comfort Fincap Limited is a non-deposit taking Non-Banking Financial Company registered with RBI and classified as NBFC-Investment and Credit Company. The company is primarily focused on providing inter corporate loans, personal loans, loans against shares and securities, loans against properties, trade financing, bills discounting, and trading in shares and securities. The company has positioned itself between the organized banking sector and local money lenders, offering customers competitive, flexible and timely lending services.

Regulatory Compliance and Communication

The board meeting was conducted on December 30, 2025, from 5:00 PM to 6:00 PM. All decisions were made in compliance with Regulation 30 of SEBI Listing Obligations and Disclosure Requirements Regulations, 2015. The company communicated these developments through reference CFL/SEC/2025-26/43 to BSE Limited under scrip code 535267. The formal communication was digitally signed by Director Ankur Agrawal (DIN: 06408167) and the information is available on the company's website at www.comfortfincap.com .