Emerald Finance Limited has formally announced its quarterly earnings conference call to discuss Q3FY26 financial results. The company filed the announcement on January 22, 2026, under Regulation 30 of SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015, with BSE Limited.

Conference Call Details

The earnings call is scheduled for Thursday, January 29, 2026, at 4:30 PM onwards. Kirin Advisors will facilitate the conference call, providing multiple access options for participants.

Participation Options

Participants can join the earnings call through two methods:

• Universal Dial-In Numbers: +91 22 6280 1239 and +91 22 7115 8140
• Diamond Pass Login: Online registration available

The company advises participants to dial in 10 minutes prior to the scheduled time to ensure timely connection.

Management Speakers

The earnings call will feature three key management personnel who will discuss the company's Q3FY26 performance:

Company Information

Emerald Finance Limited operates under CIN L65993CH1983PLC041774 with its registered office located at S.C.O 7, Industrial Area Phase II, Chandigarh, 160002. The company trades on BSE under scrip code 538882. The announcement was signed by Company Secretary cum Compliance Officer Amarjeet Kaur (Membership No. F13755).

Contact and Support

For additional information regarding the earnings call, participants can contact Kirin Advisors at +91 22 4100 2455 or +91 93244 75886. Email inquiries can be directed to research@kirinadvisors.com or info@kirinadvisors.com . The advisory firm is located at 713-B Lodha Supremus II, Wagle Estate, Thane (W) 400 604.

Emerald finance Limited delivered exceptional financial performance in Q3 FY26 and 9M FY26, with the company announcing its unaudited results on January 16, 2026. The Chandigarh-based non-banking financial company demonstrated strong growth momentum across its core business segments, particularly in Earned Wage Access and gold loan syndication services.

Outstanding Financial Performance

The company's financial metrics showed remarkable improvement across all key parameters. For the nine-month period ending Q3 FY26, standalone operations delivered impressive results with significant year-on-year growth.

Quarterly performance for Q3 FY26 also demonstrated strong growth trajectory, with standalone net profit reaching ₹3.15 crores compared to ₹1.73 crores in Q3 FY25, representing an 82.14% increase.

Credit Rating Upgrade Strengthens Financial Profile

CRISIL upgraded Emerald Finance's long-term credit rating to BBB-/Stable from BB+/Stable, reflecting the company's improved credit metrics and enhanced financial performance. This upgrade is expected to support a reduction in the cost of funds, potentially enhancing overall profitability in future periods.

Business Expansion and Strategic Initiatives

The company achieved significant operational milestones during Q3 FY26, demonstrating strong execution across its key business verticals:

Earned Wage Access Platform Growth:

• Onboarded over 35 corporates during Q3 FY26
• Total corporate partnerships now exceed 180 since EWA app launch
• Introduced WhatsApp-based withdrawal feature for EWA customers

Gold Loan Syndication Business:

• Disbursements crossed ₹105 crores in December 2025 alone
• Entered partnership with Muthoot Fincorp Limited as Lead Sourcing Agent
• Expanded coverage for Gold Loans and Personal Loans across India

Management Commentary and Market Outlook

Managing Director Sanjay Aggarwal highlighted the company's strong positioning within India's evolving financial ecosystem. He emphasized the sustained traction across both EWA and gold loan syndication businesses, noting that these developments reinforce confidence in scaling the asset-light, technology-led business model.

The management noted that India's financial ecosystem continues experiencing strong tailwinds, supported by digital adoption, rising formal credit penetration, and policy-driven inclusion initiatives. NBFCs and fintechs are positioned at the forefront of this evolution, with Emerald Finance well-positioned through its technology-led approach and inclusive financial services model.

Company Background and Services

Emerald Finance Limited operates as a Chandigarh-based non-deposit taking NBFC, focusing on retail and MSME lending while acting as a loan origination platform for over 40 financial institutions through its subsidiary, Eclat Net Advisors Private Limited. Since receiving its NBFC license in 2015, the company has broadened its offerings to include personal loans, business loans, and Early Wage Access services. For FY25, the company reported consolidated total income of ₹21.63 crores, EBITDA of ₹15.07 crores, and net profit of ₹8.89 crores.