Despite the decline in overall portfolio value during FY26, stock-level performance remains encouraging. More than half of the holdings delivered positive returns, with 11 stocks surging between 25% and 90% within a span of less than 10 months in FY26.
The additions were led, once again, by the country’s largest issuers. HDFC Bank topped the list, adding 163,000 net new credit cards and edging past
Our credit cost was 2.13% of loans including the microfinance portfolio, against a guidance of 2.10%. This year, encouraged by seeing our credit quality in
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