Spandana Sphoorty Financial Ltd

No information is provided regarding the same in the latest conference call.

No information is provided regarding the same in the latest conference call.

No information is provided regarding the same in the latest conference call.

- Spandana anticipates one more quarter of financial "pain" due to legacy loan book churn; positive profitability expected from Q3 FY26 onwards. - FY26 is viewed as a "year of rebuilding" focusing on improving systems, processes, and credit underwriting. - The company guides for around 20% AUM growth for the full year FY26, expecting normalized and accelerating disbursements from September 2025. - Credit costs are expected to normalize to a new range of 2.5% to 3% for microfinance industry post-rebuilding phase. - Operational efficiencies, including rationalization of costs and possible attrition-led reduction in employee costs, are planned to improve profitability. - With the new credit rules and stricter guardrails, newer disbursements are showing strong asset quality and current loan portfolio trending near 100% current status, supporting future earnings stability and growth.

The transcript provided from Spandana Sphoorty Financial Limited does not explicitly mention current or expected order book or pending orders, as it primarily focuses on microfinance loan disbursements, asset quality, AUM (Assets Under Management), collections, credit underwriting, and company financials. Key relevant points related to loan book and disbursements that may be interpreted as "orderbook" in a financial services context: - Disbursements have improved, with July at INR 268 crores and early August picking up further, though still below Business As Usual (BAU) levels. - The company targets 20% AUM growth for FY 2026, indicating expected credit issuance. - Around 50% of existing and dormant customers are eligible for new loans under stricter credit norms. - Disbursements in Q1 FY26 were INR 280 crores; July disbursements are almost at this level monthly, signaling build-up. - Liquidity position is strong at INR 1,731 crores as of June 2025, supporting further lending. No direct figures or details on order book or pending orders provided.