Coral India Finance and Housing LimitedQ1 FY27 Results & Financial Update
Coral India Finance and Housing Limited: Q1 FY27 standalone results and company financials – revenue ₹6.01 Cr, PAT ₹4.41 Cr. Explore reported YoY/QoQ movements, margins, business drivers and management commentary. This page does not provide a rating, target price or investment recommendation.
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Quarterly Results AnalysisExplore Coral India Finance and Housing Q1 FY27 quarterly results and earnings: revenue, profit (PAT), EBITDA, margins, YoY and QoQ growth, order book or business updates where reported, financial performance and management commentary. Reported figures and Nivata calculations are shown separately; no buy, sell or hold recommendation is provided.
Quarter overview
Quarterly earnings analysis
Coral India Finance and Housing Limited reported total income of INR 6.01 crore for the first quarter ended June 30, 2026, alongside a profit after tax of INR 4.41 crore. The current-period financial statements are presented on a standalone, unaudited basis.
Total revenue from operations stood at INR 3.72 crore, while other income contributed INR 2.29 crore to the top line during the quarter. Total expenses for the period were held at INR 0.89 crore, leaving a profit before tax of INR 5.11 crore.
Segment reporting highlights that the investment division drove profitability with a segment result of INR 5.33 crore. Conversely, the constructions segment recorded a minor segment loss of INR 0.05 crore.
Tax expenses for the quarter were recorded at INR 0.70 crore, comprising INR 0.70 crore in current tax and a negligible deferred tax reversal. Basic and diluted earnings per share for the quarter both stood at INR 1.10.
Other comprehensive income for the quarter recorded a significant gain of INR 22.48 crore, driven by equity instruments measured through other comprehensive income, bringing total comprehensive income to INR 26.89 crore.
The Board of Directors scheduled the 32nd Annual General Meeting for September 11, 2026, and confirmed a previously recommended final dividend of 20 paise per equity share for the prior financial year.
Profit after tax was ₹4.41 Cr for the reported quarter. EPS was ₹1.10 for the reported quarter.
01 · Business model
What does Coral India Finance and Housing do?
Coral India Finance and Housing Limited operates primarily as a non-banking financial and construction entity based in Mumbai, India. The company engages in investment activities—generating rent, interest on fixed deposits, and other financial income—alongside real estate construction operations.
The operational footprint is structured across two core reportable segments: Investment and Constructions. The investment segment acts as the dominant revenue and earnings generator through deployment of financial assets and treasury yields.
The company's corporate headquarters are situated at Dalamal House, Nariman Point, Mumbai. Its financial model relies on asset deployment, treasury income, and property development projects managed under Indian Accounting Standards (Ind AS).
02 · Historical context
What shaped the business before this quarter
The Board of Directors previously recommended a final dividend of 10% on equity shares of face value INR 2 each (INR 0.20 per share) at their meeting held on May 25, 2026.
03 · Financial snapshot
Current-quarter financial snapshot
| Metric | Q1 FY27 |
|---|---|
| Total income | ₹6.01 Cr |
| Other income | ₹2.29 Cr |
| Profit before tax | ₹5.11 Cr |
| Profit after tax | ₹4.41 Cr |
| EPS | ₹1.10 |
04 · Earnings & margin drivers
What drove earnings and margins
What drove net interest income and earnings
The investment division generated segment revenue of INR 6.01 crore for the quarter, encompassing rent income, interest on fixed deposits, and other financial income.
Other income contributed INR 2.29 crore during the quarter, supporting the overall top-line performance.
NIM, spread, funding cost and credit cost
Employee expenses for the quarter were contained at INR 0.23 crore, remaining stable compared to preceding periods.
Other expenses stood at INR 0.65 crore for the quarter ended June 30, 2026.
Finance costs were negligible or absent for the quarter, reflecting minimal debt servicing overhead.
05 · Portfolio mix & lending exposure
Where the loan book is concentrated
Segments and products
The investment segment reported revenue of INR 6.01 crore and a robust segment profit of INR 5.33 crore, with segment assets standing at INR 220.53 crore.
The constructions segment recorded no operating revenue for the quarter, registered a segment loss of INR 0.05 crore, and held segment assets worth INR 15.46 crore.
06 · Reported developments
What changed operationally
The investment portfolio delivered a segment profit of INR 5.33 crore, underpinning the overall profitability of the company.
07 · Pressure points & risks
What is not going smoothly
The constructions segment continued to experience a minor operating loss of INR 0.05 crore during the quarter.
08 · Items worth noticing
The line items that can distort a quick read
The company recorded INR 22.48 crore under other comprehensive income from equity instruments through OCI, significantly boosting total comprehensive income.
09 · Beyond the numbers
What changed beyond the numbers
Reported update
Dividend Record Date
The company fixed Friday, August 28, 2026, as the record date for determining member entitlement to the final dividend of INR 0.20 per share for the financial year ended March 31, 2026.
Reported update
Annual General Meeting
The 32nd Annual General Meeting of the company has been convened for Friday, September 11, 2026, at 11:00 a.m. IST via video conferencing.
10 · Key Q&A
The quarter, answered directly
What does Coral India Finance and Housing do?
Coral India Finance and Housing Limited operates primarily as a non-banking financial and construction entity based in Mumbai, India. The company engages in investment activities—generating rent, interest on fixed deposits, and other financial income—alongside real estate construction operations.
What is the clearest takeaway from Q1 FY27?
Coral India Finance and Housing Limited reported total income of INR 6.01 crore for the first quarter ended June 30, 2026, alongside a profit after tax of INR 4.41 crore. The current-period financial statements are presented on a standalone, unaudited basis.
What drove earnings or loan-book movement?
The investment division generated segment revenue of INR 6.01 crore for the quarter, encompassing rent income, interest on fixed deposits, and other financial income.
What mattered most for margins, funding or credit cost?
Employee expenses for the quarter were contained at INR 0.23 crore, remaining stable compared to preceding periods.
What changed operationally beyond the headline numbers?
The company fixed Friday, August 28, 2026, as the record date for determining member entitlement to the final dividend of INR 0.20 per share for the financial year ended March 31, 2026.
What are the main pressure points disclosed for the quarter?
The constructions segment continued to experience a minor operating loss of INR 0.05 crore during the quarter.
11 · Scenario calculator
Earnings sensitivity: what if growth and margins change?
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12 · Next filing checkpoints
What the next disclosure can confirm or change
- 01
Dividend Distribution: Payment of the final dividend on or before October 10, 2026, subject to shareholder approval at the upcoming AGM.
- 02
AGM Proceedings: Successful convening and conclusion of the 32nd Annual General Meeting on September 11, 2026.
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