Q1-FY26 · Q4 FY25
FY26 AUM Growth: ~12% YoY
Current-quarter commentary contains related risk or weakness, so the promise appears not to have been delivered yet.
missed
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RECLTD / Q1-FY26 / promises
Measure what management said.
REC · A quarter-by-quarter view of forward statements and whether delivery is visible yet.
Research layer active
ConCallIQ research layer
Signal, with the source still visible.
Use the controls below to narrow the view, then follow the evidence into the next layer of context.
Management delivery ledger
Promises over time.
Q1-FY26 · Q4 FY25
FY26 Disbursement Target: INR 2-2.1 Lakh Crore
Current-quarter commentary contains related risk or weakness, so the promise appears not to have been delivered yet.
missed
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Q1-FY26 · Q4 FY25
NIM Guidance: 3.5%-3.75%
Current-quarter commentary contains related risk or weakness, so the promise appears not to have been delivered yet.
missed
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Q1-FY26 · Q4 FY25
Net-Zero NPA Target by FY27
Current-quarter commentary contains related risk or weakness, so the promise appears not to have been delivered yet.
missed
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Q2-FY25 · Q1 FY25
AUM Growth Target: 15-20%
Current-quarter commentary contains related risk or weakness, so the promise appears not to have been delivered yet.
missed
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Q2-FY25 · Q1 FY25
Full Year Disbursement: INR 1.9-2 lakh crore
Current-quarter commentary contains related risk or weakness, so the promise appears not to have been delivered yet.
missed
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Q2-FY25 · Q1 FY25
NIM Maintenance Above 3.6%
Current-quarter commentary contains related risk or weakness, so the promise appears not to have been delivered yet.
missed
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Q2-FY25 · Q1 FY25
INR 2,000+ Crore Write-back in FY25
Current-quarter commentary contains related risk or weakness, so the promise appears not to have been delivered yet.
missed
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Q2-FY26 · Q1 FY26
12% Loan Book Growth Target for FY26
Current-quarter commentary contains related risk or weakness, so the promise appears not to have been delivered yet.
missed
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Q2-FY26 · Q1 FY26
NIM Guidance of 3.5%-3.75%
Current-quarter commentary contains related risk or weakness, so the promise appears not to have been delivered yet.
missed
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Q2-FY26 · Q1 FY26
Net-Zero NPA Target by FY26 End
Current-quarter commentary contains related risk or weakness, so the promise appears not to have been delivered yet.
missed
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Q2-FY26 · Q1 FY26
PM Surya Ghar Rooftop Solar Progress
Current-quarter commentary contains related risk or weakness, so the promise appears not to have been delivered yet.
missed
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Q3-FY25 · Q2 FY25
Loan Book Growth Target: 15-20% YoY, averaging 17%
Current-quarter commentary contains related risk or weakness, so the promise appears not to have been delivered yet.
missed
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Q3-FY25 · Q2 FY25
Renewable Energy Portfolio Target: INR 3 lakh crore by 2030
Current-quarter commentary contains related risk or weakness, so the promise appears not to have been delivered yet.
missed
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Q3-FY25 · Q2 FY25
Net Interest Margin: >3.6% for remainder of FY25
Current-quarter commentary contains related risk or weakness, so the promise appears not to have been delivered yet.
missed
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Q4-FY25 · Q3 FY25
Q4 Loan Asset Growth: 15%-17%
Current-quarter commentary contains related risk or weakness, so the promise appears not to have been delivered yet.
missed
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Q4-FY25 · Q3 FY25
Provision Reversals: ~INR 2,200 Crore by Dec 2025
Current-quarter commentary contains related risk or weakness, so the promise appears not to have been delivered yet.
missed
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