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LOAN ISSUED (Tables)

6 Months Ended

Sep. 30, 2025

Loans and Leases Receivable Disclosure [Abstract]

Schedule of Accounts, Notes, Loans and Financing Receivable

Loans issued as of September 30, 2025, consisted of the following:

			Amount Outstanding						Due Dates						Average Interest Rate						Fair Value of Collateral						Loan Currency
Mortgage loans			$	961,474					October 2025 - May 2051						12.0%						$	961,381					KZT
Corporate loans			243,036						October 2025 - September 2035						17.1%						185,550						KZT
Right of claim for purchased retail loans			234,754						October 2025 - May 2031						15.0%						234,754						KZT
Loans to SME			226,714						October 2025 - June 2032						29.5%						30,484						KZT
Car loans			147,884						October 2025 - September 2032						24.2%						145,926						KZT
Retail loans			9,652						October 2025 - July 2045						29.4%						1,154						KZT
Other			9,066						October 2025 - May 2030						3.0%/ 18.0%						15						USD/KZT//EUR
Allowance for loans issued			(82,005)
Total loans issued			$	1,750,575

Loans issued as of March 31, 2025, consisted of the following:

			Amount Outstanding						Due Dates						Average Interest Rate						Fair Value of Collateral						Loan Currency
Mortgage loans			$	924,530					April 2025 - March 2050						11.4%						$	924,386					KZT
Loans to SME			244,217						April 2025 - February 2032						28.6%						35,141						KZT
Right of claim for purchased retail loans			183,635						April 2025 - March 2030						15.0%						183,635						KZT
Car loans			156,340						April 2025 - April 2032						24.2%						155,320						KZT
Corporate loans			149,143						April 2025 - December 2031						19.1%						92,739						KZT
Retail loans			4,847						September 2025 - March 2045						21.2%						663						KZT
Other			7,838						April 2025 - September 2029						18.0%/12.70%/3.00%						29						KZT/EUR/USD
Allowance for loans issued			(75,115)
Total loans issued			$	1,595,435

Schedule of Financing Receivable Credit Quality Indicators

The table below presents the Group's loan portfolio by credit quality classification and origination year as of September 30, 2025. Current vintage disclosure is the requirement due to first adoption of ASC 326.

			Term Loans by Origination Fiscal Year
			2026						2025						2024						2023						2022						Prior						Revolving loans						Total
Mortgage loans			$	161,750					$	288,978					$	160,218					$	324,647					$	25,881					$	—					$	—					$	961,474
that are not credit impaired			161,413						286,687						157,380						322,008						25,579						—						—						953,067
with significant increase in credit risk			301						1,165						1,547						1,174						232						—						—						4,419
that are credit impaired			36						1,126						1,291						1,465						70						—						—						3,988
Loans to SME			44,384						71,826						96,093						14,411						—						—						—						226,714
that are not credit impaired			43,347						65,538						74,036						10,558						—						—						—						193,479
with significant increase in credit risk			670						1,502						3,026						441						—						—						—						5,639
that are credit impaired			367						4,786						19,031						3,412						—						—						—						27,596
Right of claim for purchased retail loans			133,129						86,820						14,174						628						3						—						—						234,754
that are not credit impaired			133,129						86,820						14,174						628						3						—						—						234,754
Corporate loans			178,193						64,748						95						—						—						—						—						243,036
that are not credit impaired			177,836			—			64,345			—			95			—			—						—						—						—						242,276
with significant increase in credit risk			292						113						—						—						—						—						—						405
that are credit impaired			65						290						—						—						—						—						—						355
Car loans			34,763						4,369						84,849						23,903						—						—						—						147,884
that are not credit impaired			34,680						4,339						79,140						17,068						—						—						—						135,227
with significant increase in credit risk			83						30						1,094						532						—						—						—						1,739
that are credit impaired			—						—						4,615						6,303						—						—						—						10,918
Retail loans			5,650						3,055						883						64						—						—						—						9,652
that are not credit impaired			5,477						2,801						715						62						—						—						—						9,055
with significant increase in credit risk			159						96						16						—						—						—						—						271
that are credit impaired			14						158						152						2						—						—						—						326
Other			162						310						2,169						6,388						37						—						—						9,066
that are not credit impaired			162						310						2,162						6,388						37						—						—						9,059
with significant increase in credit risk			—						—						—						—						—						—						—						—
that are credit impaired			—						—						7						—						—						—						—						7
Total			$	558,031					$	520,106					$	358,481					$	370,041					$	25,921					$	—					$	—					$	1,832,580

The table below presents the Group's loan portfolio by credit quality classification as of March 31, 2025.

			Term Loans by Origination Fiscal Year
			2025						2024						2023						2022						2021						Prior						Revolving loans						Total
Mortgage loans			$	336,535					$	186,816					$	370,588					$	30,591					$	—					$	—					$	—					$	924,530
that are not credit impaired			336,051						184,610						367,918						29,876						—						—						—						918,455
with significant increase in credit risk			410						1,361						1,402						340						—						—						—						3,513
that are credit impaired			74						845						1,268						375						—						—						—						2,562
Loans to SME			98,556						126,835						18,826						—						—						—						—						244,217
that are not credit impaired			96,338						109,461						15,647						—						—						—						—						221,446
with significant increase in credit risk			1,185						3,612						663						—						—						—						—						5,460
that are credit impaired			1,033						13,762						2,516						—						—						—						—						17,311
Right of claim for purchased retail loans			151,237						30,702						1,688						8						—						—						—						183,635
that are not credit impaired			151,237						30,702						1,688						8						—						—						—						183,635
with significant increase in credit risk			—						—						—						—						—						—						—						—
that are credit impaired			—						—						—						—						—						—						—						—
Car loans			5,974						116,459						33,907						—						—						—						—						156,340
that are not credit impaired			5,974						110,871						26,014						—						—						—						—						142,859
with significant increase in credit risk			—						1,603						837						—						—						—						—						2,440
that are credit impaired			—						3,985						7,056						—						—						—						—						11,041
Corporate loans			148,599						470						74						—						—						—						—						149,143
that are not credit impaired			146,785						470						74						—						—						—						—						147,329
with significant increase in credit risk			1,813						—						—						—						—						—						—						1,813
that are credit impaired			1						—						—						—						—						—						—						1
Retail loans			3,774						1,066						7						—						—						—						—						4,847
that are not credit impaired			3,682						887						5						—						—						—						—						4,574
with significant increase in credit risk			34						18						—						—						—						—						—						52
that are credit impaired			58						161						2						—						—						—						—						221
Other			232						1,237						6,323						46						—						—						—						7,838
that are not credit impaired			232						1,229						6,323						46						—						—						—						7,830
with significant increase in credit risk			—						—						—						—						—						—						—						—
that are credit impaired			—						8						—						—						—						—						—						8
Total			$	744,907					$	463,585					$	431,413					$	30,645					$	—					$	—					$	—					$	1,670,550

Schedule of Financing Receivable, Past Due

Aging analysis of past due loans as of September 30, 2025 and March 31, 2025, is as follows:

			September 30, 2025
			Loans 30-59 Days past due						Loans 60-89 days past due						Loans 90 days or more past due and still accruing						Current loans						Total
Mortgage loans			$	2,787					$	1,632					$	3,988					$	953,067					$	961,474
Loans to SME			2,911						2,728						27,596						193,479						226,714
Right of claim for purchased retail loans			—						—						—						234,754						234,754
Corporate loans			312						93						355						242,276						243,036
Car loans			1,007						732						10,918						135,227						147,884
Retail loans			207						64						326						9,055						9,652
Other			—						—						8						9,058						9,066
Total			$	7,224					$	5,249					$	43,191					$	1,776,916					$	1,832,580

			March 31, 2025
			Loans 30-59 Days past due						Loans 60-89 days past due						Loans 90 days or more past due and still accruing						Current loans						Total
Mortgage loans			$	2,835					$	678					$	2,562					$	918,455					$	924,530
Loans to SME			3,325						2,135						17,311						221,446						244,217
Right of claim for purchased retail loans			—						—						—						183,635						183,635
Car loans			1,548						892						11,041						142,859						156,340
Corporate loans			730						1,083						1						147,329						149,143
Retail loans			36						16						221						4,574						4,847
Other			—						—						8						7,830						7,838
Total			$	8,474					$	4,804					$	31,144					$	1,626,128					$	1,670,550

Schedule of Financing Receivable, Allowance for Credit Loss

The activity in the allowance for credit losses for the six months ended September 30, 2025 and 2024 is summarized in the following tables.

			Allowance for credit losses
			Mortgage loan						Loans to SME						Corporate loans						Retail loans						Car loans						Right of claim for purchased retail loans						Other						Total
March 31, 2025			(10,698)						(35,194)						(2,640)						(760)						(8,466)						(17,332)						(25)						$	(75,115)
Charges			(2,457)						(17,376)						(2,077)						(1,049)						(2,643)						(19,555)						(5)						(45,162)
Recoveries			10,033						5,427						2,705						225						1,976						11,214						—						31,580
Write off			3						—						—						—						—						—						—						3
Forex			542						3,377						187						97						717						1,769						—						6,689
September 30, 2025			$	(2,577)					$	(43,766)					$	(1,825)					$	(1,487)					$	(8,416)					$	(23,904)					$	(30)					$	(82,005)

			Allowance for credit losses
			Mortgage loan						Loans to SME						Corporate loans						Retail loans						Car loans						Right of claim for purchased retail loans						Other						Total
March 31, 2024			(3,034)						(19,558)						(10)						(150)						(14,260)						(6,575)						(31)						$	(43,618)
Charges			(1,942)						(14,386)						(225)						(244)						(2,687)						(4,432)						(27)						(23,943)
Recoveries			780						4,525						17						47						5,193						4,534						—						15,096
Write off			—						43						—						4						260						—						30						337
Forex			261						1,768						9						18						916						466						—						3,438
September 30, 2024			$	(3,935)					$	(27,608)					$	(209)					$	(325)					$	(10,578)					$	(6,007)					$	(28)					$	(48,690)

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- Definition

Tabular disclosure of allowance for credit loss on financing receivable.

+ References

Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef
-Topic 326
-SubTopic 20
-Name Accounting Standards Codification
-Section 50
-Paragraph 13
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147479319/326-20-50-13

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Tabular disclosure of financing receivables by credit quality indicator. The credit quality indicator is a statistic about the credit quality of financing receivables. Examples include, but not limited to, consumer credit risk scores, credit-rating-agency ratings, an entity's internal credit risk grades, loan-to-value ratios, collateral, collection experience and other internal metrics.

+ References

Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef
-Topic 326
-SubTopic 20
-Name Accounting Standards Codification
-Section 50
-Paragraph 5
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147479319/326-20-50-5

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Tabular disclosure of aging analysis for financing receivable.

+ References

Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef
-Topic 326
-SubTopic 20
-Name Accounting Standards Codification
-Section 50
-Paragraph 14
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147479319/326-20-50-14

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-Topic 326
-SubTopic 20
-Name Accounting Standards Codification
-Section 55
-Paragraph 80
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147479294/326-20-55-80

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Tabular disclosure of the various types of trade accounts and notes receivable and for each the gross carrying value, allowance, and net carrying value as of the balance sheet date. Presentation is categorized by current, noncurrent and unclassified receivables.

+ References

Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef
-Topic 210
-SubTopic 10
-Name Accounting Standards Codification
-Section S99
-Paragraph 1
-Subparagraph (SX 210.5-02(4))
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-Publisher FASB
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