Conference Call with PTC India Financial Services Management and Analysts on Q2FY26 Performance and Outlook. Listen to the full earnings transcript.
Finance company PTC India Financial Services announced Q2FY26 results Q2FY26 PAT at Rs 88.14 crore compared to Rs 47.34 crore in Q2FY25. Q2FY26 disbursement at Rs 326 crore compared to NIL in Q2FY25. Q2FY26 loan sanctions at Rs 1,048 crore compared to NIL in Q2FY25. Return on Networth (annualized) improved to 12.30% in Q2FY26 compared to 7.26% in Q2FY25. ROA (annualized) is 6.50% in Q2FY26 compared to 3.08% in Q2FY25. Yield on Earning Portfolio at 11.23% in Q2FY26 compared to 11.47% in Q2FY25. Gross Stage III improved to Rs 193 crore in Q2FY26 compared to Rs 764 crore in Q2FY25. Provision Coverage Ratio for Stage III assets improved to 76% in Q2FY26 from 63% in Q2FY25. Management Commentary: “We remain steadfast in our commitment to delivering consistent value to all our stakeholders, guided by the principles of transparency, accountability, and responsible growth. Our core focus continues to be on profitable expansion, operational excellence, and the development of innovative, customer-centric solutions aligned with our long-term sustainability vision. The quarter under review was one of significant transition and progress. We witnessed strong traction in our business portfolio, supported by improved asset quality and steady growth in loan sanctions and disbursement. This quarter marked a visible uptick in loan sanctions and disbursements, entry into the SME segment, and a significant and a meaningful improvement in asset quality. We are confident of sustaining the growth momentum in the next few quarters. While our AUM may exhibit short-term fluctuations due to prepayments and portfolio churn, we remain positive of achieving steady, high-quality growth over the medium term. Our strategy is anchored in building a welldiversified, low volatility portfolio, while creating long term value for our stakeholders.” Result PDF
