Finance company Poonawalla Fincorp announced Q4FY25 & FY25 results Q4FY25 Financial Highlights: Assets Under Management (AUM) stood at Rs 35,631 crore, up 42.5% YoY and 15% QoQ. Secured to Unsecured on-book mix at 57:43 (vs 54:46 in Q3FY25). AUM Mix: MSME at 36%, Personal and Consumer finance at 23%, Loan against property at 24% and Pre-owned car at 14%. Net Interest Income (inc. fees and other income) was Rs 715 crore, +12% YoY. PPoP was Rs 333 crore in the quarter. Stable asset quality: Gross NPA at 1.84%; Net NPA at 0.85%. Provision Coverage Ratio at 54.47%. Capital Adequacy Ratio was 22.94% (Tier-1 at 21.67%), well above the regulatory requirement of 15%. Liquidity buffer stood at Rs 4,686 crore as of March 31, 2025. FY25 Financial Highlights: Net Interest Income (inc. fees and other income) was Rs 2,708 crore, +23% YoY. PPoP was Rs 1,417 crore, +2% YoY despite investment in new businesses and increase in secured asset mix Business Highlights: Launched 6 new businesses: PL Prime including PL Prime Digital 24x7, Education Loans, Commercial Vehicles, Consumer Durable, Shopkeeper Loans and Gold Loans. Driving AI-first approach across the functions: Identified 25 AI-Solutions | 7 completed and 18 Underway. Expanding ‘Phygital’ model: Plan to launch 400 branches and continuously strengthening digital footprint. Focus to scale AUM this year followed by robust sustainable profits for FY27 Arvind Kapil, Managing Director & CEO, Poonawalla Fincorp, said: “Smarter AI. Sharper digital journeys. With risk-first thinking and next-gen analytics, we’re reimagining customer assessment for a more agile and sustainable profits.” Result PDF