Conference Call with Poonawalla Fincorp Management and Analysts on Q1FY26 Performance and Outlook. Listen to the full earnings transcript.
Finance company Poonawalla Fincorp announced Q1FY26 results Assets Under Management (AUM) stood at Rs 41,273 crore, up 53.0% YoY and 15.8% QoQ. Secured to Unsecured on-book mix at 57:43. AUM Mix: MSME at 36%, Loan against property at 25%, Personal and Consumer finance at 23%, and Pre-owned car finance at 13%. Net Interest Income (inc. fees and other income) was Rs 768 crore, +13.6% YoY. PPoP was Rs 325 crore in the quarter due to ongoing investment in new businesses and skew to secured book. Stable asset quality: Gross NPA at 1.84%; Net NPA at 0.85%. Provision Coverage Ratio at 53.93%. Capital Adequacy Ratio was 20.55% (Tier-1 at 19.02%), well above the regulatory requirement of 15%. Liquidity buffer stood at Rs 4,465 crore as of June 30, 2025. Arvind Kapil, Managing Director and CEO, Poonawalla Fincorp, said: “With credit cost significantly reducing on an overall basis by 53 bps QoQ, a risk-calibrated AUM increase of 15.8% QoQ, and ~Rs.1,500 crore capital infusion on preferential basis by the promoter, strengthens the company and supports its growth plans. Poonawalla Fincorp is well-poised for building a risk-first, sustainable, and profitable model. Result PDF
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
Finance company Poonawalla Fincorp announced Q3FY25 results Assets: Assets Under Management (AUM) stood at Rs 30,984 crore, up 41% YoY and 9% QoQ. Secured to Unsecured mix improved to 54:46. AUM Mix consists of 36% MSME finance, followed by 24% Personal and Consumer finance, 22% Loan against property and 14% Pre-owned car. Asset Quality: Gross NPA at 1.85%, reduced by 25bps QoQ; Net NPA at 0.81%. Provision Coverage Ratio at 56.79%. Profitability: PPoP was Rs 373 crore, +7% YoY. Net Interest Income (inc. fees and other income) was Rs 672 crore, up 22% YoY. Capital Adequacy and Liquidity: Capital Adequacy Ratio was 25.89%, with Tier-1 at 24.46%, well above the regulatory requirement of 15%. Liquidity buffer stood at Rs 4,808 crore. Arvind Kapil, Managing Director and CEO, Poonawalla Fincorp, said: “We are excited and confident on the foundation we are building today which will deliver meaningful value in the quarters ahead. We see robust AUM growth in the four quarters leading to strong sustainable profits.” Result PDF