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
Finance company Poonawalla Fincorp announced Q2FY25 results Assets: Assets Under Management (AUM) stood at Rs 28,396 crore, up 40% YoY and 5% QoQ. AUM Mix consists of 33% MSME finance, followed by 28% personal and consumer finance, 19% loan against property and 15% pre-owned car. Asset Quality: Net NPA stable at 0.33%, lower 39bps YoY; Gross NPA at 2.10%, up by 74bps YoY and 143bps QoQ, on account of higher slippages in STPL portfolio. STPL portfolio one-time provisioning of Rs 666 Crore taken during the quarter and recalibrated on credit parameters. Provision Coverage Ratio improved from 52.53% to 84.47% QoQ. Profitability: Net Interest Income (inc. fees and other income) was Rs 645 crore, up 22% YoY. PPoP was Rs 279 crore. PPoP includes one-time opex of Rs 71 Crore. Capital Adequacy and Liquidity: Capital Adequacy Ratio was 29.22%, with Tier-1 at 27.75%, well above the regulatory requirement of 15%. Liquidity buffer stood at Rs 5,710 crore. Arvind Kapil, Managing Director and CEO, Poonawalla Fincorp, said: “The quarter will mark a very positive turning point for the company. We have made provisioning for the STPL book with a clear intent for better risk management and financial resilience. We are strengthening our balance sheet for a long-term strategy. With the management depth that is already on board, we are confident that we will take the existing 4 products to a total of 10 products. I believe this will transform Poonawalla Fincorp within the first 4-6 quarters both in terms of diversity of customer segments, distribution, recalibration of overall risk, substantial lift in AUM and a foundation for recalibration of profit in the third year.” Result PDF