Finance company Poonawalla Fincorp announced Q2FY26 results Assets Under Management (AUM) stood at Rs 47,701 crore, up 68.0% YoY and 15.6% QoQ. Secured to Unsecured on-book mix at 56:44. AUM Mix: MSME at 36%, Loan against property at 26%, Personal and Consumer finance at 26%, and pre-owned car finance at 11%. Net Interest Income (inc. fees and other income) at Rs 905 crore, up 40.3% YoY. Net Interest Margin (NIM) at 8.40% in Q2FY26 vs 8.32% in Q1FY26. PPoP of Rs 387 crore, up 38% YoY in the quarter despite ongoing investment in new businesses and skew to secured book. PAT of Rs 74 crore in the quarter. Stable asset quality: GNPA stood at 1.59% in Q2FY26 vs 1.84% in Q1FY26. NNPA stood at 0.81% in Q2FY26 vs 0.85% in Q1FY26 Stage 1 Assets stood at 97.1% of on-book assets in Q2FY26 vs 96.5% in Q1FY26. Provision Coverage Ratio at 49.65%. Capital Adequacy Ratio at 20.85% (Tier-1 at 19.63%), well above the regulatory requirement of 15%. Liquidity buffer stood at Rs 6,261 crore as of September 30, 2025. Cost of Borrowings at 7.69% for this quarter, 35 bps lower than Q1FY26. 10 new AI projects have been added this quarter, bringing the total to 45 cutting-edge AI projects. Arvind Kapil, Managing Director and CEO, Poonawalla Fincorp, said: “We delivered strong AUM growth this quarter supported by increased contribution from our new business verticals. This reflects the successful execution of our diversification strategy. Improved liability management, particularly through cost effective NCD issuances, strengthened our funding profile. We remain focused on driving sustainable growth with prudent risk management.” Result PDF
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