Poonawalla Fincorp (PFL) has delivered on its stated strategy in FY23, registering an exit-RoA of 5.0%, FY23 AUM growth of 37%, FY23 focused AUM growth of 73%, gross stage-3 pool at 1.44% and net stage-3 at 0.78%. FY23 performance enhances confidence in management’s long term AUM growth guidance of 35- 40%, earnings growth of 30-35%, GNPA in the range of 1.3-1.8%, NNPA in the range of 0.5-0.9% and RoA of 4.0-4.5%.