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Poonawalla Fincorp Results: Latest Quarterly Results & Analysis

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Poonawalla Fincorp Ltd. 17 Oct 2025 17:49 PM
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Q2FY26 Quarterly Result Announced for Poonawalla Fincorp Ltd.

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.”

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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

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.”

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Finance company Poonawalla Fincorp announced Q1FY25 results:
  • Assets:
    • Assets Under Management (AUM) stood at Rs 26,972 crore, up 52% YoY and 8% QoQ
    • AUM Mix consist of 35% MSME finance, followed by 28% personal and consumer finance, 17% loan against property and 14% pre-owned car.
  • Asset Quality:
    • Gross NPA at 0.67%, lower 75bps YoY and 49bps QoQ
    • Net NPA at 0.32%, lower 44bps YoY and 27bps QoQ
    • Provision Coverage Ratio stood at 52.53%
  • Profitability:
    • Operating Profit (PPOP) was Rs 432 crore, up 47% YoY and 6% QoQ
    • Profit After Tax (PAT) was Rs 292 crore, up 46% YoY
    • Return on Assets (RoA) stood at 4.62%
    • Net Interest Income (inc. fees and other income) was Rs 676 crore, up 42% YoY and 5% QoQ
  • Capital Adequacy and Liquidity:
    • Capital Adequacy Ratio was 31.57%, with Tier-1 at 30.09%, well above the regulatoryrequirement of 15%
    • Liquidity buffer stood at Rs 5,192 crore.

Commenting on the results, Arvind Kapil, Managing Director and CEO, Poonawalla Fincorp, said: “Our fundamental guiding philosophy for all businesses will be productivity, predictability and sustainability. We envisage achieving it through higher investments mainly in collections, technology and launch of new businesses. This will help us build a retail franchise step-by-step, process-by-process with solid risk management and mix of right products.”

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Finance company Poonawalla Fincorp announced Q4FY24 results:

Financial Highlights:

Assets:

  • Highest Ever Quarterly Disbursement: Achieved the highest ever quarterly disbursement of Rs 9,688 crore, up 52% YoY and 11% QoQ
  • Assets Under Management (AUM): Stood at Rs 25,003 crore, up 55% YoY and 14% QoQ

Asset Quality:

  • Gross NPA at 1.16%, reduced by 28 bps YoY and 17 bps QoQ
  • Net NPA at 0.59%, reduced by 19 bps YoY and 11 bps QoQ

Profitability:

  • Profit After Tax (PAT): Highest ever yearly PAT of Rs 1,027 crore in FY24, jumps 83% YoY and Highest ever quarterly PAT of Rs 332 crore, up 25% QoQ
  • Return on Assets (RoA) stood at 5.73%, up 73 bps YoY and 42 bps QoQ
  • Net Interest Margin (NIM) was at 11.06%, up 4 bps QoQ
  • Opex to AUM ratio: At 3.99% in Q4FY24, reduced by 144 bps YoY and 1 bps QoQ
  • Operating Profit (PPOP) was at Rs 409 crore for Q4FY24, up 93% YoY and 17% QoQ

Capital Adequacy and Liquidity:

  • Capital Adequacy Ratio stood at 33.8%
  • Liquidity buffer stood at Rs 3,932 crore

Commenting on the results, Abhay Bhutada, Managing Director, Poonawalla Fincorp, said, “I feel elated and proud of the last 3 years’ journey, to spearhead the biggest transformation of Poonawalla Fincorp that the NBFC space has ever witnessed. Our rigor and execution excellence has ensured that we have continuously outperformed and given consistent superior performance resulting in achieving significant milestone of AUM crossing Rs 25,000 crore and PAT crossing Rs 1,000 crore. Our differentiated strategy and relentless execution are reflected across all business metrics and have made us a thought leader in the lending space.”

Result PDF

Non-banking Financial company Poonawalla Fincorp announced Q3FY24 results:

Financial Performance:
- The company recorded its highest-ever quarterly Profit After Tax (PAT) of Rs 265 crore, marking a sharp increase of 76% year-over-year (YoY).
- There was a noteworthy rise in the quarterly disbursements that reached a new high of Rs 8,731 crore, showing a significant climb of 159% YoY and 12% quarter-over-quarter (QoQ).
- Operating Profit (PPOP) reached Rs 350 crore, indicating a substantial growth of 125% YoY and 4% QoQ.

Asset Management and Quality:
- Poonawalla Fincorp's Assets Under Management (AUM) stood at Rs 21,946 crore, up 58% YoY and 9% QoQ.
- Gross Non-Performing Assets (NPA) were reported at 1.33%, presenting a YoY decrease of 36 basis points (bps) and a marginal QoQ dip of 3 bps.
- Net NPA showed improvement, coming down to 0.70%, reducing by 19 bps YoY and 2 bps QoQ.

Profitability Metrics:
- Return on Assets (ROA) was observed at 5.3%, an uplift of 84 bps YoY and 34 bps QoQ.
- The Net Interest Margin (NIM) experienced an improvement, recording at 11.02%, up by 33 bps YoY.
- The ratio of Operating Expenses to AUM improved, standing at 4.00%, showing a decrease of 206 bps YoY and 18 bps QoQ.

Capital Adequacy and Liquidity:


- The Capital Adequacy Ratio was strong at 38.2%.
- The company maintained a healthy liquidity buffer of Rs 2,973 crore.

Dividends:
- The board declared an interim dividend of Rs 2 per equity share, equating to a 100% payout of the face value for FY24.

Commenting on the results, Abhay Bhutada, Managing Director, Poonawalla Fincorp, said, “We continued to showcase exemplary growth in Q3FY24 with highest ever quarterly disbursement & profit and strong AUM growth while maintaining a superior asset quality. Our recently launched mobile app has gained significant traction thereby helping us build a robust distribution ecosystem. With the successful completion of our technology transformation, we are now a step ahead to offer a delightful customer experience with innovative and personalized journeys.”

 

 

 

Result PDF

Non-banking Financial company Poonawalla Fincorp announced Q2FY24 results:

 Financial Performance

  • Record-breaking Profit: Poonawalla Fincorp reported its highest-ever quarterly Profit After Tax (PAT) of Rs 230 crore in Q2FY24, marking a significant increase of 77% compared to the same period last year.
  • Strong Disbursement Growth: The company achieved its highest-ever quarterly disbursement of Rs 7,807 crore, showcasing a remarkable growth of 151% YoY and 11% QoQ.
  • Robust Asset Quality: Poonawalla Fincorp maintained a strong asset quality with Gross Non-Performing Assets (NPA) reducing to 1.36%, a decrease of 41 basis points YoY. Net NPA also improved to 0.72%, marking a decrease of 22 basis points YoY.
  • Impressive Asset Under Management (AUM): The company's AUM reached a new high of Rs 20,215 crore, reflecting a strong growth of 54% YoY and 14% QoQ. This increase demonstrates the trust and confidence of its customers in Poonawalla Fincorp.


Financial Ratios and Performance Indicators

  • Capital Adequacy and Liquidity: Poonawalla Fincorp maintained a robust capital adequacy ratio of 42% and a liquidity buffer of Rs 3,823 crore, ensuring a strong financial position.
  • Return on Assets (ROA): The company achieved a Return on Assets (ROA) of 5.0%, showing an improvement of 96 basis points YoY and 19 basis points QoQ.
  • Net Interest Margin (NIM): Poonawalla Fincorp's Net Interest Margin (NIM) stood at 11.42%, indicating an improvement of 106 basis points YoY and 2 basis points QoQ.
  • Controlled Operating Expenses: The company successfully reduced operating expenses to Rs 194 crore, showcasing a decrease of 8% YoY.
  • Profit from Operations (PPOP): Poonawalla Fincorp achieved an operating profit of Rs 336 crore, marking a substantial increase of 167% YoY and 14% QoQ.

Commenting on the results, Abhay Bhutada, Managing Director, Poonawalla Fincorp, said, “The first half of FY24 has been extremely promising for us with exceptional results for the second quarter as well. We continued to build on the momentum by crossing the Rs 20,000 crore mark in AUM, achieving the highest profitability, best-in-class asset quality, and significant growth across various financial parameters. We have started offering instant personal loans through our recently launched cutting-edge mobile app, a step forward in shaping the financial landscape. We are fully prepared and excited about the journey ahead and are confident of delivering stellar performance going ahead.”

 

 

Result PDF

Non-banking Financial Company Poonawalla Fincorp announced Q1FY24 results:

  • Highest ever quarterly Disbursements at Rs 7,063 crore, up 143% YoY and 11% QoQ.
  • Assets Under Management (AUM) at Rs 17,776 crore, up 41% YoY and 10% QoQ.
  • Direct Digital Program (DDP) contribution in disbursements increased to 86% in Q1FY24 as compared to 81% in Q4FY23.
  • Gross NPA at 1.42%, reduced 126 bps YoY and 2 bps QoQ.
  • Net NPA at 0.76%, reduced 35 bps YoY and 2 bps QoQ
  • Highest ever quarterly PAT at Rs 200 crore for Q1FY24, up 62% YoY and 11% QoQ.
  • Return on Assets (RoA) for Q1FY24 at 4.8%, up 67 bps YoY.
  • Net Interest Margin (NIM) for Q1FY24 was at 11.4%, an improvement of 108 bps YoY and 12 bps QoQ.
  • Operating expenses for Q1FY24 stood at Rs 183 crore, down 4% YoY and 7% QoQ.
  • Operating Profit (PPOP) for Q1FY24 was at Rs 294 crore, up 148% YoY and 39% QoQ.
  • Capital Adequacy Ratio stood at 36% as of June 30, 2023.
  • Liquidity buffer stood at Rs 4,020 crore as of June 30, 2023.

Commenting on Poonawalla Fincorp’s Q1FY24 performance, CA Abhay Bhutada, Managing Director, said, “We have taken the FY23 momentum ahead with a fantastic start to FY24. The business growth has been strong, complemented by best-in-class asset quality and superior profitability. Our Fintech model, with a focus on increasing productivity and improving efficiency, has led to a further reduction in operating expenses. We continue to focus on the future as we constantly innovate, invest in future trends, remain agile, and build a deep eco-system play. We are all geared up and excited about the journey ahead and are confident of delivering an exceptional performance.”

 

 

Result PDF

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