PTC India Financial Services Limited — PPTs, 28-01-2025: Investor Presentation

**Financial Highlights:** For Q3 FY25, PTC India Financial Services Ltd reported total income of ₹158.12 Crore and a profit after tax (PAT) of ₹67.14 Crore. The loan assets stood at ₹5,178 Crore, reflecting a slight decrease from ₹5,249 Crore in Q2 FY25. The capital adequacy ratio improved to 57.36% from 44.65% in the previous quarter. The return on assets is consistently strong at 4.46%.

**Strategic Initiatives and Growth Drivers:** The company's focus is on sustainable finance, targeting sectors like electric vehicle mobility, renewable projects, and waste management. PFS aims to increase share in non-energy sectors to diversify its portfolio.

**Business Developments:** PFS has sanctioned loans totaling ₹225 Crore this quarter and disbursed ₹300 Crore. They emphasize granular lending, aiming to reduce concentration risk by offering smaller ticket sizes between ₹50-100 Crore, which aligns with their strategic risk management framework.

**Market Position and Competitive Advantage:** With a robust credit appraisal system and a strong focus on asset quality, PTC India Financial Services maintains a competitive edge in the infrastructure financing space. Their proactive measures have successfully kept NPAs at bay over the last seven years.

**Investor Implications:** The financial performance adds confidence for investors, with sustained income and attention to diversifying their operations indicating positive growth potential. Stakeholders should watch closely for further developments in their strategic growth areas.