Poonawalla Fincorp Limited — PPTs, 25-04-2025: Investor Presentation

**Financial Highlights**

Poonawalla Fincorp reported robust growth for FY25, with Assets Under Management (AUM) increasing by 43% YoY to ₹35,631 Cr. Net Interest Income (NII) rose by 23% to ₹2,708 Cr, while the company achieved a profitable quarter with a PAT of ₹62 Cr. Despite a one-time accelerated provision of ₹666 Cr affecting profitability earlier in the year, the company's credit costs improved, showing a 27% reduction QoQ in Q4. The overall Gross NPA and Net NPA ratios were stable at 1.84% and 0.85%, respectively, supported by a strong Provision Coverage Ratio (PCR) of 54.47%.

**Strategic Initiatives and Growth Drivers**

Poonawalla has launched six new businesses and plans to open 400 branches in FY26. Their strategy focuses on an AI-first approach across functions, enhancing both product and risk management through advanced analytics. The revamped website aims to improve personalized customer experiences, while a diversified liability strategy supports incremental borrowings.

**Business Developments**

The company has entered partnerships for innovation and expanded its product portfolio, which includes new offerings in shopkeeper loans, personal loans, and educational financing, aiming for increased customer engagement and cross-selling opportunities.

**Market Position and Competitive Advantage**

With a strong market presence and commitment to sustainable, predictable, and productive growth, Poonawalla is well-positioned to capture market share through its evolving digital strategy and product diversification.

**Investor Implications**

Investors should view Poonawalla’s initiatives positively, as they set the stage for sustained growth. The expansion plans and commitment to technology-driven strategies position the company for future success, highlighting both opportunities and managed risks in a competitive financial services landscape.