Poonawalla Fincorp Limited — Investor Meet, 02-05-2025: Analysts/Institutional Investor Meet/Con. Call Updates

Poonawalla Fincorp has announced a board meeting to consider the financial results for the quarter and half-year.

AUM rose 42.5% YoY to ₹35,631 Cr, driven by 15% QoQ growth and diversified product traction; MSME forms 36%, secured-to-unsecured is 57:43. Q4 disbursements increased 31% QoQ to ₹9,378 Cr. Six new businesses launched, including gold loans and consumer durable financing, targeting Tier 2/3 cities.

AI deployment boosted efficiency, reducing early delinquency >40% and cutting credit cost 27% QoQ to ₹253 Cr. GNPA/NNPA at 1.84%/0.85%. Net interest income up 12% YoY to ₹715 Cr; pre-provisioning profit down 11% QoQ due to growth investments. Operating expenses elevated but expected to stabilize by FY26.

Management is confident on sustained growth, improving ROA to 3%-3.5% in 3 years, and controlled credit costs. Capital raising possible next year; borrowing cost steady around 8%.