PTC India Financial Services Limited — Investor Meet, 15-05-2025: Analysts/Institutional Investor Meet/Con. Call Updates

PTC India Financial Services has announced a board meeting on May 22, 2025 to consider the financial results for the quarter and half-year.

PTC India Financial Services reported FY25 income at INR638 crore (down from INR776 crore), while PAT rose 35% to INR217 crore. ROA improved to 3.56%, and capital adequacy strengthened to 59.65%. Gross Stage 3 assets fell to INR711 crore, with expected NPA reductions of ~INR280 crore. Loan book stood at INR4,746 crore, with 7%-9% quarterly AUM growth targeted, supported by key senior hires. Q4 disbursements were weak (~INR50 crore) but expected to rebound to INR600-650 crore in Q1 FY26. Spreads are forecast at 1.75%-2%, with rating upgrades expected to reduce borrowing costs from H2 FY26. Prepayments may reach INR200-600 crore, requiring higher new sanctions to sustain growth. Dividend payout was deferred to conserve cash. Management expressed cautious optimism driven by a cleaner balance sheet and phased, risk-focused growth.