Poonawalla Fincorp Limited — PPTs, 17-10-2025: Investor Presentation

Poonawalla Fincorp reports robust Q2FY26 performance, with Assets Under Management (AUM) surging 68% YoY to ₹47,701 Cr. Profit Before Provisioning and Tax (PPoP) increased 38.5% YoY to ₹387 Cr, while Net Interest Income (NII) grew 40.3% YoY to ₹905 Cr. Net Profit after Tax (PAT) rose 18.5% QoQ to ₹74 Cr. Asset quality improved, with Gross NPA at 1.59%, a 25 bps reduction. The company maintains a strong Capital Adequacy Ratio of 20.85%.

Growth is fueled by a diversified 'Phygital' model and new product launches, including Gold Loan and PL Prime, which contributed over ₹2,090 Cr to disbursements and 8% to AUM this quarter. Strategic priorities include scaling these new products, expanding to 400 gold loan branches by March-26, and an AI-first approach across operations. A ₹1,500 Cr equity infusion from the promoter highlights strong long-term outlook, supporting the ambition for 5-6x AUM growth over five years. Operational expenditure relative to AUM remains stable, with further optimization anticipated by Q4FY26.