Fusion Finance Limited — PPTs, 04-11-2025: Investor Presentation

Fusion Finance reported its financial results for the quarter and half-year, showing a total income of ₹433 Cr. The company significantly reduced its net loss to ₹22 Cr from ₹92 Cr in the previous quarter. Asset quality notably improved, with Gross NPA at 4.61% and Net NPA at 0.38%. Credit costs saw a sharp decline to ₹111 Cr, marking the fourth consecutive quarterly reduction. Disbursements grew 37% quarter-on-quarter to ₹1,298 Cr, highlighting a measured return to growth.

Strategically, Fusion Finance is accelerating disbursements to less leveraged MFI customers and re-balancing state-wise portfolio. Digital transformation is a key focus, including Aadhaar-based verification, paperless signing, and AI/ML-driven credit operations for efficiency. The MSME business is expanding with 93% secured loans and 95% digital collections.

Governance was strengthened with BFSI veteran Rajeev Sardana joining as an independent director and the appointment of a dedicated Chief Compliance Officer and Head of Internal Audit. The company also successfully raised ₹1,395 Cr in funds. AUM stood at ₹7,038 Cr, with a robust Capital Adequacy Ratio (CRAR) of 31.31% and Net Interest Margin (NIM) of 10.85%. Management remains committed to improving credit costs and maintaining portfolio quality, aiming for efficient growth.