Poonawalla Fincorp Limited — PPTs, 16-01-2026: Investor Presentation

Poonawalla Fincorp showed strong Q3FY26 performance. Assets Under Management (AUM) soared 78% YoY to ₹55,017 Cr, with Net Interest Income (NII) up 60.6% YoY to ₹1,080 Cr. Profit After Tax (PAT) jumped 102.5% QoQ to ₹150 Cr. Asset quality improved, with Gross NPA at 1.51%, and Return on Assets (ROA) hit 1.20%. New products like Prime Personal Loans, Gold, and Education Loans contributed over ₹2,600 Cr in disbursements, making up 20% of the total.

The company is strategically focused on a "Phygital" expansion, planning 400 branches and 12,000+ dealer points by March-26. Significant tech investments and an AI-first approach drive efficiency. They aim for 35-40% AUM CAGR and a 5-6x AUM increase over the next five years. To support this, they plan to raise up to ₹5,500 Cr, following a ₹1,500 Cr raise from promoters in Q2FY26. Opex to AUM improved to 4.4% despite new business build-out, expected to stabilize soon.