Poonawalla Fincorp Limited — Investor Meet, 21-01-2026: Analysts/Institutional Investor Meet/Con. Call Updates

Poonawalla Fincorp posted strong Q3FY26 results. AUM grew 77.6% YoY to ₹55,017 Cr. PAT surged 102% QoQ to ₹150 Cr, with ROA reaching 1.2%. Gross NPA improved to 1.51%, reflecting robust asset quality.

Management highlighted operating leverage kicking in, driven by upfront investments and multi-product infrastructure. New products like personal loans and gold loans are scaling well, contributing to diversified growth. The company is embracing an 'AI-first' approach, with 30 AI projects live to enhance efficiency and customer service. Strategic focus remains on a balanced product mix (Gold, Education, LAP, PL) to drive sustainable ROA and reduce overall credit costs. An optimistic outlook on future profitability.