Fusion Finance Limited — PPTs, 06-02-2026: Investor Presentation

Fusion Finance delivered a strong turnaround, reporting a **₹14 Cr profit** in Q3 FY26 after experiencing losses in previous quarters. Asset quality notably improved, with **Gross NPA falling to 4.38%** (from 12.58% YoY) and **Net NPA at 0.63%**. Disbursements surged **23% quarter-on-quarter to ₹1,594 Cr**, backed by stronger collection efficiency now at 99.14%.

Strategic focus areas include comprehensive digital transformation, leveraging AI/ML for credit operations, paperless onboarding, and advanced field technology like geo-fencing. New leadership appointments further strengthen governance and strategy, particularly for MSME and semi-urban expansion.

The company significantly boosted its financial strength by raising **₹2,522 Cr in Q3** through borrowings and a rights issue. Management expressed confidence in the restored profitability and 'going concern' status, emphasizing continued calibrated growth and balance sheet strengthening. Key metrics for Q3 FY26 include a **Net Interest Margin (NIM) of 11.32%** and a robust **Capital Adequacy Ratio (CRAR) of 38.80%**.