Poonawalla Fincorp Limited has informed the Exchange about Transcript
POONAWALLA · price
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Poonawalla Fincorp reported AUM of ₹35,631 crores, up 42.5% YoY and 15% QoQ, beating its earlier 30–35% FY25 growth guidance. Q4 disbursements were ₹9,378 crores (up ~31% QoQ), NII was ₹715 crores (+12% YoY) and PAT recovered to ₹62 crores from ₹19 crores in Q3. Credit costs fell 27% QoQ to ₹253 crores with GNPA stable at 1.84%. The legacy STPL portfolio has been recalibrated down to ~8% of AUM (from 21% in Sept-24), with no accelerated write-offs in Q4 and 80% of the residual book at zero DPD. The company raised ₹1,525 crores via NCDs in April 2025, lifting NCD share to 12% of borrowings, and is targeting 400 gold loan branches and has already launched six new businesses ahead of schedule, including education loans (300+ files in 45 days) and PL Prime (scaled from 0 to ₹200+ crores).
Strong AUM growth and improving asset quality point to a credible turnaround, though near-term PPoP will stay soft as the company invests in new businesses and shifts mix toward secured lending. Management reiterated FY26-27 robust profitability guidance, which supports a constructive medium-term outlook for shareholders.