Press Release for the financial results for the quarter and year ended 31st March 2026
PFS · price
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PTC India Financial Services reported FY26 PAT of ₹319 crores, up 47% from ₹217 crores in FY25, despite total income declining 19% to ₹518 crores from ₹638 crores. The company is in a strategic transition phase, with AUM declining to ₹3,302 crores as it cleans up legacy NPAs and pivots toward private sector lending and infrastructure diversification. Q4 FY26 saw strong operational momentum with loan sanctions jumping 10x year-on-year to ₹1,004 crores and disbursements tripling to ₹162 crores. Asset quality improved dramatically with Gross Stage III assets down 73% to ₹190 crores and Net Stage III down 83% to ₹47 crores. ROA improved to 6% from 3.56% in FY25, while the Provision Coverage Ratio for Stage III assets increased to 75% from 60%.
The company is successfully turning around its asset quality while growing profitability, but the declining revenue reflects a deliberate strategic shift away from conventional lending toward higher-quality granular loans. Shareholders should expect continued volatility as PFS rebuilds its loan book with focus on sustainable, diversified growth in infrastructure finance.