PTC India Financial Services Limited has informed the Exchange regarding 'Investor Presentation on the Financial Results for the quarter ended June 30, 2025'.
PFS · price
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PTC India Financial Services (PFS), a subsidiary of PTC India Limited (64.99% holding), shared its Q1 FY26 results. Profit after tax jumped sharply to ₹136.63 Cr from ₹44.40 Cr in Q1 FY25, even as total income dipped to ₹142.24 Cr from ₹161.22 Cr. Loan assets (AUM) moderated to ₹4,313 Cr from ₹4,735 Cr in Q4 FY25 due to scheduled repayments and prepayments, while disbursements rose to ₹138 Cr from a weak ₹50 Cr in Q4 FY25. Asset quality improved meaningfully — Gross Stage III fell to ₹280 Cr (from ₹767 Cr YoY) with no new slippages and provision coverage at 62%; two legacy stressed accounts (Vento Power and Danu Wind, 94.54% of stress) are in active resolution. Net Interest Margin expanded to 4.63% (from 3.45% YoY), ROA rose to 9.77%, and capital adequacy stayed robust at 64.96%. Liquidity Coverage Ratio improved to 323%, with 100% of Q1 disbursements going to private corporates.
Strong PAT growth despite a shrinking book signals major turnaround in profitability, driven by recoveries and lower credit costs — positive for shareholders. However, CRISIL's 'A (Negative)' outlook remains a watchpoint, and the shrinking AUM indicates growth challenges ahead even as asset quality normalises.