Summary

Poonawalla Fincorp Limited, a non-deposit taking systemically important NBFC, focusing on consumer and MSME finance, reported its unaudited financial results for the quarter ending December 31, 2025. The company registered robust growth in AUM, which stood at ₹55,017 crore, up 77.6% YoY. The net interest income (inc. fees and other income) was ₹1,080 Crore, up 60.6% YoY. The company's PPoP was ₹528 crore, up 41.5% YoY in the quarter ended December 31, 2025. The PAT for the quarter was ₹150 crore vs ₹74 Crore in Q2FY26. The company's asset quality remains stable with GNPA at 1.51% in Q3FY26 vs 1.59% in Q2FY26 and NNPA at 0.80% in Q3FY26 vs 0.81% in Q2FY26.

Key Highlights

1. 1

   AUM at ₹55,017 crore, up 77.6% YoY and 15.3% QoQ

2. 2

   Secured to Unsecured on-book mix at 56:44

3. 3

   Net Interest Income (inc. fees and other income) at ₹1,080 Crore, up 60.6% YoY

4. 4

   Net Interest Margin (NIM) (inc. fees and other income) at 8.62% in Q3FY26 vs 8.40% in Q2FY26

5. 5

   PPoP of ₹528 crore, up 41.5% YoY in the quarter ended December 31, 2025

6. 6

   PAT of ₹150 crore in Q3FY26 vs ₹74 Crore in Q2FY26

7. 7

   Stable asset quality: GNPA stood at 1.51% in Q3FY26 vs 1.59% in Q2FY26

8. 8

   Capital Adequacy Ratio at 18.17% (Tier-1 at 17.15%), well above the regulatory requirement of 15%

9. 9

   Liquidity buffer stood at ₹6,488 crore as of December 31, 2025

10. 10

    Cost of Borrowings at 7.65% for this quarter, 4 bps lower than Q2FY26