| Metric | Value (₹ Cr) | vs Q1 FY26 |
|---|---|---|
| Revenue | 131.84 | 7.1% |
| Total Income | 131.86 | 7.3% |
| Expenditure | 14.23 | 449.6% |
| PBT | 117.63 | 19.6% |
| Net Profit | 88.14 | 35.5% |
| OPM | 100.00% | 0.00pp |
| NPM | 66.84% | 29.22pp |
| EPS | 1.37 | 35.7% |
PTC India Financial Services Ltd Reports 86% Growth in Q2FY26 Profit After Tax
23 Oct 2025 · 23 Oct 2025, 07:42 pm
Summary
PTC India Financial Services Ltd has reported a 86% y-o-y growth in Profit After Tax for Q2FY26, driven by legacy issue resolution. The company has also seen significant improvement in asset quality and a substantial increase in loan sanctions and disbursements. The Return on Networth (annualized) has improved to 12.30% in Q2FY26 compared to 7.26% in Q2FY25 and ROA (annualized) is 6.50% in Q2FY26 compared to 3.08% in Q2FY25. The company has also seen a significant improvement in portfolio quality with gross stage III assets down by 75% and net stage III assets down by 83 in HIFY26 compared to HIFY25.
Key Highlights
- 1
Q2FY26 Total Income stable at 7131.86 crores
- 2
Profit After Tax for Q2FY26 at 788.14 crores (86% growth y-o-y; driven by legacy issue resolution)
- 3
Significant improvement in asset quality; Net Stage HI at 247 crores in Q2FY26
- 4
Loan Sanctions and Disbursement at 1,048 crores and 2326 crores respectively in Q2FY26
- 5
Q2FY26 PAT at 288.14 crores compared to 747.34 crores in Q2FY25
- 6
Q2FY26 disbursement at 7326 crores compared to NIL in Q2FY25
- 7
Q2FY26 loan sanctions at =1,048 crores compared to NIL in Q2FY25
- 8
Return on Networth (annualized) improved to 12.30% in Q2FY26 compared to 7.26% in Q2FY25
- 9
ROA (annualized) is 6.50% in Q2FY26 compared to 3.08% in Q2FY25
- 10
Yield on Earning Portfolio at 11.23% in Q2FY26 compared to 11.47% in Q2FY25
- 11
Gross Stage III improved to 7193 crores in Q2FY26 compared to 2764 crores in Q2FY25
- 12
Provision Coverage Ratio for Stage II assets improved to 76% in Q2FY26 from 63% in Q2FY25
- 13
HIFY26 Total Income at 274.10 crores compared to 324.65 crores in HIFY25
- 14
HIFY26 loan sanctioned at 71,255 crores compared to %500 crores in HIFY25
- 15
ROA (annualized) at 8.15% in HIFY26 compared to 2.92% in HIFY25
- 16
NIM on Earning Portfolio (annualized) at 4.63% compared to 3.94% in HIFY25
- 17
Gross Stage III assets down by 75% (to =193 crores in HIFY26 from %764 crores in HIFY25)
- 18
Net Stage III assets down by 83% (to 47 crores in HIFY26 from %283 crores in HIFY25)
Management Comments
J
We remain steadfast in our commitment to delivering consistent value to all our stakeholders, guided by the principles of transparency, accountability, and responsible growth. Our core focus continues to be on profitable expansion, operational excellence, and the development of innovative, customer-centric solutions aligned with our long-term sustainability vision. The quarter under review was one of significant transition and progress. We witnessed strong traction in our business portfolio, supported by improved asset quality and steady growth in loan sanctions and disbursement. This quarter marked a visible uptick in loan sanctions and disbursements, entry into the SME segment, and a significant and a meaningful improvement in asset quality. We are confident of sustaining the growth momentum in the next few quarters. While our AUM may exhibit short-term fluctuations due to prepayments and portfolio churn, we remain positive of achieving steady, high-quality growth over the medium term. Our strategy is anchored in building a well- diversified, low volatility portfolio, while creating long term value for our stakeholders.
Informational and educational content only. Not investment advice.