Poonawalla Fincorp Q3FY26 PAT Rises To ₹150 Crore

The Board of Directors of Poonawalla Fincorp Limited, a non-deposit taking systemically important NBFC, focusing on consumer and MSME finance, today announced its unaudited financial results for the quarter ending December 31, 2025.

Poonawalla Fincorp registered robust growth in AUM during the period with AUM at ₹55,017 crore, 77.6% YoY. NII grew by 60.6% YoY to ₹1,080 crore during the quarter.

Financial highlights for the quarter ended December 31, 2025:

➢         Assets Under Management (AUM) stood at ₹55,017 crore, up 77.6% YoY and 15.3% QoQ

➢         Secured to Unsecured on-book mix at 56:44

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

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

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

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

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

➢         NNPA stood at 0.80% in Q3FY26 vs 0.81% in Q2FY26

➢         Credit cost as a percentage to average AUM is at 2.62% in Q3FY26 vs 2.67% in Q2FY26

➢         Stage 1 Assets stood at 97.4% of on-book assets in Q3FY26 vs 97.1% in Q2FY26

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

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

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

➢         12 new AI projects have been added this quarter, bringing the total to 57 cutting-edge AI projects

Commenting on the results, Mr. Arvind Kapil, Managing Director and CEO, Poonawalla Fincorp, said,

“Our results mark a strong step-up in performance, reflecting disciplined execution and the strengthening of our core franchise. Profit after tax doubled quarter-on-quarter, driven by a 36.5% sequential increase in pre-provision operating profit. Return on assets improved to 1.2%, while moderation in credit costs underscores improving asset quality and risk outcomes. It is particularly encouraging to see our strategic investments delivering tangible gains across key financial metrics, reinforcing our confidence in the sustainability of this momentum”