Poonawalla Fincorp announced robust financial performance for the quarter ended December 31, 2025 (Q3FY26). Assets Under Management (AUM) grew by 77.6% YoY to ₹55,017 crore. Profit After Tax (PAT) witnessed a significant increase of 102.5% QoQ, reaching ₹150 crore. The company highlighted disciplined execution and strengthening of its core franchise as key drivers.
AUM Growth and Portfolio Mix
Poonawalla Fincorp reported Assets Under Management (AUM) of ₹55,017 crore, reflecting a substantial growth of 77.6% YoY and 15.3% QoQ. The on-book mix of secured to unsecured loans stood at 56:44.
Profitability and Income
Net Interest Income (including fees and other income) reached ₹1,080 Crore, up by 60.6% YoY. Net Interest Margin (NIM) (including fees and other income) was reported at 8.62% in Q3FY26 compared to 8.40% in Q2FY26.
Pre-Provision Operating Profit (PPoP) stood at ₹528 crore, a 41.5% increase compared to the same quarter last year. Profit After Tax (PAT) reached ₹150 crore in Q3FY26, significantly higher than the ₹74 Crore reported in Q2FY26.
Asset Quality and Capital Adequacy
The company maintained stable asset quality. Gross Non-Performing Assets (GNPA) stood at 1.51% in Q3FY26, slightly lower than the 1.59% reported in Q2FY26. Net Non-Performing Assets (NNPA) were at 0.80% in Q3FY26 compared to 0.81% in Q2FY26.
The credit cost, as a percentage of average AUM, was 2.62% in Q3FY26 versus 2.67% in Q2FY26. Stage 1 Assets represented 97.4% of on-book assets in Q3FY26, compared to 97.1% in the previous quarter.
The Capital Adequacy Ratio was reported at 18.17% (Tier-1 at 17.15%), which is well above the regulatory requirement of 15%.
Liquidity and Borrowing Costs
Liquidity buffer stood at ₹6,488 crore as of December 31, 2025. The Cost of Borrowings for the quarter was 7.65%, a decrease of 4 bps compared to Q2FY26.
AI Projects
Poonawalla Fincorp has added 12 new AI projects this quarter, bringing the total to 57 cutting-edge AI projects.
Management Commentary
Mr. Arvind Kapil, Managing Director and CEO, stated that the results demonstrate a strong improvement in performance, reflecting disciplined execution and a strengthened core franchise. He highlighted the doubling of profit after tax quarter-on-quarter and the positive impact of strategic investments.
Source: BSE
