Poonawalla Fincorp has released its Asset Liability Management (ALM) statement for the quarter ended December 31, 2025. The report, submitted to the Reserve Bank of India, details the company’s structural liquidity position, outlining both outflows and inflows across various time buckets. Key components include capital, reserves, borrowings, and advances. This reporting is in accordance with disclosure requirements for listed commercial papers.
Structural Liquidity Overview
Poonawalla Fincorp presents its Asset Liability Management (ALM) report, offering insights into the company’s liquidity management as of December 31, 2025.
Key Outflows
Total outflows amounted to ₹6,057,754.08 Lakhs, distributed across different maturity periods. Significant components included:
Capital: ₹16,156.00 Lakhs, primarily consisting of Equity Capital.
Reserves & Surplus: ₹983,420.00 Lakhs, including Share Premium Account (₹708,760.00 Lakhs) and reserves under Sec 45-IC of RBI Act 1934 (₹92,650.00 Lakhs).
Borrowings: Totaled ₹4,728,601.99 Lakhs, with major contributions from Bank Borrowings (₹2,533,362.99 Lakhs) and Non-Convertible Debentures (NCDs) (₹1,374,005.00 Lakhs secured).
Current Liabilities & Provisions: ₹177,236.98 Lakhs, encompassing sundry creditors, expenses payable, and provisions for standard assets.
Other Outflows: ₹72,583.23 Lakhs.
Key Inflows
Total inflows also amounted to ₹6,057,754.08 Lakhs, covering various asset categories:
Balances With Banks: ₹30,557.00 Lakhs.
Investments: ₹145,586.00 Lakhs, majorly from listed investments.
Advances (Performing): ₹5,108,712.00 Lakhs, primarily interest to be serviced through regular schedule.
Gross Non-Performing Loans (GNPA): ₹78,520.02 Lakhs.
Other Assets: ₹672,446.06 Lakhs, inclusive of intangible assets and accrued income.
Mismatch Analysis
The ALM report highlights mismatches between inflows and outflows across different time bands. For instance, the 0 day to 7 days bucket shows a significant positive mismatch of ₹241,211.99 Lakhs. The cumulative mismatch is ₹0.00 Lakhs.
Source: BSE
