Poonawalla Fincorp’s Q3FY26 investor presentation highlights strong AUM growth at 78% YoY. The company reported a ₹150 Cr PAT, a 102.5% QoQ increase. Investments in branches and tech have bolstered new product incubation. Asset quality improved, with an 8 bps reduction in Gross NPA. The company is focused on sustainable, predictable, and productive growth, aiming for ~35-40% CAGR in AUM.
Key Financial Performance
Poonawalla Fincorp showcased significant financial achievements in their Q3FY26 investor presentation. Key highlights include:
- AUM Growth: Strong growth at 78% YoY
- Net Interest Income (NII): Reported at ₹1,080 Cr
- Profit After Tax (PAT): Substantial increase to ₹150 Cr
Capital and Leverage
The company’s financial strategy includes robust capital management:
- Raised ₹1,500 Cr from Promoters during Q2FY26.
- Aims to grow AUM at a ~35-40% CAGR over the next few years.
- Plans to raise up to ₹5,500 Cr to support growth aspirations.
Business Updates and New Products
Poonawalla Fincorp has expanded its product offerings and distribution network:
- New products disbursement contributed 20% to total disbursement in Q3FY26.
- The company has launched multiple new products, including PL Prime, Gold Loan, and Consumer Durable Loan.
- Expanded distribution reach with 294+ branches.
Asset Quality and Efficiency
Improvements in asset quality and operational efficiency were also noted:
- Gross NPA reduced by 8 bps.
- Opex to AUM at 4.4%, despite ongoing investments.
Vision and Digital Transformation
Poonawalla Fincorp is focusing on digital and AI-driven strategies to enhance its operations:
- Employing 57 AI solutions to transform functions and improve risk efficiency.
- Building an industry-first digital journey available 24×7.
Source: BSE
