Poonawalla Fincorp reported AUM of ₹74,008 crore. RoA strengthened to 2.18%, Credit cost at 2.19%, a reduction of 21 bps and NII grew by 12.3% QoQ to ₹1,589 crore during the quarter.
Financial highlights for the quarter ended September 30, 2026:
➢ Assets Under Management (AUM) stood at ₹74,008 crore
➢ PAT at ₹375 crore in Q2FY27 vs ₹308 Crore in Q1FY27
➢ Net Interest Margin (NIM) (inc. fees and other income) at 9.26% in Q2FY27 vs 9.10% in Q1FY27, improved 16 bps QoQ
➢ Return on Assets (RoA) stood at 2.18% in Q2FY27 vs 1.98% in Q1FY27 and 1.81% in Q4FY26
➢ Credit cost as a percentage to average AUM is at 2.19% in Q2FY27 vs 2.40% in Q1FY27
➢ Asset quality: GNPA stood at 1.20% in Q2FY27 vs 1.37% in Q1FY27
➢ NNPA stood at 0.61% in Q2FY27 vs 0.70% in Q1FY27
➢ Net Interest Income (inc. fees and other income) at ₹1,589 Crore, up 12.3% QoQ
➢ PPoP at ₹877 crore, up 11.8% QoQ in the quarter ended September 30, 2026
➢ Secured to Unsecured on-book mix at 52:48
➢ Stage 1 Assets stood at 97.9% of on-book assets in Q2FY27 vs 97.6% in Q1FY27
➢ Capital Adequacy Ratio at 18.68% (Tier-1 at 17.15%) as on September 30, 2026, well above the regulatory requirement of 15% providing enough headroom for growth
➢ Liquidity buffer stood at ₹6,526 crore as of September 30, 2026
➢ Cost of Borrowing at 7.76% for this quarter, 4 bps higher than Q1FY27
➢ 42 new AI projects have been added this quarter, bringing the total to 143 cutting-edge AI projects, of which 84 projects have been successfully implemented
Arvind Kapil, Managing Director and CEO, Poonawalla Fincorp, said, “This quarter marks a decisive inflection point in establishing a highly resilient, self-sustaining earnings engine through simultaneous, structural improvements across our four core performance vectors. We have delivered disciplined AUM expansion while enriching total realizations via NIM and fee income optimization, demonstrating strong pricing power across core and newly incubated verticals. Concurrently, continuous asset quality refinement has driven credit costs lower from an already formidable baseline, translating directly into a structural lift in our Return on Assets (RoA). Accelerated by our rapidly maturing proprietary AI layer, these foundational, cross-vector gains reinforce the compounding power and long-term sustainability of our franchise.”
