• The document is a regulatory filing containing the transcript of an earnings call conducted on August 05, 2026, to discuss the company's Q1 FY 2026-27 (Q1 FY27) financial results. The event was an earnings conference call hosted for analysts and investors.
  • The call was held on August 05, 2026. A specific time was not mentioned in the provided transcript.
  • The stated purpose of the event was to discuss the company's quarterly results and provide a business update.
  • The meeting was scheduled after the earnings announcement, as it discusses the results for the quarter ended June 30, 2026.
  • The following management participants and their designations were provided:
  • Mr. Yashish Dahiya, Chairman & Group CEO, PB Fintech
  • Mr. Alok Bansal, Executive Vice Chairman, PB Fintech
  • Mr. Sarbvir Singh, Joint Group CEO, PB Fintech
  • Ms. Santosh Agarwal, CEO, Paisabazaar
  • Mr. Mandeep Mehta, Group CFO, PB Fintech
  • Mr. Mohit Khobragade, Head, Investor Relations, PB Fintech
  • The company disclosed that the transcript of the earnings call is available on its website at https://www.pbfintech.in/investor-relations/. No mention was made of a presentation deck, recording, or transcript being made available elsewhere.
  • The company included standard compliance language, stating the filing was made "pursuant to Regulation 30 of the SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015." There was no explicit statement that no Unpublished Price Sensitive Information (UPSI) was shared.
  • The financial period discussed was Q1 FY27 (Quarter ending June 30, 2026).
  • Key financial highlights from the call included:
  • Consolidated Operating Revenue: ₹1,888 Cr (40% YoY growth)
  • Consolidated PAT: ₹163 Cr (92% YoY growth)
  • PAT Margin: 9% (vs. 6% in Q1 FY26)
  • Total Insurance Premium: ₹8,372 Cr (41% YoY growth)
  • Core New Insurance Premium (ex-savings): 48% YoY growth
  • Renewal Revenue (LTM): ₹1,003 Cr (55% growth)
  • Total Credit Disbursals: ₹4,366 Cr (33% YoY growth)
  • PB Partners Quarterly Premium: ₹1,637 Cr (46% YoY growth)
  • PB Partners Revenue: ₹561 Cr (47% YoY growth)
  • UAE Insurance Premium: 31% YoY growth
  • Forward-looking statements and strategic themes explicitly referenced included:
  • An internal target for the PB Health business to achieve an annual run rate of ~₹500 Cr and break-even by March 2027.
  • A focus on growth (P1) over short-term efficiency.
  • The launch of a daily SIP platform on Paisabazaar in August 2026.
  • A strategy to reduce the top 100 partners' share of PB Partners premium from 16%.

Additional Notes Section

  • The document is an enclosure to a letter filed with the exchanges. The primary document is an intimation letter, and the enclosed item is the transcript (Encl.: A/a).
  • Financial data was extensively disclosed in the transcript, including all the figures listed in the main summary.
  • The transcript included a full Q&A session with analysts from firms including BofA, Motilal Oswal, Axis Capital, Nomura, and Bernstein.