Key Financial Metrics - Q1 FY27

Income Statement:

  • Total Income: ₹103.31 Cr
  • Profit before tax: ₹54.25 Cr
  • Tax expense (including deferred tax): ₹14.01 Cr
  • Profit after tax: ₹40.24 Cr
  • Net Interest Income: ₹48.71 Cr
  • Earnings Per Share: ₹0.63

Balance Sheet & Ratios:

  • Loan Assets: ₹2,946 Cr (includes loan, loan converted debenture, interest accrued and IND AS adjustments)
  • Capital Adequacy Ratio: 68.91%
  • Net Interest Margin: 4.46% (Stage 1 + Stage 2 loans only)
  • Cost to Income Ratio: 19.89%
  • Debt Equity Ratio: 0.49 Times
  • Return on Net worth: 5.19% (annualized)
  • Return on Assets: 3.31% (annualized)

Operational Metrics:

  • Loan Sanctioned: Not provided for Q1 FY27 (Q4 FY26: ₹1,004 Cr, Q1 FY26: ₹206 Cr, FY26: ₹3,448 Cr)
  • Loan Disbursed: ₹117 Cr (Q4 FY26: ₹162 Cr, Q1 FY26: ₹138 Cr, FY26: ₹1,235 Cr)

Comparative Performance

Quarterly Comparison (Q1 FY27 vs Q4 FY26 vs Q1 FY26):

  • Loan Assets: ₹2,946 Cr vs ₹3,292 Cr vs ₹4,313 Cr
  • Capital Adequacy Ratio: 68.91% vs 66.63% vs 64.96%
  • Total Income: ₹103.31 Cr vs ₹119.11 Cr vs ₹142.24 Cr
  • Profit after tax: ₹40.24 Cr vs ₹45.50 Cr vs ₹136.63 Cr

Credit Rating Update

CRISIL removed the company rating from 'Rating Watch with Developing Implications' and reaffirmed it at CRISIL A (Negative).

Business Overview & Strategy

Leadership Transition:

  • Mr. Rajiv Malhotra appointed as MD & CEO (Addl. Charge) with over 35 years of experience in power and infrastructure sector
  • Mr. Manoj Kumar Jhawar continues as Non-Executive Chairman (MD & CEO at PTC India Limited)

FY27 Growth Strategy:

1. Leverage PFS's core infrastructure financing capabilities

2. Pursue infrastructure opportunities across loan sizes and value chain

3. Drive disciplined and sustainable loan book growth

4. Expand lending across Private, PSU and Government entities

5. Deepen sector specialization and structured financing capabilities

6. Broaden funding sources and optimize capital deployment

7. Balance data-driven analytics with experiential judgment

8. Committed to advancing ESG-led sustainable infrastructure financing

Portfolio Composition:

  • Sector-wise outstanding includes Renewable Energy, Thermal Power, Transmission, and Other sectors (port, manufacturing, mining)
  • Sustainable Infrastructure includes Water treatment and E-Mobility

Shareholding Pattern

  • PTC India Limited: 64.99%
  • Domestic Institutional Investor: 5.05%
  • FPI (Category I + Category II): 2.03%

Board of Directors

  • Mr. Manoj Kumar Jhawar - Non-Executive Chairman
  • Mr. Rajiv Malhotra - MD & CEO (Addl. Charge)
  • Mr. Manas R. Mohanty - Independent Director
  • Ms. Mini Ipe - Independent Director (Ex-RBI official, Ex-MD of Life Insurance Corporation of India)
  • Ms. Rashmi Verma - Independent Director (Retired IAS, 36+ years experience)
  • Mr. P RAMANA MURTHY - Independent Director (Seasoned banker with 32+ years experience)
  • Mr. Dilip Srivastava - Director (Finance) & CFO (Former WTD & CFO of large state PSU, 30 years experience)
  • Mr. Sanjeev Kumar - Director (Operations (30+ years experience in corporate, retail, construction and infrastructure financing)

Sustainability and ESG Focus

  • Focus on Green & Sustainable Finance
  • Integrated ESMS into credit due diligence
  • Gender diversity & equal opportunity initiatives
  • Equal pay for equal work policy
  • Employee well-being & inclusive workplace programs
  • CSR & community development activities
  • Crop residue management and water conservation initiatives
  • Community plantation for carbon footprint reduction
  • Robust whistleblower & vigil mechanism