Poonawalla Fincorp Limited – Investor Presentation Summary

Key Operational Highlights

  • Strong AUM growth with healthy momentum across all retail products
  • New products contributed 18% to AUM and 28% to total disbursement in Q2FY27
  • New products include PL Prime, Gold Loan, Consumer Durable Loan, Commercial Vehicle Loan, Education Loan & Shopkeeper Loan
  • Successfully expanded Gold loan branches to 550 as on date to strengthen distribution reach
  • Omni-channel sourcing mix with DSA, digital, tele-calling & in-house sales team
  • Secured on-book mix at 52%

Key drivers of operational performance

  • Scaling of new products across consumer and commercial lending
  • Expanded physical distribution: 400 branches and 12,500+ consumer-durable retailers, 900+ channel partners in CV, and over 500 counsellor partners in education loans
  • Digital & AI adoption: 30–35% of Prime PL disbursements are fully digital

Segment-wise Performance

Not Specified

Financial Highlights

Revenue: Not explicitly stated

NII (includes fees and other income): ₹1,589 crore in Q2FY27 (₹1,415 crore in Q1FY27)

EBITDA: Not explicitly stated

PAT: ₹375 crore in Q2FY27 (21.8% increase from ₹308 crore in Q1FY27)

EPS: Not specified

Margins: RoA improved to 2.18% for Q2FY27

YoY/QoQ comparison: PAT increased 21.8% QoQ; NII grew by 75.6% YoY

Drivers of financial performance: Strong operating leverage and disciplined execution; PPOP expanded by 11.8% QoQ

Comparison to market estimates: Not specified

Key Risks: Disclosed risks include fluctuations in earnings, ability to manage growth, competition, economic conditions, changes in law, compliance with capital adequacy norms, fluctuations in collateral value, management of NPAs, fraud, interest rate volatility

Geographical Revenue Split

Domestic vs Export/Regional Revenue: Not Specified

Balance Sheet Snapshot

Net Debt/Equity: Debt to equity ratio stands at 4.30x as on 30th September 2026

Reserves: ₹13,527 crore as of September 30, 2026 (₹12,885 crore as of June 30, 2026)

Current Assets/Liabilities: Not specified

Working Capital/Leverage Metrics: Total borrowings stood at ₹58,865 crore as of September 30, 2026

Financial Health Insights: Liquidity stood at ₹6,526 crore, comprising cash, cash equivalents and undrawn bank lines

Capex & Cash Flow Health

Capital Expenditure: Not specified

Free Cash Flow: Not specified

Operating Cash Flow: Not specified

Net Debt Movement: During Q2FY27, raised ₹2,265 Cr through NCD (including Sub-debt NCD)

Investment Rationale: Ongoing Investment in Collections & Tech Infrastructure

Strategic & R&D Initiatives

Investments in Innovation: 42 of 76 AI use cases delivered; Scaling AI-powered consumer ecosystem with hyperpersonalization, recommendations and optimized customer engagement

Expected impact on growth: Aspiration for 5-6x AUM over next 5 years

Strategic Rationale: Build an at-scale consumer franchise with superior engagement and retention; Scale priority businesses including Consumer Durables franchise, Gold Loan network expansion and digital Business Loans

Industry Trends & Business Environment

Macro/Industry Trends: Not specifically addressed beyond general risk factors

Impact on Company: Not specifically addressed

Management Commentary & Growth Outlook

Strategic Outlook: "To be the Most Trusted Financial Services brand" and "To help our customers succeed financially"

FY Guidance: Target to grow AUM at ~35-40% CAGR over the next couple of years

Market Share Targets: Not specified

Risks and Opportunities: Various risks highlighted including economic conditions, regulatory changes, competition, interest rate volatility

ESG Updates

  • Head office operates from a Platinum-certified Green Building with energy-efficient infrastructure
  • Procured renewable energy from Maharashtra State Electricity Board for corporate office
  • Implemented energy efficiency upgrades including LED lighting and appliance retrofits
  • Environment restoration through Tree Planting Initiative – more than 4000 trees planted in FY 2025-26
  • Community initiatives through Green Help Foundation and Angel Charitable Trust focusing on women & child health, education, skill development
  • Supported IIT Bombay Breakthrough Research Initiative in Life Sciences & Bioengineering
  • Strong governance framework with emphasis on financial integrity, ethical conduct, transparency, and trust