• AUM stood at ₹60,348 crore
  • PAT growth of 69.6% QoQ to ₹255 crore

India : The Board of Directors of Poonawalla Fincorp Limited, a non-deposit taking systemically important NBFC, focusing on consumer and MSME finance, today announced its audited financial results for the quarter and year ending March 31, 2026.

Poonawalla Fincorp reported AUM of ₹60,348 crore. NII grew by 78.5% YoY to ₹1,276 crore during the quarter.

Financial highlights for the quarter ended March 31, 2026:

  • Assets Under Management (AUM) stood at ₹60,348 crore
  • Secured to Unsecured on-book mix at 54:46
  • Net Interest Income (inc. fees and other income) at ₹1,276 Crore, up 78.5% YoY
  • Net Interest Margin (NIM) (inc. fees and other income) at 9.05% in Q4FY26 vs 8.62% in Q3FY26, improved 43 bps QoQ
  • PPoP of ₹695 crore, up 108.7% YoY in the quarter ended March 31, 2026
  • PAT of ₹255 crore in Q4FY26 vs ₹150 Crore in Q3FY26
  • Stable asset quality: GNPA stood at 1.44% in Q4FY26 vs 1.51% in Q3FY26
  • NNPA stood at 0.74% in Q4FY26 vs 0.80% in Q3FY26
  • Credit cost as a percentage to average AUM is at 2.51% in Q4FY26 vs 2.62% in Q3FY26
  • Stage 1 Assets stood at 97.5% of on-book assets in Q4FY26 vs 97.4% in Q3FY26
  • Capital Adequacy Ratio at 16.83% (Tier-1 at 15.90%) as on March 31, 2026, well above the regulatory requirement of 15%. Following the successful ₹2,500 Cr capital raise through QIP, simulated Capital adequacy ratio is 20.74% basis March 2026 balance sheet, providing enough headroom for growth
  • Liquidity buffer stood at ₹7,590 crore as of March 31, 2026
  • Cost of Borrowing at 7.63% for this quarter, 2 bps lower than Q3FY26
  • 19 new AI projects have been added this quarter, bringing the total to 76 cutting-edge AI projects, of which 42 projects have been successfully implemented

Commenting on the results, Mr. Arvind Kapil, Managing Director and CEO, Poonawalla Fincorp, said, “We have reached a pivotal inflection point in our growth trajectory. By simultaneously expanding our yields and optimizing our operating architecture, we are seeing a powerful expansion in incremental NIMs. With credit costs trending lower and Opex-to-AUM decoupling, the business is now primed for high-quality, sustained profitability. Even as this operating leverage kicks in, we remain committed to strategic investments this fiscal year, ensuring our current momentum translates into a long-term, healthy, and durable earnings model.”