Ptc India Financial Services Limited · NSE:PFS
Ptc India Financial Services — FY2026 Earnings Presentation
33 slides from Ptc India Financial Services's earnings presentation, May 5, 2026
Slide 1: Cover letter to stock exchanges on investor presentation
May 5, 2026 To BSE Limited National Stock Exchange of India Limited Phiroze Jeejeebhoy Towers, Dalal Street, Exchange Plaza, C-1, Block G, Bandra- Kurla Mumbai- 400001 Complex, Bandra (East), Mumbai- 400051 Scrip Code: 533344 Scrip Symbol: PFS Subject: Investors’ Presentation on the Financial Result
Slide 2: Q4 & Annual FY26 Investor Presentation
Q4 & ANNUAL FY26 INVESTOR PRESENTATION D May 2026
Slide 3: Table of Content
TABLE OF CONTENT 03. PFS Overview Key Performance 07. Highlights 04. Executive Summary 09. Business Overview 05. Shareholder Information 10. FY26 Highlights 06. Board of Directors 26. Financials
Slide 4: PFS Overview
PFS OVERVIEW RBI-classified Infrastructure Finance Company A subsidiary of PTC India Limited Incorporated in September 2006 (leader in domestic power trading market) Focus on sustainable financing by delivering Aim to be the most preferred financial partner comprehensive and innovative solutions acr
Slide 5: Executive Summary - FY26
EXECUTIVE SUMMARY - FY26 Empowering sustainable infrastructure transformation through agile, impact-oriented financing Focus Areas: 1. Electric Vehicle Mobility 2. Water Treatment Projects ₹3,292 Crores 3. Renewable Projects and allied activities Loan Assets for FY26 4. Power Transmission ₹319 Crore
Slide 6: Shareholder Information
SHAREHOLDER INFORMATION As on March 31, 2025 As on March 31, 2026 26.20% 26.26% 1.31% 1.58% 2.08% 64.99% 2.12% 1.78% 64.99% 1.41% 3.64% 3.64% PTC India Limited Mutual Funds PTC India Limited Mutual Funds Insurance Companies FPI (Category I + Category II) Insurance Companies FPI (Category I + Categor
Slide 7: Board of Directors
BOARD OF DIRCTORS Mr. Manoj Kumar Jhawar Mr. R. Balaji Mr. Rajiv Malhotra Mr. Dilip Srivastava Mr. Sanjeev Kumar Non-Executive Chairman MD & CEO Non-Executive Nominee Director (Finance) & CFO Director (Operations) CMD at PTC India Limited Business leader with 3 Director Ex-WTD & CFO (State PSU) 30+
Slide 8: Key Financial Metrics - Yearly Snapshot
KEY FINANCIAL METRICS- YEARLY SNAPSHOT TOTAL INCOME (IN ₹ CR) PAT (IN ₹ CR) DISBURSEMENTS (IN ₹ CR) 1,235 638 319 916 518 217 FY25 FY26 FY25 FY26 FY25 FY26 RETURN ON ASSETS (%) GROSS STAGE III (IN ₹ Cr) AUM (IN ₹ CR) 711 4,735 6.00 3,292 3.56 190 FY25 FY26 FY25 FY26 FY25 FY26 7
Slide 9: Key Financial Metrics - Quarterly Snapshot
KEY FINANCIAL METRICS- QUARTERLY SNAPSHOT TOTAL INCOME (IN ₹ CR) PAT (IN ₹ CR) DISBURSEMENTS (IN ₹ CR) 609 158 58 125 49 46 119 162 50 Q4 FY25 Q3 FY26 Q4 FY26 Q4 FY25 Q3 FY26 Q4 FY26 Q4 FY25 Q3 FY26 Q4 FY26 RETURN ON ASSETS (%) NET STAGE III (IN ₹ Cr) SANCTIONS (IN ₹ CR) 4.02 284 1,188 1,004 3.73 3.
Slide 10: Business Overview
BUSINESS OVERVIEW
Slide 11: Annual Highlights - Back to Growth
ANNUAL HIGHLIGHTS- BACK TO GROWTH FY26 - clear inflection point for the organization • CRISIL removed rating from 'Watch with Developing Implications’ and reaffirmed at CRISIL A (Negative)/A1 • Granular portfolio approach increasingly visible across disbursements and pipeline • Higher focus on sole
Slide 12: Annual Highlights Contd
ANNUAL HIGHLIGHTS CONTD….. • Expansion into newer infra segments • FY26 disbursements and sanctions at a three year high Disbursement (in ₹ Cr) Sanction (in ₹ Cr) 1,235 916 3,448 585 525 825 FY24 FY25 FY26 FY24 FY25 FY26 • 100% disbursements to private corporate borrowers, reinforcing strategic shif
Slide 13: Portfolio Break-up
PORTFOLIO BREAK-UP STATE UTILITIES VS NON-STATE UTILITIES AUM Break-Up (in %) Execution aligned with strategy- 100% of Q4 FY26 disbursements to 01 private corporates, underscoring management’s commitment 64% 59% 61% 60% 58% 56% 56% 59% Strong pipeline from private corporates, with over 90% of fresh
Slide 14: Private Sector Disbursement Trend
PRIVATE SECTOR DISBURSEMENT TREND Rolling 12-Month Disbursements (in ₹ Crores) 1,235 1,123 514 312 297 296 261 188 85 Q4 FY24 Q1 FY25 Q2 FY25 Q3 FY25 Q4 FY25 Q1 FY26 Q2 FY26 Q3 FY26 Q4 FY26 13
Slide 15: Annual Operational Performance
ANNUAL OPERATIONAL PERFORMANCE SECTOR-WISE OUTSTANIDNG FY25 FY26 7% 16% 7% 20% 23% 4% 12% 3% 13% 9% 41% 5% 7% 32% TOTAL- ₹ 4,735 Cr TOTAL- ₹3,292 Cr Renewable Sustainable Infra Transmission Renewable Sustainable Infra Transmission Road Distribution Thermal Road Distribution Thermal Other* Other* * O
Slide 16: Portfolio Break-up
PORTFOLIO BREAK-UP TRENDS IN GROSS Stage I, Stage II & Stage III 86% 80% 81% 81% 81% 12% 14% 14% 15% 9% 5% 5% 4% 6% 8% FY22 FY23 FY24 FY25 FY26 Gross Stage I Gross Stage II Gross Stage III Notes: Stage 3 (>90 DPD Assets) on Assigned portfolio is ₹ 190 crore as on 31st March 2026 and ₹ 7119 Crore on
Slide 17: Promises to Progress
PROMISES TO PROGRESS Most significant improvement in FY26 compared to FY25 - - 3 out of 4 accounts transitioned out of Gross Stage III Improve Asset Quality - - 73% of case in value out of Gross Stage III since FY25 - Granular portfolio approach increasingly visible across De-risk Portfolio by reduc
Slide 18: Promises to Progress Contd
PROMISES TO PROGRESS CONTD.. Fund-raising continues to gain momentum supported by: Resource diversification to build - robust liquidity position financial resilience - upward trend in both sanctions and disbursements Proactive measures undertaken to manage cost of funds Deliver customer centric fina
Slide 19: Blueprint for Future
BLUEPRINT FOR FUTURE Scaling with Strength: Driving Sustainable & Profitable Growth FY27 – Driving Profitable & Disciplined Growth 1. Build a Granular & Risk-Optimized Portfolio 2. Drive Profitable Growth & Capital Efficiency 3. Build on Sunshine & Distributed Infrastructure 4. Shift Portfolio Mix T
Slide 20: Transformational Pillars
TRANSFORMATIONAL PILLARS 01 Stringent Underwriting Parameters & Resilient Business Model 02 Granular Lending & Diversified Book 03 Asset Quality 04 Robust and well structured ALM 05 Sustainability and ESG focus HIGH QUALITY TEAM 19
Slide 21: Pillar 1: Rigorous Standards, Robust Business Model
PILLAR 1: RIGOROUS STANDARDS, ROBUST BUSINESS MODEL Robust credit appraisal Seamless operational Maintain adequate liquidity management system and risk management system and focus on processes cash flow generation Systems for effective Enhanced focus on Early monitoring of compliance of Warning Sign
Slide 22: Pillar 2: Granular Lending and Diversified Book
PILLAR 2: GRANULAR LENDING AND DIVERSIFIED BOOK Thrust on distributed infrastructure Leverage on long Standing Relationship • Smaller ticket sizes at origination with Existing Project Developers • Reduce concentration risk • Forge partnerships to enhance • Preferred financial partner market reach •
Slide 23: Pillar 3: Thrust on Enhancing Asset Quality
PILLAR 3: THRUST ON ENHANCING ASSET QUALITY In ₹ Crores Significant improvement in asset quality in FY26; Gross Stage III 01 reduced by over 73% in the past one year 15.02% 14.25% 1,353 13.75% 02 Improvement in asset quality driven by recoveries 12.20% 12.16% 1,056 1,009 03 Provision Coverage Ratio
Slide 24: Pillar 4: Robust and Well Structured ALM
PILLAR 4: ROBUST AND WELL STRUCTURED ALM Structured Liquidity Statement as on March 31, 2026 Liquidity Coverage Ratio In ₹ Crores 443 553 1,339 1,646 455% 4,191 323% 2,883 252% 2,545 181% 1,436 1,544 116% 887 883 122% 444 Upto 3M Upto 6M Upto 1Y Upto 3Y FY21 FY22 FY23 FY24 FY25 FY26 Cumulative Total
Slide 25: Healthy Capital Base
HEALTHY CAPITAL BASE 3,080 39% 2,754 32% 2,539 2,443 2,264 2,120 23% In ₹ Crores 12% 10% 2% FY21 FY22 FY23 FY24 FY25 FY26 Networth Net Stage III/Networth 24
Slide 26: Pillar 5: Sustainability and ESG Focus
PILLAR 5: SUSTAINABILITY AND ESG FOCUS • Focus on Green & • CSR initiatives of the • Board independence and SOCIAL ENVIRONMENTAL GOVERNANCE Sustainable company are in line with diversity Finance philosophy • Disclosure practices: • Integrated ESMS • Established Mobility BRSR/ Sustainability into cre
Slide 27: Financials
PIS FINANCIALS (Classification: Confidential
Slide 28: Key Balance Sheet Indicators
KEY BALANCE SHEET INDICATORS Q4 FY26 Q3 FY26 Q4 FY25 Particulars FY26 FY 25 1,004 1,188 100 Loan Sanctioned (₹ Cr) 3,448 825 162 609 50 Loan Disbursed (₹ Cr) 1,235 916 3,292 3,503 4,735 Loan Assets (₹ Cr)* 3,292 4,735 66.63 71.21 59.65 Capital Adequacy Ratio (%) 66.63 59.65 * Includes loan, loan con
Slide 29: Results Overview
RESULTS OVERVIEW Q4 FY26 Q3 FY26 Q4 FY25 Particulars FY26 FY 25 119 125 158 Total Income (₹ Cr) 518 638 62 64 75 Profit before tax (₹ Cr) 390 279 Tax expense (₹ Cr) 16 15 17 70 61 (including deferred tax) 46 49 58 Profit after tax (₹ Cr) 319 217 65 52 74 Net Interest Income (₹ Cr) 246 301 0.71 0.76
Slide 30: Key Operational Indicators
KEY OPERATIONAL INDICATORS Q4 FY26 Q3 FY26 Q4 FY25 Particulars FY26 FY 25 Net Interest Margin (%) 4.75 3.80 4.68 4.49 4.25 (Stage 1 + Stage 2 loans only) 14.78 20 13.33 Cost to Income Ratio (%) 16.84 13.93 0.57 0.66 1.03 Debt Equity Ratio (Times) 0.57 1.03 6.24 6.78 8.54 Return on Net worth (%)* 10.
Slide 31: Profitability
PROFITABILITY Profit After Tax (PAT) Earnings Per Share In ₹ Crore In ₹ 319 4.97 217 3.38 176 2.74 161 2.5 130 2.02 FY22 FY23 FY24 FY25 FY26 FY22 FY23 FY24 FY25 FY26 30
Slide 32: Yield on Assets and Cost of Funds
YIELD ON ASSETS AND COST OF FUNDS 11.27% 11.08% 11.23% 10.57% 10.29% 9.69% 9.67% 9.49% 9.45% 9.37% 1.58% 1.41% 1.74% 1.12% 0.92% Q4 FY25 Q1 FY26 Q2 FY26 Q3 FY26 Q4 FY26 Yield on Assets Cost of funds Spread *Yield on Earning portfolio (Stage 1 + Stage 2 loans) Prioritizing high-quality private sect
Slide 33: Thank You
Thank You Priya Chaudhary – VP (Investor Relation) Email: priya.chaudhary@ptcfinancial.com PTC India Financial Services Ltd 7th Floor Telephone Exchange Building, 8 Bhikaji Cama Place, New Delhi - 110 066 INDIA Fax: +91 11 26737373 / 26737374 Email: info@ptcfinancial.com 32
PTC India Financial Services — FY2026 Earnings Presentation on 6ix