Poonawalla Fincorp Limited · NSE:POONAWALLA
Poonawalla Fincorp — Q4 FY26 Earnings Presentation
45 slides from Poonawalla Fincorp's earnings presentation, May 5, 2026
Slide 1: Exchange filing cover letter for Investor/Analysts' Presentation
May 5, 2026 BSE Limited National Stock Exchange of India Limited Corporate Relationship Department The Listing Department, 25th Floor, Phiroze Jeejeebhoy Towers, Exchange Plaza, Dalal Street, Fort, Bandra- Kurla Complex, Bandra (East), Mumbai - 400 001. Mumbai - 400 051. BSE Scrip Code: 524000 NSE S
Slide 2: Q4FY26 Investor Presentation
Enable your dream with….. Prime Personal Gold Loan Loan Consumer Education Durable Loan Loan Commercial Shopkeeper Vehicle Loan Loan Q4FY26 Investor Presentation May 05, 2026 Sustainable | Predictable | Productive
Slide 3: Disclaimer
Disclaimer This presentation and the accompanying slides have been prepared by Poonawalla Fincorp Ltd. solely for informational purposes. They do not constitute an offer, recommendation, or invitation to purchase or subscribe for any securities. Furthermore, they should not be relied upon as the bas
Slide 4: Table of Contents
Table of Contents 1 Key Highlights 2 Business Overview 3 Financial Overview 4 AI and Digital Strategy Board of Directors, Management Team, Human Resource, 5 ESG and Awards
Slide 5: 1. Key Highlights
POONAWALLA FINCORP POONAWALLA, FINCORP. INTRODUCING THE SAFEST & FASTEST WAY TO GET FUNDS 1. Key Highlights
Slide 6: Q4FY26 - Financial Highlights
Q4FY26 - Financial Highlights Robust performance across parameters AUM NII PPoP PAT ▪ Strong AUM growth with healthy momentum across all retail products, new products contributed 14% to AUM ▪ PAT increased 69.6% QoQ to ₹255 Cr in Q4FY26 from ₹150 Cr in Q3FY26 ₹60,348 Cr ₹1,276 Cr ₹695 Cr ₹255 Cr ▪ S
Slide 7: Capital Augmentation
Capital Augmentation Leverage (Debt to Equity) 4.67x ▪ Raised ₹2,500 Cr Via Qualified Institutional 4.25x Placement in April-26 3.72x 3.64x ▪ Post capital raise basis March 2026 balance 3.19x sheet the proforma debt to equity ratio would stand at 3.78x ▪ We seek to continue growing our AUM at ~35- 4
Slide 8: Q4FY26 - Business Update
Q4FY26- Business Update Healthy traction in new launched businesses PL Prime ▪ Healthy average monthly disbursement of ~₹440 crore in Q4FY26 ▪ Peaked at an impressive ₹468 crore in March-26 ▪ Gold loan operations are now live in 400 branches spread across Gujarat, Haryana, Rajasthan, Maharashtra, Pu
Slide 9: 2. Business Overview
POONAWALLA FINCORP INTRODUCING THE SAFEST & FASTEST WAY TO GET FUNDS 2. Business Overview
Slide 10: Our Vision and Mission
Our Vision and Mission To be the Most Trusted Financial Services brand ➢ Trust: Denotes legacy and brand promise Vision ➢ Financial Services: Holistic term that broadly defines the current and future business expansion To help our customers succeed financially, and our values guide everything we do:
Slide 11: Engine powering our growth for sustainable profitability
Engine powering our growth for sustainable profitability Risk management integrated into Increased customer strategy, with a 360° Reinforced corporate acquisition, scale, and view embedded in governance at every decision-making & efficiency, streamlining aligned with growth level of operations, oper
Slide 12: Sustainable, Predictable and Productive business
Sustainable, Predictable and Productive business We are now in our scale phase Scale (FY27 onwards..) ▪ Building towards an at-scale consumer franchise with superior Expand (FY26) engagement and retention ▪ Consumer Durables franchise ▪ All products were launched as per targeted to grow over 2x FY25
Slide 13: Well diversified product portfolio (1/2)
Well diversified product portfolio (1/2) New Products AUM Ticket size Disb. yield Products % of AUM Tenure Customer segment Sourcing channel (₹ crore) range range Prime Salaried customers of Omni-channel - Physical Personal 4,802 8% ₹1L– ₹75L 12 - 84M 13-16% top corporates + Digital distribution Loa
Slide 14: Well diversified product portfolio (2/2)
Well diversified product portfolio (2/2) Existing Products AUM Ticket size Disb. yield Products % of AUM Tenure Customer segment Sourcing channel (₹ crore) range range Instant Consumer Salaried & Self- Digital partnership/ 11,197 19% ₹50K – ₹5L 6- 36M 22-29% Loan employed customers Organic led Loan
Slide 15: Cost-efficient phygital distribution model
Cost-efficient phygital distribution model Blending digital-first and speed with the trust of local presence Call Channel Branches FOS centers partners PHYSICAL 500+ 2210+ 6 2700+ Website traffic App Social media 7.5mm DIGITAL 10mm+ 1.05mm (Mar-26) downloads Partnerships & Digital Aggregators OTHER
Slide 16: Leveraging data analytics
Leveraging data analytics Application across Product & Credit lifecycle 1 2 3 4 5 6 Prospect Acquisition Pre-Sourcing Acquisition Fraud Control Post Sourcing Collections Application Models Behavioural Score Early Bucket Models Market Insights Identify Theft Storage Multi-Bureau Cross Sell Models Cha
Slide 17: Risk Management integrated into the strategy
Risk Management integrated into the strategy Comprehensive risk management framework GE M E N T A R C HI T ANA E CT Risk Management Strategy KM UR R IS E Focus on Retail Creating a granular retail loan portfolio with low concentration risk Lending and prudent mix of secured and unsecured offerings C
Slide 18: Adopting a digital and data driven approach in Collections
Adopting a digital and data driven approach in Collections Leveraging Technology, Analytics and AI 1 2 3 Use of Technology and driving Application of Analytics & AI – Transforming into operational adoption across the optimal use of structured & efficiencies & enhancing frontline teams unstructured d
Slide 19: 3. Financial Overview
POONAWALLA FINCORP FINCORP. INTRODUCING THE SAFEST & FASTEST WAY TO GET FUNDS 3. Financial Overview
Slide 20: Summary Financials
Summary Financials Solid foundation for market-leading profitable growth Assets under Management Net Interest Income Cost to Income ratio & Opex ratio ₹ crore ₹ crore 4.76% 4.80% 4.81% 4.41% 4.13% 78.5% YoY 1,276 57.7% 69.4% YoY 60,348 57.3% 55,017 1,080 53.4% 51.1% 47,701 41,273 905 45.6% 35,631 71
Slide 21: Composition of Borrowings
Composition of Borrowings Diversified liability profile ▪ Total borrowings as on March 31, 2026, at ₹48,098 crore. Diversified borrowings across instruments and institutions ▪ During FY26, raised ₹13,830 Cr through NCD (including Sub-debt NCD) to increase the proportion of long-term borrowings | NCD
Slide 22: Optimizing Cost of Borrowing
Optimizing Cost of Borrowing Reduction in cost of borrowing along with enhanced diversification 8.07% 8.1% 8.04% 7.69% 7.65% 7.63% 7.6% 7.1% Q4FY25 Q1FY26 Q2FY26 Q3FY26 Q4FY26 21
Slide 23: ALM statement and Liquidity
ALM statement and Liquidity Structural Liquidity Statement as on March 31, 2026 Liquidity as on March 31, 2026, stood at ₹7,590 crore in the form of cash, cash equivalents and undrawn bank lines Cumulative inflows (₹ crore) Cumulative outflows (₹ crore) 66,670 66,670 53,848 55,086 48,345 46,030 27,4
Slide 24: Credit Rating
Credit Rating Highest rating - AAA Long-term Ratings* Short-term Ratings** CRISIL Ratings CARE Ratings CRISIL Ratings CARE Ratings Q4FY26 AAA/Stable Q4FY26 A1+ *Long-term rated instruments includes Bank Facilities, NCD and Subordinated Debt | **Short-term rated instrument includes Commercial Paper 2
Slide 25: Net Interest Income (NII) and Operating Expense
Net Interest Income (NII) and Operating Expense Healthy growth in net interest income; Opex to Average AUM improved QoQ NII (₹ crore) Opex to Average AUM ratio 5.00% +78.5% YoY 1,080 1,276 4.80% 905 4.80% 4.81% 715 768 4.60% 4.76% 4.40% 4.20% 4.41% 4.00% 4.13% 3.80% Q4FY25 Q1FY26 Q2FY26 Q3FY26 Q4FY2
Slide 26: Asset Quality Trend
Asset Quality Trend Improved Gross NPA; Adequately provisioned ➢ Improved Asset Quality with 7 bps lower GNPA at 1.44%; NNPA at 0.74% ➢ PCR stands at 49% ➢ Credit cost as a percentage to average AUM has improved to 2.51% GNPA and NNPA Particulars (₹ crore) Mar-25 Jun-25 Sep-25 Dec-25 Mar-26 Stage 1
Slide 27: Credit by design
Credit by design New Acquisition Portfolio Quality • For retail products, 6 MoB 30+% (Month-on-Book) has 6.74% shown consistent improvement across consecutive quarters • Portfolio growth remains calibrated through a credit-first framework, supporting stronger portfolio performance and improved early
Slide 28: Profitability
Profitability Building new businesses for sustainable, predictable and profitable growth PPoP (₹ crore) PBT and PAT (₹ crore) 400 109% YoY 341 695 300 528 255 387 200 333 325 200 150 83 99 100 80 63 74 62 0 Q4FY25 Q1FY26 Q2FY26 Q3FY26 Q4FY26 Q4FY25 Q1FY26 Q2FY26 Q3FY26 Q4FY26 PBT PAT RoA 1.81% 1.20%
Slide 29: Profit & Loss Statement
Profit & Loss Statement ₹ crore Q4FY25 Q3FY26 Q4FY26 Total Interest Income 1,068 1,660 1,894 Interest expenses 458 739 844 Net Interest Income (NII) 610 921 1,050 Cross sell Income 36 70 72 Servicing Income 34 47 67 Other Income 7 0 9 Net gain on derecognition of financial instruments 27 41 78 NII (
Slide 30: Balance Sheet
Balance Sheet ₹ crore Mar-25 Dec-25 Mar-26 Cash & Bank Balances 32 306 294 Receivables 19 42 38 Loans 32,695 51,107 55,951 Investments 1,256 1,456 2,490 Other Financial Assets 185 406 677 Non-Financial Assets 707 817 770 Total Assets 34,894 54,132 60,221 Borrowings 25,881 42,498 48,098 Other Liabili
Slide 31: 4. AI and Digital Strategy
POONAWALLA FINCORP INTRODUCING THE SAFEST & FASTEST WAY TO GET FUNDS 4. AI and Digital Strategy
Slide 32: AI-Solutions transforming our functions
AI-Solutions transforming our functions Improving Risk efficiency, Higher Productivity and Enhancing Customer experience 76 AI-Solutions | 42 Successfully Delivered and 34 Underway Functions HR -12 Customer Service-7 Analytics-1 IT-3 Credit & Risk -10 Projects 1. AI-led Talent Acquisition 1.Quality
Slide 33: Capabilities evolved for scale
Capabilities evolved for scale Quantum Talent 250+ 29mn+ 400+ Data / Application Tech Average No. API calls per API’s Engineers/ Infra / IT month Governance Analytics 50+ 5000+ AI/ML Models deployed Features Analysed 50+ Data Scientist/ AI/ LLM Engineers/ Analyst ++ IIT – Strategic 30+ Partnership 1
Slide 34: 5. Board of Directors, Management Team, Human Resource, ESG and Awards
5. Board of Directors, Management Team, Human Resource, ESG and Awards
Slide 35: Board of Directors
Board of Directors Commanding the course with the best governance standards Mr. Vikas Pandey Mr. Sunil Samdani Executive Director Executive Director Mr. Adar Poonawalla Mr. Arvind Kapil Chairman & Non-Executive Managing Director & CEO Director Served as HDFC Bank’s Group CEO of the Serum Institute o
Slide 36: Deeply experienced management team
Deeply experienced management team Leading the next phase of growth Arvind Kapil Vikas Pandey Shriram Veeraraghavan Bholananda MD & CEO Sanjay Harsh Bhaskar ED & Sunil Samdani Iyer lyer Behera Nitin Sane Salil Hajarnis CBO – Consumer ED Miranka Kumar Pandey Chief Internal Auditor CTO 27+ yrs Busines
Slide 37: Second line of management
Second line of management Ensuring operational excellence Faisal Sara Prasann Rano Verma Manish Verma Ashish Gupta Ganesh Iyer Suresh Pohuja Jasvinder Saini Anil Hospattankar Head Investor Business Head - Business Head - Education Maneesh VM Rewari Head Customer Service & Loan Business Head - Busine
Slide 38: Deepening engagement with all stakeholders
Deepening engagement with all stakeholders Fostering strong relationships across the value chain Employees Channel Partners Customers • AI Led HR Transformation : Reimagined HR interventions • Fostering deeper partner relationships, • Holistic customer engagement plan through intelligent, scalable s
Slide 39: Human Resources: Planned Innovations and Goals
Human Resources: Planned Innovations and Goals Deliver a frictionless, fully automated HR ecosystem that empowers employees and HR teams to complete tasks effortlessly, driving toward a ‘Zero-Click’ experience. HR VISION IMPACT Employee Development Driving stronger employee engagement 1 R AT Focusin
Slide 40: ESG delivering sustainable long-term value to stakeholders
ESG delivering sustainable long-term value to stakeholders Prioritising responsible business practices DEFINING A BETTER TOMORROW Environment Social Governance We are committed to sustaining our environment by We are committed to investing proactively in our workforce We are committed to strong gove
Slide 41: Awards and Accolades (1/2)
Awards and Accolades (1/2) Industry Recognition for our brand Q1FY26 Q2FY26 40
Slide 42: Awards and Accolades (2/2)
Awards and Accolades (2/2) Industry Recognition for our brand Q3FY26 Q4FY26 41
Slide 43: Shareholding Pattern
Shareholding Pattern Shareholding Pattern (Quarter ending March-2026) Shareholding Pattern (Post QIP - April 13, 2026) Others Others 14.75% 13.98% (17.35%) Insurance/AIF Insurance/AIF 4.08% 5.09% (5.84%) Promoter and Promoter Group Mutual Funds 63.93% 7.03% Promoter and (4.29%) (62.53%) Mutual Funds
Slide 44: Glossary
Glossary AI: Artificial Intelligence ML: Machine Learning API: Application Performance Interface MM: Million AUM: Asset Under Management MoB: Month on book Bps: Basis Point MSMEs : Micro Small and Medium Enterprises CAC: Customer Acquisition Cost NCD : Non-Convertible Debentures CAR: Capital Adequac
Slide 45: Thank You!
Thank You! For further information, please contact: Team – Investor Relations Investor.relations@poonawallafincorp.com www.poonawallafincorp.com CIN : L51504PN1978PLC209007