Ptc India Financial Services Limited · NSE:PFS
Ptc India Financial Services — Q1 FY27 Earnings Presentation
23 slides from Ptc India Financial Services's earnings presentation, Jul 28, 2026
Slide 1: Cover letter to stock exchanges
July 28, 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 Resu
Slide 2: Investor Presentation Q1 FY27
INVESTOR sateen Q1FY 27 JULY 2026 INVESTMENT IN IMPACT POWERED BY Purpose” Financing India’s Infrastructure. Building a Sustainable Tomorrow.
Slide 3: Table of Content
TABLE OF CONTENT 03. PFS Overview 07. Key Performance Metrics 04. Executive Summary 08. Q1 FY27 Highlights 05. Shareholder Information 09. Business Overview 06. Board of Directors 17. Financials
Slide 4: PFS Overview
PFS OVERVIEW RBI-classified Infrastructure Finance Company A subsidiary of PTC India Limited Incorporated in September 2006 (leader in electricity trading market) Focus on sustainable financing by delivering Aim to be the most preferred financial partner comprehensive and innovative solutions across
Slide 5: Executive Summary – Q1 FY27
EXECUTIVE SUMMARY – Q1 FY27 Empowering sustainable infrastructure transformation through agile, impact-oriented financing FOCUS AREAS: 1. Power Infrastructure ₹2,946 Crores 2. Renewable Energy & Energy Transition Loan Assets as on 30th June ‘26 3. Transportation & Logistics 4. Water & Urban Infrastr
Slide 6: Shareholder Information
SHAREHOLDER INFORMATION As on 30th June, 2026 26.18% Top Shareholders (as on 30th June, 2026) PTC India Limited 64.99 Domestic Institutional Investor 5.05 1.75% FPI (Category I + Category II) 64.99% 2.03 2.03% 1.41% 3.64% PTC India Limited Mutual Funds Insurance Companies FPI (Category I + Category
Slide 7: Board of Directors
BOARD OF DIRCTORS Mr. Manoj Kumar Jhawar Mr. Rajiv Malhotra Non-Executive Chairman MD & CEO (Addl. Charge) MD & CEO at PTC India Limited Over 35 years of leadership experience in the power and infrastructure sector. ED & Group CRO at PTC India Limited Mr. Manas R. Mohanty Ms. Mini Ipe Independent Di
Slide 8: Key Financial Metrics - Quarterly Snapshot
KEY FINANCIAL METRICS- QUARTERLY SNAPSHOT TOTAL INCOME (IN ₹ CR) PAT (IN ₹ CR) DISBURSEMENTS (IN ₹ CR) 142 137 162 119 138 103 117 46 40 Q1 FY26 Q4 FY26 Q1 FY27 Q1 FY26 Q4 FY26 Q1 FY27 Q1 FY26 Q4 FY26 Q1 FY27 RETURN ON ASSETS (%) NET STAGE III (IN ₹ Cr) NIM (%) 167 9.77 4.75 4.63 4.46 3.60 3.31 47 4
Slide 9: Q1 FY27 Highlights
Q1 FY27 HIGHLIGHTS • Leadership transition with a sharper focus on core strengths • Leveraging PFS's deep infrastructure financing capabilities to drive growth • Comprehensive business strategy across loan sizes and infrastructure value chain • Transition to a balanced lending portfolio across Priva
Slide 10: Business Overview
BUSINESS OVERVIEW
Slide 11: Operational Performance: Comparative View
OPERATIONAL PERFORMANCE: COMPARATIVE VIEW SECTOR-WISE OUTSTANIDNG Q4 FY26 Q1 FY27 16% 17% 19% 23% 12% 4% 13% 3% 10% 9% 4% 5% 32% TOTAL- ₹3,292 Cr TOTAL- ₹2,946 Cr 32% Renewable Sustainable Infra Transmission Road Renewable Sustainable Infra Transmission Road Distribution Thermal Other* Distribution
Slide 12: Sectoral Composition of the Portfolio
SECTORAL COMPOSITION OF THE PORTFOLIO Utilities 955.91 Conventional Power & Transmission 687.55 Renewable Infra 558.50 Digital Infra 236.55 Transportation Infra 188.02 Biofuel, Wastewater & Emerging Infra 63.44 Others 256.03 In ₹ Crores 11
Slide 13: Blueprint for Future
BLUEPRINT FOR FUTURE Scaling with Strength: Driving Sustainable & Profitable Growth FY27 – Driving Profitable & Disciplined Growth 1. Leverage PFS’s core infrastructure financing capabilities 2. Pursue infrastructure opportunities across loan sizes and value chain 3. Drive disciplined and sustainabl
Slide 14: Robust and Well Structured ALM
ROBUST AND WELL STRUCTURED ALM Structured Liquidity Statement as on June 30, 2026 Liquidity Coverage Ratio In ₹ Crores 730 715 649 1,284 323% 3,887 252% 181% 2,603 2,395 166% 1,649 1,747 116% 1,138 935 408 Upto 3M Upto 6M Upto 1Y Upto 3Y Q1 FY26 Q2 FY26 Q3 FY26 Q4 FY26 Q1 FY27 Cumulative Total Inflo
Slide 15: Building Resilience
BUILDING RESILIENCE 3,120 10% 3,080 3,034 2,978 2,891 In ₹ Crores 6% 2,754 2% 2% 2% 2% Q4 FY25 Q1 FY26 Q2 FY26 Q3 FY26 Q4 FY26 Q1 FY27 Networth Net Stage III/Networth 14
Slide 16: Thrust on Enhancing Asset Quality
THRUST ON ENHANCING ASSET QUALITY In ₹ Crores 01 Significant improvement in asset quality 441 02 Improvement in asset quality driven by recoveries 03 Provision Coverage Ratio for Stage III assets at 75% in Q1 FY27 193 193 190 190 167 04 No new slippages in Q1 FY27 47 47 47 47 Q1 FY26 Q2 FY26 Q3 FY26
Slide 17: Sustainability and ESG Focus
SUSTAINABILITY AND ESG FOCUS • Focus on Green & • Gender diversity & equal • Strong Board oversight & SOCIAL ENVIRONMENTAL GOVERNANCE Sustainable opportunity accountability Finance • Equal pay for equal work • Ethical business conduct • Integrated ESMS • Employee well-being & & integrity into credit
Slide 18: Financials
PIS FINANCIALS (Classification: Confidential
Slide 19: Key Balance Sheet Indicators
KEY BALANCE SHEET INDICATORS Q1 FY27 Q4 FY26 Q1 FY26 Particulars FY26 - 1,004 206 Loan Sanctioned (₹ Cr) 3,448 117 162 138 Loan Disbursed (₹ Cr) 1,235 2,946 3,292 4,313 Loan Assets (₹ Cr)* 3,292 68.91 66.63 64.96 Capital Adequacy Ratio (%) 66.63 * Includes loan, loan converted debenture, interest ac
Slide 20: Results Overview
RESULTS OVERVIEW Q1 FY27 Q4 FY26 Q1 FY26 Particulars FY26 103.31 119.11 142.24 Total Income (₹ Cr) 518.25 54.25 61.59 146.31 Profit before tax (₹ Cr) 389.70 Tax expense (₹ Cr) 14.01 16.09 9.68 70.34 (including deferred tax) 40.24 45.50 136.63 Profit after tax (₹ Cr) 319.36 48.71 65.04 66.18 Net Inte
Slide 21: Key Operational Indicators
KEY OPERATIONAL INDICATORS Q1 FY27 Q4 FY26 Q1 FY26 Particulars FY26 Net Interest Margin (%) 4.46 4.75 4.63 4.49 (Stage 1 + Stage 2 loans only) 19.89 14.78 14.56 Cost to Income Ratio (%) 16.84 0.49 0.57 0.87 Debt Equity Ratio (Times) 0.57 5.19 6.24 19.36 Return on Net worth (%)* 10.95 3.31 3.60 9.77
Slide 22: Yield on Assets and Cost of Funds
YIELD ON ASSETS AND COST OF FUNDS 11.27% 11.05% 11.23% 10.57% 10.29% 10.14% 9.69% 9.67% 9.49% 9.45% 9.37% 9.26% 1.58% 1.38% 1.74% 1.12% 0.92% 0.88% Q4 FY25 Q1 FY26 Q2 FY26 Q3 FY26 Q4 FY26 Q1 FY27 Yield on Assets Cost of funds Spread *Yield on Earning portfolio (Stage 1 + Stage 2 loans) Prioritizin
Slide 23: 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 22
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