Poonawalla Fincorp Limited · NSE:POONAWALLA
Poonawalla Fincorp — Q2 FY27 Earnings Presentation
42 slides from Poonawalla Fincorp's earnings presentation, Oct 9, 2026
Slide 1: Exchange filing cover letter for investor presentation
October 09, 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
Slide 2: Q2FY27 Investor Presentation
Q2FY27 Investor Presentation Sustainable | Predictable | Productive October 09, 2026
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: 1. Key Highlights
POONAWALLA FINCORP POONAWALLA, FINCORP. INTRODUCING THE SAFEST & FASTEST WAY TO GET FUNDS 1. Key Highlights
Slide 5: 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 6: Q2FY27 - Financial Highlights
Q2FY27 - Financial Highlights Robust performance across parameters AUM NII PPoP PAT ▪ Strong AUM growth with healthy momentum across all retail products, new products contributed 18% to AUM ▪ PAT increased 21.8% QoQ to ₹375 Cr in Q2FY27 from ₹308 Cr in Q1FY27 ₹74,008 Cr ₹1,589 Cr ₹877 Cr ₹375 Cr ▪ P
Slide 7: Capital Augmentation
Capital Augmentation Leverage (Debt to Equity) 4.67x ▪ Raised ₹2,500 Cr Via Qualified Institutional 4.25x 4.30x Placement in April-26 3.82x 3.64x ▪ Post capital raise debt to equity ratio stands at 4.30x as on 30th September 2026 ▪ We seek to continue growing our AUM at ~35- 40% CAGR over the next c
Slide 8: Q2FY27 - Business Update
Q2FY27- Business Update Healthy traction in new launched businesses Healthy average monthly disbursement of ~₹577 crore in Q2FY27 compared to ~537 crore PL PLPrime Prime in Q1FY27 Gold loan operations are now live in 550 branches as on date, spread across Gujarat, Haryana, Rajasthan, Maharashtra
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 ➢ Financial Services: Holistic term that broadly defines the current and future business Vision 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..) Expand (FY26) Build an at-scale consumer franchise with superior engagement Solidify (FY25) Scaled new products to 24% of and retention incremental disbursements as of Scale priority businesse
Slide 13: Well diversified product portfolio (1/2)
Well diversified product portfolio (1/2) New Products AUM Ticket size Products % of AUM Tenure ROI Customer segment Sourcing channel (₹ crore) range Prime Salaried customers of 6,662 9% ₹1L - ₹75L 12 - 84M 13 - 16% Physical Personal Loan top corporates Tier II/ III Dedicated Gold Loan Gold Loan 2,35
Slide 14: Well diversified product portfolio (2/2)
Well diversified product portfolio (2/2) Existing Products AUM Ticket size Products % of AUM Tenure ROI Customer segment Sourcing channel (₹ crore) range Instant Consumer Salaried & Self- Digital partnership/ 15,168 20% ₹50K - ₹5L 6 - 36M 22 - 29% Loan employed customers Organic led Loan against DSA
Slide 15: AI & Advance Analytics
AI & Advance Analytics Leveraging scale and depth of Analytics AI/ ML Models Reduce human cognitive bias Predictive Analytics Tailored offering Granular Prescriptive Channel recommendation Segmentation Analytics Next best action Improved design efficiency AI & Advance Analytics AI based Monitoring N
Slide 16: Predictive analytics
Predictive 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 Channel
Slide 17: Risk Management integrated into the strategy
Risk Management integrated into the strategy Comprehensive risk management framework Risk Management Architecture Risk Management Strategy Focus on Creating a granular retail loan portfolio with low Retail Lending concentration risk and prudent mix of secured and unsecured offerings Operational Cred
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 Empowering Teams Through Analytics & AI – for structured & Operational Excellence, Better Technology unstructured data Stakeholder Experience Field Allocation App Smart AI/ML Models Enhanced Compliance
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 Opex to Avg. AUM ratio & Cost to Income ratio ₹ crore ₹ crore 4.81% 4.41% 4.13% 4.06% 4.15% 55.1% YoY 74,008 75.6% YoY 60,348 67,054 1,589 57.3% 55,017 1,415 47,701 1,276 51.1% 1,080
Slide 21: Diversified liability profile
Diversified liability profile Balanced borrowing mix supported with prudent liquidity management Total borrowings stood at ₹58,865 crore as of September 30, 2026. Liquidity stood at ₹6,526 crore, comprising cash, cash equivalents and undrawn bank lines Instrument wise Institution wise Long-term Rati
Slide 22: Net Interest Income (NII) and Operating Expense
Net Interest Income (NII) and Operating Expense Healthy growth in net interest income NII (₹ crore) Opex to Average AUM ratio +75.6% YoY 5.00% 1,589 4.80% 1,415 1,276 4.81% 4.60% 1,080 905 4.40% 4.20% 4.41% 4.00% 4.13% 4.15% 4.06% 3.80% Q2FY26 Q3FY26 Q4FY26 Q1FY27 Q2FY27 Q2FY26 Q3FY26 Q4FY26 Q1FY27
Slide 23: Asset Quality Trend
Asset Quality Trend Improved Gross NPA; Adequately provisioned ➢ Sequentially improved asset quality with 17 bps lower GNPA at 1.20%; NNPA at 0.61% ➢ PCR stands at 49.14% ➢ Credit cost as a percentage to average AUM has improved to 2.19% GNPA and NNPA Particulars (₹ crore) Sep-25 Dec-25 Mar-26 Jun-2
Slide 24: New acquisition quality and collection efficiency trend
New acquisition quality and collection efficiency trend Collection strength supported by declining early vintage delinquency Collection Efficiency Early Vintage Delinquency: 6 Mob 30+ 6.74% 99.5% 99.6% 99.6% 99.5% 99.0% 99.2% 99.3% 99.3% 99.0% 99.1% 98.5% 98.6% 98.5% 98.0% 3.06% 97.5% 97.0% 1.66% 1.
Slide 25: Profitability
Profitability Building new businesses for sustainable, predictable and profitable growth PPoP (₹ crore) PBT and PAT (₹ crore) 126.9% YoY 600 877 501 785 500 695 411 400 375 528 341 308 300 255 387 200 200 150 99 74 100 0 Q2FY26 Q3FY26 Q4FY26 Q1FY27 Q2FY27 Q2FY26 Q3FY26 Q4FY26 Q1FY27 Q2FY27 PBT PAT R
Slide 26: Profit & Loss Statement
Profit & Loss Statement ₹ crore Q2FY27 Q1FY27 Q2FY26 Total Interest Income 2,416 2,118 1,402 Interest Expenses 1,035 922 638 Net Interest Income (NII) 1,380 1,197 764 Cross Sell Income 118 91 68 Servicing Income 91 70 37 Other Income 0 7 0 Net gain on derecognition of financial instruments - 51 35 N
Slide 27: Balance Sheet
Balance Sheet ₹ crore Sep-26 Jun-26 Sep-25 Cash & Bank Balances 224 268 126 Receivables 71 44 40 Loans 69,563 62,139 43,910 Investments 3,078 814 1,656 Other Financial Assets 700 641 345 Non-Financial Assets 897 767 832 Total Assets 74,533 64,673 46,909 Borrowings 58,865 49,866 35,717 Other Liabilit
Slide 28: 4. AI and Digital Strategy
POONAWALLA FINCORP INTRODUCING THE SAFEST & FASTEST WAY TO GET FUNDS 4. AI and Digital Strategy
Slide 29: AI Solutions transforming our functions
AI Solutions transforming our functions Improving Risk efficiency, Higher Productivity and Enhancing Customer experience 143 84 59 42 Total AI Projects Projects Delivered Projects Underway New Projects Function Total Projects Delivered Function Total Projects Delivered Marketing 6 5 Finance 7 4 Cred
Slide 30: Enterprise approach to AI across all layers
Enterprise approach to AI across all layers Value-driven AI use cases enabled by AI-ready data and scalable technology Personalized, omni-channel Faster, more consistent Higher productivity, governance customer experiences risk and credit decisions and operating efficiency Enterprise Business & grow
Slide 31: 5. Board of Directors, Management Team, Human Resource, ESG and Awards
5. Board of Directors, Management Team, Human Resource, ESG and Awards
Slide 32: Board of Directors
Board of Directors Commanding the course with the best governance standards Mr. Adar Poonawalla, Chairman & Non-Executive Director Mr. Arvind Kapil, Managing Director & CEO CEO of the Serum Institute of India (SII), the world’s largest vaccine Served as HDFC Bank’s Group Head overseeing the mortgage
Slide 33: 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 34: Second line of management
Second line of management Ensuring operational excellence Rano Verma Jasvinder Saini Anil Manish Verma Ashish Gupta Faisal Sara Ganesh Iyer Maneesh VM Suresh Pohuja Prasann Siddhartha Head Debt Syndication, Head Credit Analytics Hospattankar Head Investor Relations Business Head - Business Head - Bu
Slide 35: Deepening engagement with all stakeholders
Deepening engagement with all stakeholders Fostering strong relationships across the value chain Customers Channel Partners Employees • Conversational AI platform (Voice + • Strengthen the Distribution Franchise: • AI Led HR Transformation : Reimagined HR Chat) to ease customer interaction Build a r
Slide 36: 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 R AT HR Vision Impact NGE HL E HA 1 Employee Development Driving stronger employee engagem
Slide 37: 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 38: Awards and Accolades (1/2)
Awards and Accolades (1/2) Industry Recognition for our brand Q1FY27 Q2FY27 37
Slide 39: Awards and Accolades (2/2)
Awards and Accolades (2/2) Industry Recognition for our brand FY26 38
Slide 40: Shareholding Pattern
Shareholding Pattern Shareholding Pattern (Quarter ending Sept-2026) Others 13.32% (14.15%) Insurance & AIF 4.28% (5.29%) Promoter Mutual Funds 59.01% 11.75% (63.96%) (6.04%) FPI 11.64% (10.56%) Figures in bracket represent data for quarter ending Sept-2025 39
Slide 41: Glossary
Glossary AI: Artificial Intelligence ML: Machine Learning AIF: Alternate Investment Fund MM: Million API: Application Programming Interface MoB: Month on book AUM: Asset Under Management MSMEs : Micro Small and Medium Enterprises Bps: Basis Point NCD : Non-Convertible Debentures CAC: Customer Acquis
Slide 42: Thank You!
Thank You! For further information, please contact: Team – Investor Relations Investor.relations@poonawallafincorp.com www.poonawallafincorp.com CIN : L51504PN1978PLC209007