Poonawalla Fincorp Limited · NSE:POONAWALLA
Poonawalla Fincorp — Q1 FY27 Earnings Presentation
45 slides from Poonawalla Fincorp's earnings presentation, Jul 17, 2026
Slide 1: Regulation 30 cover letter to exchanges
July 17, 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
Slide 2: Q1FY27 Investor Presentation
Enable your dream with….. Prime Personal Gold Loan Loan Consumer Education Durable Loan Loan Commercial Shopkeeper Vehicle Loan Loan Q1FY27 Investor Presentation July 17, 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: Q1FY27 - Financial Highlights
Q1FY27 - Financial Highlights Robust performance across parameters AUM NII PPoP PAT ▪ Strong AUM growth with healthy momentum across all retail products, new products contributed 16% to AUM ▪ PAT increased 20.8% QoQ to ₹308 Cr in Q1FY27 from ₹255 Cr in Q4FY26 ₹67,054 Cr ₹1,415 Cr ₹785 Cr ₹308 Cr ▪ P
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 3.82x 3.64x ▪ Post capital raise debt to equity ratio stands at 3.82x as on 30th June 2026 ▪ We seek to continue growing our AUM at ~35- 40% CAGR over the next couple
Slide 8: Q1FY27 - Business Update
Q1FY27- Business Update Healthy traction in new launched businesses PL Prime ▪ Healthy average monthly disbursement of ~₹537 crore in Q1FY27 ▪ Peaked at an impressive ₹542 crore in June 2026 ▪ Gold loan operations are now live in 460 branches as on date, spread across Gujarat, Haryana, Rajasthan, Ma
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 Products % of AUM Tenure ROI Customer segment Sourcing channel (₹ crore) range Prime Salaried customers of 5,793 9% ₹1L - ₹75L 12 - 84M 13 - 16% Physical Personal Loan top corporates Tier II/ III Dedicated Gold Loan Gold Loan 1,82
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/ 12,973 19% ₹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 Improved design efficiency Next Best Action AI & Advance Analytics AI based New pattern
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 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 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 4.80% 4.81% 4.41% 4.13% 4.06% 62.5% YoY 84.3% YoY 60,348 67,054 55,017 1,415 57.7% 57.3% 47,701 1,276 41,273 51.1% 1,080
Slide 21: Composition of Borrowings
Composition of Borrowings Diversified liability profile ▪ Total borrowings as on June 30, 2026 at ₹49,866 crore. Diversified borrowings across instruments and institutions ▪ During Q1FY27, raised ₹1,155 Cr through NCD (including Sub-debt NCD) to increase the proportion of long-term borrowings | NCD
Slide 22: Cost of Borrowing
Cost of Borrowing Cost of borrowing saw a modest uptick amidst prevailing geopolitical and interest rate environment 8.1% 8.04% 7.69% 7.72% 7.65% 7.63% 7.6% 7.1% Q1FY26 Q2FY26 Q3FY26 Q4FY26 Q1FY27 21
Slide 23: ALM statement and Liquidity
ALM statement and Liquidity Structural Liquidity Statement as on June 30, 2026 Liquidity as on June 30, 2026, stood at ₹4,012 crore in the form of cash, cash equivalents and undrawn bank lines Cumulative inflows (₹ crore) Cumulative outflows (₹ crore) 69,326 69,326 55,409 49,243 54,913 45,728 25,973
Slide 24: Credit Rating
Credit Rating Highest rating - AAA Long-term Ratings* Short-term Ratings** CRISIL Ratings CARE Ratings CRISIL Ratings CARE Ratings Q1FY27 AAA/Stable Q1FY27 A1+ *Long-term rated instruments include Bank Facilities, NCD and Subordinated Debt | **Short-term rated instruments include Commercial Paper 23
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 +84.3% YoY 5.00% 1,415 4.80% 1,276 4.80% 4.81% 1,080 4.60% 905 768 4.40% 4.20% 4.41% 4.00% 4.13% 4.06% 3.80% Q1FY26 Q2FY26 Q3FY26 Q4FY26 Q1F
Slide 26: Asset Quality Trend
Asset Quality Trend Improved Gross NPA; Adequately provisioned ➢ Sequentially improved asset quality with 7 bps lower GNPA at 1.37%; NNPA at 0.70% ➢ PCR stands at 49.11% ➢ Credit cost as a percentage to average AUM has improved to 2.40% GNPA and NNPA Particulars (₹ crore) Jun-25 Sep-25 Dec-25 Mar-26
Slide 27: New acquisition quality and collection efficiency trend
New acquisition quality and collection efficiency trend Collection strength supported by declining early vintage delinquency 0.0% Collection Efficiency Early Vintage Delinquency: 6 Mob 30+ 9.8% 9.6% 6.74% 99.6% 99.6% 9.4% 9.2% 99.3% 99.2% 99.3% 9.0% 99.1% 99.0% 3.06% 8.8% 8.6% 1.66% 1.52% 1.34% 98.6
Slide 28: Profitability
Profitability Building new businesses for sustainable, predictable and profitable growth PPoP (₹ crore) PBT and PAT (₹ crore) 141.8% YoY 500 411 785 400 695 341 308 528 300 255 387 200 325 200 150 83 63 99 100 74 0 Q1FY26 Q2FY26 Q3FY26 Q4FY26 Q1FY27 Q1FY26 Q2FY26 Q3FY26 Q4FY26 Q1FY27 PBT PAT RoA 1.9
Slide 29: Profit & Loss Statement
Profit & Loss Statement ₹ crore Q1FY26 Q4FY26 Q1FY27 Total Interest Income 1,185 1,894 2,118 Interest expenses 546 844 922 Net Interest Income (NII) 639 1,050 1,197 Cross sell Income 35 72 91 Servicing Income 31 67 70 Other Income 0 9 7 Net gain on derecognition of financial instruments 63 78 51 NII
Slide 30: Balance Sheet
Balance Sheet ₹ crore Jun-25 Mar-26 Jun-26 Cash & Bank Balances 17 294 268 Receivables 28 38 44 Loans 37,863 55,951 62,139 Investments 1,004 2,490 814 Other Financial Assets 222 677 641 Non-Financial Assets 777 770 767 Total Assets 39,911 60,221 64,673 Borrowings 30,533 48,098 49,866 Other Liabiliti
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 (1/2)
AI-Solutions transforming our functions (1/2) Improving Risk efficiency, Higher Productivity and Enhancing Customer experience 101 AI-Solutions | 50 Successfully Delivered and 51 Underway HR - 15 AI / ML -11 Cross Sell- 1 Finance-7 IT - 3 1. AI-led Talent Acquisition 1. Agentic DQI 1. AI cross-sell
Slide 33: AI-Solutions transforming our functions (2/2)
AI-Solutions transforming our functions (2/2) Improving Risk efficiency, Higher Productivity and Enhancing Customer experience 101 AI-Solutions | 50 Successfully Delivered and 51 Underway Strategy - 3 Credit & Risk - 10 Secretarial - 1 1. AI Driven RPA 1. AI-powered tools to streamline the operation
Slide 34: Tech & Analytics capabilities evolved for scale
Tech & Analytics capabilities evolved for scale Quantum Talent 250+ *52mn+ 450+ Data / Application Tech Average no. of API calls per APIs Engineers/ Infra / IT day Governance Analytics 50+ 5000+ AI/ML Models deployed Features Analysed 50+ Data Scientist/ AI/ LLM Engineers/ Analyst ++ IIT – Strategic
Slide 35: 5. Board of Directors, Management Team, Human Resource, ESG and Awards
5. Board of Directors, Management Team, Human Resource, ESG and Awards
Slide 36: 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 37: 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 38: Second line of management
Second line of management Ensuring operational excellence Rano Verma Faisal Sara Prasann Manish Verma Ashish Gupta Ganesh Iyer Suresh Pohuja Head Debt Syndication, Jasvinder Saini Anil Hospattankar Head Investor Business Head - Business Head - Education Maneesh VM Rewari Loan Business Head - Busines
Slide 39: 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 + • Expand & Empower: Continue building a • AI Led HR Transformation : Reimagined HR Chat) to ease customer interaction high-perfo
Slide 40: 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 41: 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 42: Awards and Accolades
Awards and Accolades Industry Recognition for our brand FY26 Q1FY27 41
Slide 43: Shareholding Pattern
Shareholding Pattern Shareholding Pattern (Quarter ending June-2026) Others 14.36% (15.50%) Insurance & AIF 4.44% (6.22%) Promoter 59.02% Mutual Funds (62.46%) 11.22% (5.06%) FPI 10.96% (10.76%) Figures in bracket represent data for quarter ending June-2025 42
Slide 44: 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 Bps: Basis Points Enterprises CAC: Customer Acquisition Cost NCD : Non-Convertible
Slide 45: Thank You!
Thank You! For further information, please contact: Team – Investor Relations Investor.relations@poonawallafincorp.com www.poonawallafincorp.com CIN : L51504PN1978PLC209007