Ptc India Financial Services Limited · NSE:PFS
Ptc India Financial Services — Q2 FY26 Earnings Presentation
24 slides from Ptc India Financial Services's earnings presentation, November 2025
Slide 1: Q2 FY26 Investor Presentation
Q2 FY26 INVESTOR PRESENTATION INVESTING IN IMPACT POWERED BY PURPOSE
Slide 2: Table of Content
TABLE OF CONTENT 04 PFS OVERVIEW 08 KEY PERFORMANCE HIGHLIGHTS 05 EXECUTIVE SUMMARY – Q2 FY26 11 BUSIENESS OVERVIEW 06 SHAREHOLDER INFORMATION 15 TRANSFORMATIONAL PILLARS 07 BOARD OF DIRECTORS 20 FINANCIALS 20
Slide 3: Corporate Update
CORPORATE UPDATE • Three Independent Directors resigned on September 26, 2025 • Appointments were effective November 15, 2022 for a term of three years, ending on November 14, 2025 • Management surprised by Independent Directors’ sudden resignations; no prior concerns were raised • Actions & Initiat
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 – Q2 FY26
EXECUTIVE SUMMARY – Q2 FY26 Empowering sustainable infrastructure transformation through agile, impact-oriented financing Focus Areas: 1. Electric Vehicle Mobility 2. Water Treatment Projects ₹ 3,697 Crore 3. Renewable Projects and allied activities Loan Assets for Q2 FY26 4. Power Transmission ₹ 88
Slide 6: Shareholder Information
SHAREHOLDER INFORMATION Shareholding Pattern (as on September 30, 2025) 26.36% Top Shareholders (as on September 30, 2025) PTC India Limited 64.99% 1.40% Domestic Institutional Investors 5.06% 64.99% 2.19% FPI (Category I + Category II) 2.19% 1.41% 3.65% PTC India Limited Mutual Funds Insurance Comp
Slide 7: Board of Directors
BOARD OF DIRCTORS Mr. Manoj Kumar Jhawar Mr. R Balaji Non-Executive Chairman MD & CEO Seasoned business leader with 3 decades of CMD at PTC India Limited experience including key leadership roles in the financial sector Mr. Manas R. Mohanty Mr. Dilip Srivastava Independent Director Director (Finance
Slide 8: Key Performance Highlights – Q2 FY26
KEY PERFORMANCE HIGHLIGHTS – Q2 FY26 TOTAL INCOME (₹ Crs) PAT (₹ Crs) DISBURSEMENTS (₹ Crs) 326 163.43 136.63 142.24 131.86 88.14 138 47.34 0 Q2FY25 Q1FY26 Q2FY26 Q2FY25 Q1FY26 Q2FY26 Q2FY25 Q1FY26 Q2FY26 RETURN ON ASSETS (%) GROSS STAGE III (₹ Crs) LOAN SANCTIONED (₹ Crs) 764 1048 9.77 -56% +409% 6
Slide 9: Key Performance Highlights – H1 FY26
KEY PERFORMANCE HIGHLIGHTS – H1 FY26 TOTAL INCOME (₹ Crs) PAT (₹ Crs) DISBURSEMENTS (₹ Crs) 566 324.65 224.77 464 274.1 91.74 H1FY25 H1FY26 H1FY25 H1FY26 H1FY25 H1FY26 ROA (%) NIM (%) LOAN SANCTIONED (₹ Crs) 4.63 1255 8.15 3.94 500 2.92 H1FY25 H1FY26 H1FY25 H2FY26 H1FY25 H1FY26 *annualized *(Stage I
Slide 10: Q2 FY26 Business Updates
Q2 FY26 BUSINESS UPDATES • Strong business performance with strengthened management team driving sharper execution and governance; low volatility portfolio Loan Sanctions at ₹1,048 crs in Q2 FY26; highest in last 10 quarters; reflecting momentum build-up 100% disbursements to private corporates,
Slide 11: Business Overview
BUSINESS OVERVIEW PIC India
Slide 12: Portfolio Break Up – Q2 FY26
PORTFOLIO BREAK UP – Q2 FY26 STATE UTILITIES VS NON-STATE UTILITIES AUM Break-Up (in %) Execution aligned with strategy- 100% of Q2 FY26 disbursements to 01 private corporates, underscoring management’s commitment 63.76% 59.42% 61.36% 55.54% 56.06% 59.81% Strong pipeline from private corporates, wit
Slide 13: Operational Performance – Q2 FY26
OPERATIONAL PERFORMANCE – Q2 FY26 SECTOR WISE OUTSTANIDNG Q1 FY26 Q2 FY26 8% 9% 1% 5% 20% 21% 3% 4% 13% 13% 43% 47% 8% 5% TOTAL- ₹ 4,313 Cr TOTAL- ₹ 3,697 Cr Renewable Sustainable Infra* Transmission Road Renewable Sustainable Infra* Transmission Road Distribution Thermal Other* Distribution Thermal
Slide 14: Blueprint for Future
BLUEPRINT FOR FUTURE FY 26 – Continuity in Change Sustainable Back to Growth Attainable Identify 1. Improve Asset Quality 2. De-risk Portfolio by reducing portfolio concentration 3. Focus on Distributed Infrastructure 4. Strengthening Governance & Risk Management 5. Resource diversification to build
Slide 15: 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
Slide 16: Asset Quality
ASSET QUALITY In ₹ Crore Significant improvement in asset quality; Gross Stage III reduced 01 by nearly 75% over the past year 764 02 Provision Coverage Ratio for Stage III assets at 76% in Q2 FY26 750 compared to 62% in Q1 FY26 711 No new slippages in Q2 FY26; all loan accounts disbursed since 03 F
Slide 17: Positive Cash Flows Across ALM Buckets
POSITIVE CASH FLOWS ACROSS ALM BUCKETS Structured Liquidity Statement as on September 30, 2025 Liquidity Coverage Ratio In ₹ Crs 566 838 1,389 1,930 455% 4356 350% 323% 2648 2426 181% 1582 1259 122% 1000 745 434 Upto 3M Upto 6M Upto 1Y Upto 3Y Q2FY25 Q3FY25 Q4FY25 Q1FY26 Q2FY26 Cumulative Total Infl
Slide 18: Sustainability and ESG Focus
SUSTAINABILITY AND ESG FOCUS SOCIAL • Focus on Green & • CSR initiatives of the ENVIRONMENTAL • Board independence and GOVERNANCE Sustainable company are in line with diversity Finance philosophy • Disclosure practices: • Integrated ESMS • Established Mobility BRSR/ Sustainability into credit due En
Slide 19: Financials
PIS FINANCIALS (Classification: Confidential
Slide 20: Key Balance Sheet Indicators
KEY BALANCE SHEET INDICATORS Q2 FY26 Q1 FY26 Q2 FY25 Particulars H1 FY 26 H1 FY25 FY 25 1,048 206 - Loan Sanctioned (₹ Crs) 1,255 500 825 326 138 - Loan Disbursed (₹ Crs) 464 566 916 3,697 4,313 5,250 Loan Assets (₹ Crs)* 3,697 5,250 4,735 62.63 64.96 44.65 Capital Adequacy Ratio (%) 62.63 44.65 59.
Slide 21: Results Overview
RESULTS OVERVIEW Q2 FY26 Q1 FY26 Q2 FY25 Particulars H1 FY 26 H1 FY25 FY 25 131.86 142.24 163.43 Total Income (₹ Crs) 274.10 324.65 638.00 117.63 146.31 63.41 Profit before tax (₹ Crs) 263.94 122.75 278.52 Tax expense (₹ Crs) 29.49 9.68 16.07 39.17 31.01 61.47 (including deferred tax) 88.14 136.63 4
Slide 22: Key Operational Indicators
KEY OPERATIONAL INDICATORS Q2 FY26 Q1 FY26 Q2 FY25 Particulars H1 FY26 H1 FY25 FY 25 Net Interest Margin (%) 4.59 4.66 4.41 4.63 3.94 4.25 (Stage 1 + Stage 2 loans only) 18.04 14.56 12.43 Cost to Income Ratio (%) 16.27 12.27 13.93 0.76 0.87 1.27 Debt Equity Ratio (Times) 0.76 1.27 1.03 12.30 19.36 7
Slide 23: Yield on Assets and Cost of Funds
YIELD ON ASSETS AND COST OF FUNDS 11.47% 11.44% 11.27% 11.23% 11.08% 9.57% 9.69% 9.67% 9.49% 9.43% 2.04% 1.74% 1.87% 1.58% 1.41% Q2 FY25 Q3 FY25 Q4 FY25 Q1FY26 Q2FY26 Yield on Assets Cost of funds Spread *Yield on Earning portfolio includes Stage 1 + Stage 2 loans only Prioritizing high-quality pr
Slide 24: Thank You
Thank You Priya Chaudhary – VP Investor Relation Email: priya.chaudhary@ptcfinancial.com Ph No: +91 11 2673 7482 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
PTC India Financial Services — Q2 FY26 Earnings Presentation on 6ix