Poonawalla Fincorp Limited · NSE:POONAWALLA
Poonawalla Fincorp — Q1 FY26 Earnings Presentation
39 slides from Poonawalla Fincorp's earnings presentation, Jul 25, 2025
Slide 1: Exchange filing cover letter
July 25, 2025 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: Q1FY26 Investor Presentation
Q1FY26 Investor Presentation July 25, 2025 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 Board of Directors, Management Team, 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: Q1FY26 Financial Highlights
Q1FY26- Financial Highlights AUM growth at 53% YoY; Lower Credit cost QoQ ▪ The Board of Directors approved the raising of funds amounting to ~₹ 1,500 crore via the AUM NII PPoP issuance of equity shares on a preferential basis to the promoter ₹41,273 Cr ₹768 Cr ₹325 Cr ▪ Strong AUM growth with heal
Slide 7: Q1FY26 Business Update
Q1FY26- Business Update Healthy traction in newly launched businesses PL Prime ▪ Healthy disbursement run-rate over ₹300 crores in June-2025 ▪ 80 branches launched till date across Gujarat, Haryana, Rajasthan and Maharashtra Gold Loan ▪ On track to launch 400 branches by March-26 Consumer ▪ Live wit
Slide 8: 2. Business Overview
POONAWALLA FINCORP INTRODUCING THE SAFEST & FASTEST WAY TO GET FUNDS 2. Business Overview
Slide 9: Table of Contents
Table of Contents 1 Key Highlights 2 Business Overview ✓ Vision and Mission ✓ Business strategy ✓ Products and Distribution ✓ Analytics and AI-first approach ✓ Risk Management ✓ People 3 Financial Overview 4 Board of Directors, Management Team, ESG and Awards
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: Sustainable, Predictable and Productive business
Sustainable, Predictable and Productive business Solidify, Expand and Scale Shaping up a Sustainable, Predictable and Productive Business Scale ▪ Investing in digital marketing at scale, conducting over 100 Expand experiments across web & app platforms: To add value to Industry-first digital journey
Slide 12: New products launched
New products launched Risk diversification and Cross-sell flywheel New products launched Education Commercial Consumer Shopkeeper PL Prime Gold Loan Loan Vehicle Loan Durable Loan Loan ▪ Launched industry- ▪ High Customer ▪ Secured business ▪ Build large customer ▪ Business happens at ▪ Secured busi
Slide 13: Delivering comprehensive financial solutions
Delivering comprehensive financial solutions Optimised secured and unsecured mix of products Loan Against Property • Loan from ₹51 lakhs to ₹25 crore Prime Personal Loan • Tenure: 3-15 years • Loan from ₹1 lakh to ₹50 lakhs • Tenure: 12 to 84 months Business Loan • Loan from ₹5 lakhs to ₹75 lakhs Ed
Slide 14: Phygital Distribution Model
Phygital Distribution Model An architecture for customer sourcing Sourcing of customers App Sourcing of customers Website Social Media through direct channels, through partnerships and channel partners and call digital aggregators for centers various product offerings Other Digital Digital Physical
Slide 15: 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 16: AI-led digital strategy
AI-led digital strategy One-stop shop for customer servicing and value-added services Disbursement through App for PL has already picked-up and web-based loan applications and complete digital onboarding will be replicated for other consumer products Digital Onboarding Account Aggregator Dedicated C
Slide 17: AI-Solutions transforming our functions
AI-Solutions transforming our functions Improving Risk efficiency, Higher Productivity and Enhancing Customer experience 35 AI-Solutions | 8 Successfully Delivered and 27 Underway Functions HR -6 Customer Service-4 Analytics-1 IT-2 Credit & Risk -4 Projects Recruitment Quality Assessment tools for c
Slide 18: 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 19: Adopting an industry-first approach in Collections
Adopting an industry-first 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 data stak
Slide 20: 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 through intelligent, scalable solutions to boost efficiency • Increase partner visibility and reward & • Holi
Slide 21: Human Resources: Planned Innovations and Goals
Human Resources: Planned Innovations and Goals HR Vision To enable both HR and employees to complete HR-related tasks with minimal effort, aiming to achieve “Zero Clicks” experience 1 Prioritizing Employee Development employee development by continuous Impact Increased engagement with employees lear
Slide 22: 3. Financial Overview
POONAWALLA FINCORP FINCORP. INTRODUCING THE SAFEST & FASTEST WAY TO GET FUNDS 3. Financial Overview
Slide 23: Assets Under Management
Assets Under Management Solid AUM growth with right product mix ▪ Robust AUM growth across all products ▪ Secured to Unsecured on-book mix at 57:43 Assets under Management [₹ crore] AUM Mix +53%YoY MSME 36% 41,273 35,631 Loan Against Property 25% 30,984 26,972 28,396 Personal and Consumer 23% POC 13
Slide 24: Composition of Borrowings
Composition of Borrowings Diversified liability profile ▪ Total borrowings as on June 30, 2025, at ₹30,533 crore. Diversified borrowings across instruments and institutions ▪ During Q1FY26, raised ₹5,458 Cr through NCD (including sub-debt) to increase the proportion of long-term borrowings; Increasi
Slide 25: Optimizing Cost of Borrowing
Optimizing Cost of Borrowing 8.4% Cost of borrowing has reduced despite an increase in the share of long-term borrowings 8.16% 8.10% 8.06% 8.07% 8.04% 7.9% Q1FY25 Q2FY25 Q3FY25 Q4FY25 Q1FY26 24
Slide 26: ALM statement and Liquidity
ALM statement and Liquidity Structural Liquidity Statement as on June 30, 2025 Liquidity as on June 30, 2025, stood at ₹4,465 crore in the form of cash, cash equivalents and undrawn bank lines Cumulative inflows (₹ crore) Cumulative outflows (₹ crore) 44,915 44,915 37,52936,276 33,446 31,475 18,344
Slide 27: Credit Rating
Credit Rating Highest rating - AAA Long-term Ratings* Short-term Ratings** CRISIL Ratings CARE Ratings CRISIL Ratings CARE Ratings Q1FY26 AAA/Stable Q1FY26 A1+ *Long-term rated instruments includes Bank Facilities, NCD and Subordinated Debt | **Short-term rated instrument includes Commercial Paper 2
Slide 28: Net Interest Income (NII) and Operating Expense
Net Interest Income (NII) and Operating Expense Healthy growth in net interest income; Opex to Average AUM stable NII (₹ crore) Opex to Average AUM ratio +13.6% YoY 6.0% 5.4% 768 5.0% 715 676 672 4.0% 4.4% 4.8% 4.8% 645 4.2% 3.0% 3.9% 2.0% 1.0% 0.0% Q1FY25 Q2FY25 Q3FY25 Q4FY25 Q1FY26 Q1FY25 Q2FY25 Q
Slide 29: Asset Quality Trend
Asset Quality Trend Stable Gross NPA; Adequately provisioned ➢ Stable Asset Quality with GNPA at 1.84%; NNPA at 0.85% ➢ PCR stands at 53.93% ➢ Credit cost continued to reduce from ₹253cr in Q4FY25 to ₹241cr in Q1FY26; reduction of 5%. Credit cost as a percentage to AUM has come down significantly fr
Slide 30: Profitability
Profitability Building new businesses for sustainable, predictable and profitable growth PPoP (₹ crore) PBT and PAT (₹ crore) -2.5% QoQ 432 390 292 330 373 333 325 80 62 63 279 130 25 19 83 -70 -270 -470 -471 -670 -630 Q1FY25 Q2FY25 Q3FY25 Q4FY25 Q1FY26 Q1FY25 Q2FY25 Q3FY25 Q4FY25 Q1FY26 PBT PAT RoA
Slide 31: Profit & Loss Statement
Profit & Loss Statement ₹ crore Q1FY25 Q4FY25 Q1FY26 Total Interest Income 896 1,068 1,185 Interest expenses 320 458 546 Net Interest Income (NII) 576 610 639 Cross sell Income 7 36 35 Servicing Income 23 34 31 Other Income 18 7 0 Net gain on derecognition of financial instruments 51 27 63 NII (inc.
Slide 32: Balance Sheet
Balance Sheet ₹ crore Jun 30, 2024 Mar 31, 2025 Jun 30, 2025 Cash & Bank Balances 400 32 17 Receivables 19 19 28 Loans 24,083 32,695 37,863 Investments 1,063 1,341 1,095 Other Financial Assets 229 185 222 Non-Financial Assets 534 707 777 Total Assets 26,328 34,979 40,002 Borrowings 17,121 25,881 30,
Slide 33: 4. Board of Directors, Management Team, ESG and Awards
4. Board of Directors, Management Team, ESG and Awards
Slide 34: Board of Directors
Board of Directors Commanding the course with the best governance standards Ms. Sonal Sanjay Modi Mr. Kewal Kundanlal Handa Mr. Adar Poonawalla Mr. Arvind Kapil Mr. Sunil Samdani Non -Executive Director Independent Director Chairman & Non- Managing Director Executive Director Executive Director & CE
Slide 35: Management Team
Management Team Leading the next phase of growth Mr. Arvind Kapil Mr. Sunil Samdani Mr. Sanjay Miranka Mr. Shriram V. Iyer Mr. Vikas Pandey Mr. Veeraraghavan lyer Managing Director & CEO Executive Director Chief Financial Officer Chief Credit & Analytics Chief Business Officer - Chief Business Offic
Slide 36: 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 We are committed to strong responsibly maintaini
Slide 37: Awards and Accolades
Awards and Accolades Industry Recognition for our brand 36
Slide 38: Shareholding Pattern
Shareholding Pattern Shareholding Pattern (Quarter ending Jun-2025) Top Institutional Investors Kotak Mahindra Mutual Fund Others Life Insurance Corporation of India 15.50% SBI Life Insurance (23.32%) Amansa Holdings Private Limited Franklin Templeton India Fund Insurance/AIF Kotak Funds - FPI 6.22%
Slide 39: Thank You!
Thank You! For further information, please contact: Team – Investor Relations Investor.relations@poonawallafincorp.com www.poonawallafincorp.com CIN : L51504PN1978PLC209007