Poonawalla Fincorp Limited · NSE:POONAWALLA
Poonawalla Fincorp — Q2 FY26 Earnings Presentation
39 slides from Poonawalla Fincorp's earnings presentation, Oct 17, 2025
Slide 1: Exchange filing cover letter: Investor/Analysts' Presentation
October 17, 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
Slide 2: Q2FY26 Investor Presentation
Q2FY26 Investor Presentation October 17, 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: Q2FY26 - Financial Highlights
Q2FY26- Financial Highlights AUM growth at 68% YoY ▪ Equity infusion of ~Rs. 1,500 cr. on AUM NII PPoP preferential basis by the promoter ▪ Strong AUM growth with healthy momentum ₹47,701 Cr ₹905 Cr ₹387 Cr across all products, new products 68.0% YoY 40.3% YoY 38.5% YoY contributed 8% 15.6% QoQ 17.8
Slide 7: Q2FY26 - Business Update
Q2FY26- Business Update Healthy traction in newly launched businesses PL Prime ▪ Healthy average monthly disbursement of ~₹400 crores in Q2FY26 ▪ 160 branches launched till date across Gujarat, Haryana, Rajasthan and Maharashtra Gold Loan ▪ On track to launch 400 branches by March-26 Consumer ▪ Live
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 ▪ Strengthened digital acquisition strategy, with tech interventions Expand on perf marketing & partnered with 30+ digital affiliates & Industry-first digit
Slide 12: New products launched
New products launched Risk diversification and Cross-sell flywheel New products launched Education Commercial Consumer Shopkeeper Gold Loan PL Prime 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 Optimized 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 ₹1 crore Edu
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 10 New Projects added bringing total to 45 AI-Solutions | 16 Successfully Delivered and 29 Underway Functions HR -6 Customer Service-4 Analytics-1 IT-2 Credit & Risk -7 Projects R
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, new products contributed 8% to total AUM ▪ Secured to Unsecured on-book mix at 56:44 Assets under Management [₹ crore] AUM Mix +68%YoY MSME 36% 47,701 41,273 Loan Against Property 26% 35,631 28,3
Slide 24: Composition of Borrowings
Composition of Borrowings Diversified liability profile ▪ Total borrowings as on September 30, 2025, at ₹35,717 crore. Diversified borrowings across instruments and institutions ▪ During Q2FY26, raised ₹2,355 Cr through NCD (including Sub-debt) to increase the proportion of long-term borrowings | NC
Slide 25: Optimizing Cost of Borrowing
Optimizing Cost of Borrowing Significant reduction in cost of borrowing along with enhanced diversification 8.5% 8.16% 8.10% 8.06% 8.07% 8.04% 8.0% 7.69% 7.5% Q1FY25 Q2FY25 Q3FY25 Q4FY25 Q1FY26 Q2FY26 24
Slide 26: ALM statement and Liquidity
ALM statement and Liquidity Structural Liquidity Statement as on September 30, 2025 Liquidity as on September 30, 2025, stood at ₹6,261 crore in the form of cash, cash equivalents and undrawn bank lines Cumulative inflows (₹ crore) Cumulative outflows (₹ crore) 52,852 52,852 43,193 38,280 42,519 37,
Slide 27: Credit Rating
Credit Rating Highest rating - AAA Long-term Ratings* Short-term Ratings** CRISIL Ratings CARE Ratings CRISIL Ratings CARE Ratings Q2FY26 AAA/Stable Q2FY26 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 +40.3% YoY 6.0% 5.4% 905 5.0% 715 768 645 672 4.0% 4.8% 4.8% 4.8% 4.2% 3.0% 2.0% 1.0% 0.0% Q2FY25 Q3FY25 Q4FY25 Q1FY26 Q2FY26 Q2FY25 Q3FY25 Q4FY25
Slide 29: Asset Quality Trend
Asset Quality Trend Improved Gross NPA; Adequately provisioned ➢ Improved Asset Quality with 25 bps lower GNPA at 1.59% ; NNPA at 0.81% ➢ PCR stands at 49.65% ➢ Credit cost as a percentage to average AUM has remained stable at 2.67% GNPA and NNPA Particulars (₹ crore) Sep-24 Dec-24 Mar-25 Jun-25 Sep
Slide 30: Profitability
Profitability Building new businesses for sustainable, predictable and profitable growth PPoP (₹ crore) PBT and PAT (₹ crore) 38% YoY 373 387 330 333 325 80 62 63 74 279 130 25 19 83 99 -70 -270 -470 -471 -670 -630 Q2FY25 Q3FY25 Q4FY25 Q1FY26 Q2FY26 Q2FY25 Q3FY25 Q4FY25 Q1FY26 Q2FY26 PBT PAT RoA 0.7
Slide 31: Profit & Loss Statement
Profit & Loss Statement ₹ crore Q2FY25 Q1FY26 Q2FY26 Total Interest Income 911 1,185 1,402 Interest expenses 352 546 638 Net Interest Income (NII) 559 639 764 Cross sell Income 12 35 68 Servicing Income 39 31 37 Other Income 8 0 0 Net gain on derecognition of financial instruments 28 63 35 NII (inc.
Slide 32: Balance Sheet
Balance Sheet ₹ crore Sep-24 Jun-25 Sep-25 Cash & Bank Balances 138 17 126 Receivables 15 28 40 Loans 24,646 37,863 43,910 Investments 1,219 1,004 1,656 Other Financial Assets 213 222 345 Non-Financial Assets 701 777 832 Total Assets 26,931 39,911 46,909 Borrowings 18,107 30,533 35,717 Other Liabili
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 Sep-2025) Others ▪ The Board of Directors of Poonawalla 14.15% Fincorp Limited has approved the allotment (20.81%) of equity shares on 17th September 2025 Insurance/AIF 5.29% ▪ These shares worth ~1500 Crores have (4.99%) Promoter and been is
Slide 39: Thank You!
Thank You! For further information, please contact: Team – Investor Relations Investor.relations@poonawallafincorp.com www.poonawallafincorp.com CIN : L51504PN1978PLC209007