Ptc India Financial Services Limited · NSE:PFS
Ptc India Financial Services — Q1 FY26 Earnings Presentation
25 slides from Ptc India Financial Services's earnings presentation, Jul 30, 2025
Slide 1: Exchange filing cover letter for investors' presentation
July 30, 2025 To BSE Limited National Stock Exchange of India Limited Phiroze Jeejeebhoy Towers, Dalal Street, Exchange Plaza, C-1, Block G, Bandra- Kurla Mumbai- 400001 Complex, Bandra (East), Mumbai- 400051 Scrip Code: 533344 Scrip Symbol: PFS Subject: Investors’ Presentation on the Financial Resu
Slide 2: Q1 FY26 Investor Presentation
Q1 FY26 INVESTOR PRESENTATION INVESTING IN IMPACT POWERED BY PURPOSE
Slide 3: Table of Content
TABLE OF CONTENT 03 04 05 06 PFS PFS AT A SHAREHOLDER BOARD OF OVERVIEW GLANCE INFORMATION DIRECTORS 07 08 13 19 KEY FINANCIAL BUSINESS TRANSFORMATI METRICS FINANCIALS OVERVIEW ONAL PILLARS
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: PFS at a Glance
PFS AT A GLANCE Focus on sustainable finance by offering diversified, customer-centric solutions tailored to infrastructure sector Focus Areas: 1. Electric Vehicle Mobility 2. Water Treatment Projects ₹ 4,313 Crore 3. Renewable Projects and allied activities Loan Assets for Q1 FY26 4. Power Transmis
Slide 6: Shareholder Information
SHAREHOLDER INFORMATION Shareholding Pattern (as on June 30, 2025) 26.24% Top Shareholders (as on June 30, 2025) PTC India Limited 64.99% 2.22% Domestic Institutional Investors 5.08% 1.41% 64.99% FPI (Category I + Category II) 2.22% 3.67% PTC India Limited Mutual Funds Insurance Companies FPI (Categ
Slide 7: Board of Directors
BOARD OF DIRECTORS Mr. Manoj Kumar Jhawar Mr. R Balaji Non-Executive Chairman MD & CEO Seasoned business leader with over 30 years of CMD at PTC India Limited experience including key leadership roles in the financial sector Ms. PV Bharathi Mr. Dilip Srivastava Independent Director DF & CFO Ex-WTD &
Slide 8: Key Financial Metrics - Quarterly Snapshot
KEY FINANCIAL METRICS- QUARTERLY SNAPSHOT TOTAL INCOME (₹ Crs) PAT (₹ Crs) DISBURSEMENTS (₹ Crs) +135% 566 -8.37% +176% 136.63 161.21 155.24 58.17 138 142.24 44.4 50 Q1FY25 Q4FY25 Q1FY26 Q1FY25 Q4FY25 Q1FY26 Q1FY25 Q4FY25 Q1FY26 RETURN ON ASSETS (%) GROSS STAGE III (₹ Crs) AUM (₹ Crs) -38.11% -8.91%
Slide 9: Business Overview
BUSINESS OVERVIEW PIC India
Slide 10: Annual Operational Performance
ANNUAL OPERATIONAL PERFORMANCE SECTOR WISE OUTSTANIDNG Q4 FY25 Q1 FY26 7% 8% 7% 20% 5% 20% 4% 3% 13% 13% 41% 43% 7% 8% TOTAL- ₹ 4,735 Cr TOTAL- ₹ 4,313 Cr Renewable Sustainable Infra Transmission Road Distribution Thermal Other* Renewable Sustainable Infra Transmission Road Distribution Thermal Othe
Slide 11: Portfolio Break Up
PORTFOLIO BREAK UP STATE UTILITIES VS NON-STATE UTILITIES AUM Break-Up Focus on private enterprises, with >90% of fresh proposals coming 01 from private sector 63.76% 61.37% 02 100% disbursements in Q1 FY26 to private corporates 38.63% 36.24% State Utility exposure to be a third of the book size in
Slide 12: Blueprint for Future
BLUEPRINT FOR FUTURE FY26 – Continuity in Change Back to Growth 1. Improve Asset Quality 2. De-risk Portfolio by reducing portfolio Reviving Growth concentration Momentum: Propelling 3. Focus on Distributed Infrastructure Future 4. Strengthening Governance & Risk Management 5. Resource diversificati
Slide 13: Q1 FY26 Highlights
Q1 FY26 HIGHLIGHTS Strengthened Leadership to Drive Growth Significant Improvement in Portfolio Quality - Director (Operations) - Business Head SME -Three legacy assets (accounting for majority of - CIO Gross Stage III) resolved/being resolved Increased Business Traction -Disbursement momentum led b
Slide 14: Transformational Pillars
TRANSFORMATIONAL PILLARS PILLAR 1 Stringent Underwriting Parameters & Resilient Business Model 1 PILLAR 2 Granular Lending & Diversified Book 2 PILLAR 3 3 Asset Quality 4 PILLAR 4 Robust and well structured ALM 5 PILLAR 5 Sustainability and ESG focus 13
Slide 15: Asset Quality
ASSET QUALITY In ₹ Crore No new slippages in Q1 FY26; all loan accounts disbursed since 01 FY18 are classified as STANDARD 767 764 750 711 02 Two accounts resolved; one in advanced stages of resolution 441 03 Provision Coverage Ratio for Stage III assets is at 62% in Q1 FY26 292 283 280 284 167 30-J
Slide 16: Two Accounts Constitute 94.54% of Stressed Assets
TWO ACCOUNTS CONSTITUTE 94.54% OF STRESSED ASSETS KEY ACCOUNTS Gross Loan Provision Net Exposure Other Loan Accounts Task Road Map (in ₹ Cr) (in ₹ Cr) (in ₹ Cr) Vento Power Infra Power Ltd 135 61 74 • LoI accepted for a gross transaction value of Rs.115.61 Crs • AP High Court vacated 2020 & 2022 sta
Slide 17: Positive Cash Flows Across ALM Buckets
POSITIVE CASH FLOWS ACROSS ALM BUCKETS STRUCTURED LIQUIDITY STATEMENT AS ON JUNE 30, 2025 LIQUIDITY COVERAGE RATIO In ₹ Crs 455% 920 965 896 1,429 4242 350% 323% 2813 2356 1846 1502 1460 122% 881 75% 95% 583 85% Upto 3M Upto 6M Upto 1Y Upto 3Y Q3FY24 Q4FY24 Q1FY25 Q2FY25 Q3FY25 Q4FY25 Q1FY26 Cumulat
Slide 18: Sustainability and ESG Focus
SUSTAINABILITY AND ESG FOCUS • Focus on Green & • CSR initiatives of the • Board independence and SOCIAL ENVIRONMENTAL GOVERNANCE Sustainable company are in line with diversity Finance philosophy • Disclosure practices: • Integrated ESMS • Established Mobility BRSR/ Sustainability into credit due En
Slide 19: Q1 FY26 CSR Initiative
Q1 FY26 CSR INITIATIVE Lab Inauguration Visit at IISc Bangalore
Slide 20: Financials
PIS FINANCIALS (Classification: Confidential
Slide 21: Key Balance Sheet Indicators
KEY BALANCE SHEET INDICATORS Q1 FY26 Q4 FY25 Q1 FY25 Particulars FY 25 206 100 500 Loan Sanctioned (₹ Crs) 825 138 50 566 Loan Disbursed (₹ Crs) 916 4,313 4,735 5,581 Loan Assets (₹ Crs)* 4,735 64.96 59.57 41.39 Capital Adequacy Ratio (%) 59.57 * Includes loan, loan converted debenture, interest acc
Slide 22: Results Overview
RESULTS OVERVIEW Q1 FY26 Q4 FY25 Q1 FY25 Particulars FY 25 142.24 155.24 161.22 Total Income (₹ Crs) 638.00 146.31 75.11 59.34 Profit before tax (₹ Crs) 278.52 Tax expense (₹ Crs) 9.68 16.94 14.94 61.47 (including deferred tax) 136.63 58.17 44.40 Profit after tax (₹ Crs) 217.05 71.31 75.12 71.49 Net
Slide 23: Key Operational Indicators
KEY OPERATIONAL INDICATORS Q1 FY26 Q4 FY25 Q1 FY25 Particulars FY 25 Yield on Earning Loan (%) 11.05 11.27 11.39 11.40 (Stage 1 + Stage 2 loans only) Interest Spread Adj (%) 1.38 1.58 2.09 1.92 (Stage 1 + Stage 2 loans only) Net Interest Margin (%) 4.63 4.68 3.45 4.25 (Stage 1 + Stage 2 loans only)
Slide 24: Yield on Assets and Cost of Funds
YIELD ON ASSETS AND COST OF FUNDS 11.38% 11.53% 11.39% 11.47% 11.42% 11.27% 11.05% 9.57% 9.69% 9.67% 9.12% 9.30% 9.43% 8.89% 2.49% 2.41% 2.09% 2.04% 1.85% 1.58% 1.38% Q3 FY24 Q4 FY24 Q1 FY25 Q2 FY25 Q3 FY25 Q4 FY25 Q1FY26 Yield on assets Cost of funds Spread *Yield on Earning portfolio includes Stag
Slide 25: Thank You
Thank You Priya Chaudhary – VP Investor Relation Email: priya.chaudhary@ptcfinancial.com 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 — Q1 FY26 Earnings Presentation on 6ix