Ptc India Financial Services Limited · NSE:PFS
Ptc India Financial Services — Q3 FY26 Earnings Presentation
26 slides from Ptc India Financial Services's earnings presentation, Jan 20, 2026
Slide 1: Cover letter to stock exchanges on investor presentation
January 20, 2026 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 R
Slide 2: Investing in Impact, Powered by Purpose - Investor Presentation
INVESTING IN IMPACT POWERED BY PURPOSE B INVESTOR PRESENTATION C D E January 2026
Slide 3: Table of Content
TABLE OF CONTENT 03. PFS Overview Key Performance 07. Highlights 04. Executive Summary 09. Business Overview 05. Shareholder Information 10. Q3 FY26 Highlights 06. Board of Directors 20. Financials
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 – Q3 FY26
EXECUTIVE SUMMARY – Q3 FY26 Empowering sustainable infrastructure transformation through agile, impact-oriented financing Focus Areas: 1. Electric Vehicle Mobility 2. Water Treatment Projects ₹3,503 Crores 3. Renewable Projects and allied activities Loan Assets for Q3 FY26 4. Power Transmission ₹49
Slide 6: Shareholder Information
SHAREHOLDER INFORMATION Shareholding Pattern (as on December 31, 2025) 26.44% Top Shareholders (as on December 31, 2025) PTC India Limited 64.99% 1.34% Domestic Institutional Investors 5.06% 64.99% 2.17% FPI (Category I + Category II) 2.17% 1.41% 3.65% PTC India Limited Mutual Funds Insurance Compan
Slide 7: Board of Directors
BOARD OF DIRCTORS Mr. Manoj Kumar Jhawar Mr. R Balaji Non-Executive Chairman MD & CEO CMD at PTC India Limited Business leader with 3 decades of experience including key leadership roles in the financial sector Mr. Manas R. Mohanty Ms. Mini Ipe Independent Director Independent Director Ex-RBI offici
Slide 8: Key Performance Highlights – Q3 FY26
KEY PERFORMANCE HIGHLIGHTS – Q3 FY26 TOTAL INCOME (₹ Crs) PAT (₹ Crs) DISBURSEMENTS (₹ Crs) 13 QTR 609 88 HIGH 158 132 125 67 49 300 326 Q3 FY25 Q2 FY26 Q3 FY26 Q3 FY25 Q2 FY26 Q3 FY26 Q3 FY25 Q2 FY26 Q3 FY26 RETURN ON ASSETS (%) GROSS STAGE III (₹ Crs) LOAN SANCTIONED (₹ Crs) 750 6.5 1188 1048 11 Q
Slide 9: Key Performance Highlights – 9M FY26
KEY PERFORMANCE HIGHLIGHTS – 9M FY26 TOTAL INCOME (₹ Crs) PAT (₹ Crs) DISBURSEMENTS (₹ Crs) 1073 +24% 274 866 483 399 159 9M FY25 9M FY26 9M FY25 9M FY26 9M FY25 9M FY26 ROA (%) NIM (%) LOAN SANCTIONED (₹ Crs) 4.39 2442 6.73 +237% 3.41 3.94 725 9M FY25 9M FY26 9M FY25 9M FY26 9M FY25 9M FY26 *annual
Slide 10: Business Overview
BUSINESS OVERVIEW PIC India
Slide 11: Q3 FY26 Highlights
Q3 FY26 HIGHLIGHTS • Board/Board Committees re-constituted • Strong business performance driven by a strengthened management, enabling sharper execution • Cumulative disbursements in 9M FY26 exceeds total disbursements in FY25 • Q3 FY26 disbursements at a 13 quarter high, exceeds H1 FY26 levels; acc
Slide 12: Q3 FY26 Highlights Contd
Q3 FY26 HIGHLIGHTS CONTD…. • Loan sanctions of ₹1,188 crores in Q3 FY26, reflecting sustained business momentum • Loan sanctions exceeded ₹1,000+ crores in two consecutive quarters, after17 quarters • Granular portfolio approach increasingly visible across disbursements and pipeline • Higher focus o
Slide 13: Portfolio Break Up – Q3 FY26
PORTFOLIO BREAK UP – Q3 FY26 STATE UTILITIES VS NON-STATE UTILITIES AUM Break-Up (in %) Execution aligned with strategy- 100% of Q3 FY26 disbursements to 01 private corporates, underscoring management’s commitment 64% 59% 61% 60% 58% 56% 56% Strong pipeline from private corporates, with over 90% of
Slide 14: Private Sector Disbursement Trend
PRIVATE SECTOR DISBURSEMENT TREND Rolling 12-Month Disbursements (in ₹ Crores) 1123 514 312 297 296 261 188 85 Q4 FY24 Q1 FY25 Q2 FY25 Q3 FY25 Q4 FY25 Q1 FY26 Q2 FY26 Q3 FY26 13
Slide 15: Operational Performance – Q3 FY26
OPERATIONAL PERFORMANCE – Q3 FY26 SECTOR WISE OUTSTANIDNG Q2 FY26 Q3 FY26 9% 1% 12% 21% 26% 12% 4% 3% 13% 47% 9% 5% 33% 5% TOTAL- ₹ 3,697 Crores TOTAL- ₹ 3,503 Crores Renewable Sustainable Infra* Transmission Road Renewable Sustainable Infra* Transmission Road Distribution Thermal Others** Distribut
Slide 16: Blueprint for Future
BLUEPRINT FOR FUTURE FY26 – 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 17: 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 16
Slide 18: Asset Quality
ASSET QUALITY Significant improvement in asset quality; Gross Stage III reduced In ₹ Crores 01 by over 80% since March 2023 1,009 02 Improvement in asset quality driven by recoveries 769 711 03 Provision Coverage Ratio for Stage III assets at 76% in Q3 FY26 556 441 295 284 04 No new slippages in Q3
Slide 19: Positive Cash Flows Across ALM Buckets
POSITIVE CASH FLOWS ACROSS ALM BUCKETS Structured Liquidity Statement as on December 31, 2025 Liquidity Coverage Ratio In ₹ Crores 314 171 1,016 1,555 455% 4107 323% 2566 2552 1550 181% 1252 1081 122% 116% 686 372 Upto 3M Upto 6M Upto 1Y Upto 3Y Q3FY25 Q4FY25 Q1FY26 Q2FY26 Q3FY26 Cumulative Total In
Slide 20: 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 21: Financials
PIS FINANCIALS
Slide 22: Key Balance Sheet Indicators
KEY BALANCE SHEET INDICATORS Q3 FY26 Q2 FY26 Q3 FY25 Particulars 9M FY26 9M FY25 FY 25 1,188 1,048 225 Loan Sanctioned (₹ Crs) 2,442 725 825 609 326 300 Loan Disbursed (₹ Crs) 1,073 866 916 3,503 3,697 5,178 Loan Assets (₹ Crs)* 3,503 5,178 4,735 71.21 62.63 57.36 Capital Adequacy Ratio (%) 71.21 57
Slide 23: Results Overview
RESULTS OVERVIEW Q3 FY26 Q2 FY26 Q3 FY25 Particulars 9MFY 26 9M FY25 FY 25 125 132 158 Total Income (₹ Crs) 399 483 638 64 118 81 Profit before tax (₹ Crs) 328 203 279 Tax expense (₹ Crs) 15 29 14 54 45 61 (including deferred tax) 49 88 67 Profit after tax (₹ Crs) 274 159 217 52 62 79 Net Interest I
Slide 24: Key Operational Indicators
KEY OPERATIONAL INDICATORS Q3 FY26 Q2 FY26 Q3 FY25 Particulars 9MFY 26 9M FY25 FY 25 Net Interest Margin (%) 3.80 4.59 4.46 4.39 3.94 4.25 (Stage 1 + Stage 2 loans only) 20 18.04 17.71 Cost to Income Ratio (%) 17.55 14.14 13.93 0.66 0.76 1.15 Debt Equity Ratio (Times) 0.66 1.15 1.03 6.78 12.30 10.09
Slide 25: Yield on Assets and Cost of Funds
YIELD ON ASSETS AND COST OF FUNDS 11.42% 11.27% 11.08% 11.23% 10.57% 9.57% 9.69% 9.67% 9.49% 9.45% 1.85% 1.58% 1.41% 1.74% 1.12% Q3 FY25 Q4 FY25 Q1 FY26 Q2 FY26 Q3 FY26 Yield on Assets Cost of funds Spread *Yield on Earning portfolio (Stage 1 + Stage 2 loans) Prioritizing high-quality private sect
Slide 26: 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 — Q3 FY26 Earnings Presentation on 6ix