Poonawalla Fincorp Limited has delivered exceptional financial performance for the nine months ended December 31, 2025, marking a significant turnaround in its business operations. The non-banking financial company reported comprehensive growth across key financial metrics, demonstrating strong operational efficiency and strategic execution.

Financial Performance Overview

The company's financial results showcase remarkable improvement across all major parameters. Total income surged to ₹4,675.26 crores for the nine months ended December 31, 2025, representing substantial growth from ₹3,049.53 crores in the corresponding period of 2024.

Revenue Composition and Growth

The company's revenue streams demonstrated strong performance across categories. Interest income, the primary revenue driver, reached ₹4,247.22 crores compared to ₹2,806.03 crores in the previous year. Fees and commission income also showed robust growth, increasing to ₹281.00 crores from ₹125.20 crores.

Balance Sheet Strength

The company's balance sheet reflects substantial growth and improved asset quality. Total assets expanded significantly to ₹54,183.17 crores as of December 31, 2025, compared to ₹35,029.94 crores as of March 31, 2025. The loan portfolio, representing the core business, grew to ₹51,106.95 crores from ₹32,694.96 crores.

Operational Efficiency Improvements

The company demonstrated significant improvements in operational efficiency and cost management. Total expenses increased to ₹4,292.72 crores from ₹3,265.15 crores, but the growth was proportionally lower than revenue growth, indicating improved operational leverage.

Finance costs rose to ₹1,922.61 crores from ₹1,056.71 crores, reflecting the expanded business scale. However, impairment on financial instruments decreased substantially to ₹794.22 crores from ₹1,299.99 crores, suggesting better asset quality management.

Earnings Per Share Performance

The company's earnings per share showed remarkable improvement, with basic earnings per share reaching ₹3.65 compared to a loss per share of ₹2.08 in the previous year. Diluted earnings per share stood at ₹3.64, reflecting the positive impact of the company's turnaround strategy.

Capital Structure and Funding

The company strengthened its capital position through strategic fundraising initiatives. During the period, Poonawalla Fincorp issued 33,148,102 fully paid-up equity shares at ₹452.51 per share through preferential allotment to Rising Sun Holdings Private Limited, raising approximately ₹15,000 crores.

Debt securities increased significantly to ₹13,740.05 crores from ₹1,663.99 crores as of March 31, 2025, while borrowings other than debt securities grew to ₹28,283.02 crores from ₹23,978.97 crores, supporting the expanded lending operations.

Future Outlook and Strategic Initiatives

The Board of Directors approved a proposal to raise funds through qualified institutional placement for up to ₹5,500 crores, subject to regulatory approvals. This initiative demonstrates the company's commitment to further strengthening its capital base and supporting future growth plans.

The financial statements were approved by the Committee of Directors on April 9, 2026, and have been recommended by the Audit Committee. The results reflect the company's successful execution of its strategic initiatives and position it well for continued growth in the competitive NBFC sector.

Poonawalla fincorp Limited has announced the grant of 9,30,000 stock options under its Employee Stock Option Plan-2024 Scheme-II, marking another significant step in the company's employee incentivization program. The Nomination and Remuneration Committee of the Board of Directors approved this grant on April 08, 2026.

Stock Option Grant Details

The committee granted the stock options to eligible employees under Tranche-40 of the ESOP-2024 Scheme-II program. The key parameters of this grant are structured as follows:

Vesting and Compliance Framework

The granted stock options will vest according to the vesting schedule specified in the ESOP-2024 Scheme-II documentation. The company has ensured that this grant aligns with the provisions of the SEBI (Share Based Employee Benefits & Sweat Equity) Regulations, 2021, as amended from time to time.

The announcement was made pursuant to Regulation 30 of the SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015, demonstrating the company's commitment to regulatory compliance and transparency in corporate governance.

Corporate Communication

The formal notification was communicated to both the National Stock Exchange of India Limited and BSE Limited on April 08, 2026. Company Secretary Shabnum Zaman signed the disclosure document, ensuring proper documentation and regulatory adherence for this employee benefit initiative.

This stock option grant represents Poonawalla Fincorp's continued focus on employee retention and motivation through equity participation programs, allowing eligible employees to benefit from the company's long-term growth prospects.