Poonawalla Fincorp Limited has reported Assets Under Management (AUM) of approximately ₹67,000 crore as of June 30, 2026, with liquidity standing at approximately ₹4,000 crore. This business update for the quarter ended June 30, 2026, reflects continued growth following a strong FY26 performance where AUM had surged 69.4% year-on-year to ₹60,348 crore as of March 31, 2026. The company emphasized its risk-first approach and commitment to building a long-term sustainable profitable model while scaling operations. The figures are provisional and subject to limited review by the statutory auditors of the company.

Latest Business Update

Poonawalla Fincorp's AUM has continued its growth trajectory into the current financial year, reaching approximately ₹67,000 crore as of June 30, 2026. Liquidity as of the same date stood at approximately ₹4,000 crore. The updated figures reflect continued momentum following the company's strong FY26 performance and the successful capital raise of ₹2,500 crore through Qualified Institutional Placement (QIP) in April 2026.

FY26 Financial Highlights

The company delivered a strong financial performance in FY26, returning to profitability with a Profit After Tax (PAT) of ₹541.81 crore compared to a loss of ₹98.34 crore in the previous year. Total Income on a standalone basis increased to ₹6,795.65 crore in FY 2025-26 from ₹4,222.84 crore in FY 2024-25. Net Interest Income (NII), including fees and other income, grew to ₹4,028.98 crore from ₹2,707.75 crore. The Board decided not to recommend a dividend for FY 2025-26, opting to conserve capital for future growth.

The company's Capital to Risk-weighted Assets Ratio (CRAR) stood at 16.83% as of March 31, 2026, above the regulatory minimum of 15%. Following the QIP capital raise, the simulated CRAR was 20.74% on the basis of the March 31, 2026 balance sheet.

Business and Portfolio Performance

The company's diversified portfolio of 13 loan products contributed to robust AUM growth. Newly introduced products — comprising Prime Personal Loan, Gold Loan, Education Loan, Consumer Durable Loan, Commercial Vehicle Loan, and Shopkeeper Loan — contributed ₹8,298 crore, or 14% of AUM, as of March 31, 2026. The on-book secured-unsecured mix stood at 54:46. The company maintained strong credit ratings of CRISIL AAA/Stable and CARE AAA/Stable for long-term instruments, and CRISIL A1+/CARE A1+ for short-term instruments. The average cost of borrowings declined to 7.73% in FY 2025-26 from 8.09% in FY 2024-25, reflecting improved funding efficiency.

AGM and Key Meeting Details

The 46th AGM will be conducted without the physical presence of members at a common venue. Members can attend and participate only through the VC/OAVM facility provided by NSDL. To ensure receipt of the notice and annual report, members are requested to register or update their email addresses with their Depository Participant (DP) for demat holdings or with the RTA, MUFG Intime India Private Limited (Formerly Link Intime India Private Limited), for physical holdings.

Regulatory Mandates and IEPF Compliance

Pursuant to the SEBI (Fifth Amendment) Regulations, 2025, dated November 19, 2025, the company has mandated that payments of dividends, interest, redemption, or repayment amounts must be made only in electronic mode. Shareholders and debenture-holders are requested to update their bank account details to ensure direct credit of these amounts. Equity shareholders are requested to claim any unclaimed or unpaid dividends for the financial years 2018-19 to 2024-25 by logging their request with the RTA on or before August 21, 2026. Failure to claim these amounts by the specified date will result in the transfer of funds to the Investor Education and Protection Fund (IEPF). Forms for updating PAN, KYC, bank details, and nomination (ISR-1, ISR-2, ISR-3, SH-13) are available on the company's website and the RTA's website.

Poonawalla Fincorp has allotted 50,000 secured, redeemable, non-convertible debentures (NCDs) aggregating ₹500.01 crore through private placement on July 03, 2026. The issuance, designated as PFL NCD Series ‘D1’ FY2026-27, carries a coupon rate of 8.0568% per annum and aims to raise funds while offering secured returns to investors.

The Finance Committee, via a resolution dated July 03, 2026, authorized by the Board of Directors, approved the allotment of these instruments. Each debenture has a face value of ₹1,00,000, amounting to a total base value of ₹500 crore, with a premium of ₹1,90,000 taking the total issue size to ₹500,01,90,000.

The NCDs have a tenure of 850 days, equivalent to 2 years and 4 months, with a maturity date set for October 30, 2028. The obligations under these debentures are secured by way of a first ranking pari passu charge on hypothecated properties, sufficient to provide the required security cover until the redemption date.

In the event of a delay in payment of interest or principal for more than three months, the company will pay a penalty interest rate of 2% over and above the applicable coupon rate for the period until the default is cured to the satisfaction of the Debenture Trustee.

The debentures will be listed on the Debt Market Segment of BSE Limited, providing liquidity to investors. The payment schedule for coupon interest and principal is detailed in the Key Information Document dated July 02, 2026.

Key Details of the Allotment