PB Fintech Limited has delivered exceptional financial performance in its third quarter, with consolidated net profit surging significantly year-on-year alongside remarkable EBITDA growth. The company's board meeting held on February 02, 2026, approved the quarterly results that demonstrate strong operational momentum and improved profitability across business segments.

Outstanding Financial Performance

The company's financial metrics show robust growth across key parameters, with particularly impressive EBITDA performance reflecting enhanced operational efficiency and margin expansion.

Operational Efficiency and Margin Expansion

The company's EBITDA performance stands out as a key highlight, with earnings jumping from ₹276 million to ₹1.6 billion year-on-year. The EBITDA margin expansion from 2.14% to 8.96% demonstrates significant operational leverage and improved cost management across the organization.

Board Meeting and Regulatory Compliance

The Board of Directors meeting scheduled for February 02, 2026, successfully reviewed and approved the unaudited standalone and consolidated financial results for the quarter and nine months ended December 31, 2025. The company maintained full compliance with Regulation 29 of the Securities and Exchange Board of India (Listing Obligation and Disclosure Requirement) Regulations, 2015.

Trading Window and Market Information

Following the company's earlier communication dated December 30, 2025, the trading window for designated persons and their immediate relatives remained closed until February 04, 2026, ensuring compliance with insider trading regulations. The company has fulfilled its disclosure obligations under SEBI LODR Regulation 46 by uploading relevant documents on its official website at www.pbfinfotech.in .

PB Fintech Limited's strong quarterly performance, highlighted by exceptional EBITDA growth and margin expansion, reflects the company's continued growth trajectory and operational excellence in the financial technology sector.

PB Fintech Limited has filed its quarterly monitoring agency report for Q3FY26, detailing the utilization of proceeds from its initial public offering (IPO) for the quarter ended December 31, 2025. The report, mandated under Regulation 32 of SEBI's Listing Obligations and Disclosure Requirements Regulations, 2015, was prepared by ICICI Bank Limited serving as the monitoring agency.

IPO Proceeds Utilization Overview

The company's IPO, conducted from November 1-3, 2021, raised ₹57,097.15 million through equity shares. After revisions and finalization of expenses, the total proceeds allocated for specific objects amount to ₹36,126.85 million.

Object-wise Fund Allocation and Progress

The monitoring agency report reveals the current status across all five stated objects of the IPO:

The company has fully utilized funds allocated for brand enhancement, strategic investments, and general corporate purposes. The remaining unutilized amount of ₹2,211.28 million is primarily from growth initiatives (₹1,902.07 million) and international expansion (₹309.21 million).

Object Modifications and Timeline Extension

During the quarter ended March 31, 2025, PB Fintech altered its IPO objects and extended the utilization timeline to March 31, 2026, through a special resolution approved via postal ballot. The modifications included reallocating ₹4,235.19 million from strategic investments and international expansion towards growth initiatives to expand the consumer base including offline presence.

Deployment of Unutilized Proceeds

The unutilized IPO proceeds of ₹2,211.28 million have been invested in fixed deposits with scheduled commercial banks:

Compliance and Monitoring Agency Assessment

ICICI Bank Limited, as the monitoring agency, confirmed that all utilization aligns with disclosures in the offer document. The agency reported no deviations from the stated objects, no changes in means of finance, and no unfavorable events affecting object viability. All required government and statutory approvals related to the objects have been obtained.

General Corporate Purposes Utilization

The ₹7,626.85 million allocated for general corporate purposes has been fully utilized, primarily for salary expenses (₹7,613.79 million) and rent expenses for call centers and non-retail operations (₹13.06 million). This represents complete deployment of funds designated for operational requirements.

The monitoring agency report confirms PB Fintech's adherence to regulatory requirements and proper utilization of IPO proceeds in accordance with stated objectives, with the remaining funds securely invested until deployment.