Poonawalla Fincorp Limited has announced its investor and analyst presentation for the quarter and nine months ended December 31, 2025, showcasing robust financial performance and strategic growth initiatives. The company filed this presentation under Regulation 30 of SEBI Listing Regulations on January 16, 2026.

Strong Financial Performance in Q3FY26

The company delivered impressive financial metrics during the third quarter of FY26, demonstrating strong momentum across key parameters:

The strong AUM growth of 78% year-on-year reflects the company's successful expansion strategy and market penetration across diverse product segments.

Enhanced Asset Quality Performance

Poonawalla Fincorp demonstrated continued improvement in asset quality metrics during Q3FY26, reflecting the effectiveness of its risk management framework:

The sequential improvement in both gross and net Stage 3 assets indicates robust credit underwriting standards and effective collection mechanisms.

Capital Augmentation and Growth Strategy

Poonawalla Fincorp has undertaken significant capital strengthening measures to support its ambitious growth plans. The company raised ₹1,500.00 crores from promoters during Q2FY26, demonstrating strong promoter confidence in the business model.

This capital infusion positions the company to continue its aggressive growth trajectory while maintaining healthy leverage ratios.

Product Portfolio Diversification

The company has successfully diversified its product portfolio, with new products contributing significantly to business growth. New products contributed 20% to total disbursements during Q3FY26, including:

The existing product portfolio continues to perform well, with Loan Against Property representing the largest segment at ₹15,077.00 crores (27.40% of AUM), followed by Consumer Loans at ₹9,805.00 crores (17.80% of AUM).

Technology and AI Integration

Poonawalla Fincorp has implemented comprehensive AI and digital transformation initiatives, with 57 AI solutions deployed across various functions. Of these, 30 solutions have been successfully delivered while 27 are underway. The AI implementations span multiple areas including Credit & Risk Management (8 solutions), HR Operations (9 solutions), Operations (7 solutions), Audit and Compliance (6 solutions), Customer Service (5 solutions), and Finance (5 solutions). These technology initiatives aim to improve risk efficiency, enhance productivity, and deliver superior customer experience while supporting the company's scale ambitions.

Poonawalla Fincorp Limited announced a major capital-raising plan of up to ₹25,500 crores alongside reporting exceptional Q3 FY26 financial results. The company's board meeting held on January 16, 2026, approved comprehensive fundraising initiatives, delivered strong quarterly performance, and made key leadership appointments to support future growth.

Outstanding Financial Performance in Q3 FY26

The company delivered remarkable financial results for Q3 FY26, showcasing significant improvement across all key metrics. Net profit surged eight-fold year-on-year and more than doubled sequentially, demonstrating strong operational leverage and business momentum.

For the nine months ended December 31, 2025, the company achieved total income of ₹4,675.26 crores compared to ₹3,049.53 crores in the corresponding period of the previous year. The company reported a net profit of ₹287.02 crores for the nine-month period, a remarkable turnaround from the net loss of ₹160.67 crores in the same period last year.

Comprehensive Fundraising Strategy Worth ₹25,500 Crores

The board approved an ambitious fundraising plan combining equity and debt instruments to strengthen the company's capital base for scaling up lending operations. The equity component will support growth initiatives while debt securities will provide flexible funding options.

The equity raise may be undertaken through domestic or international offerings via qualified institutional placement or other permissible routes, subject to shareholder approvals. The debt issuance will include a mix of secured and unsecured instruments, including bonds and subordinated debt, with flexibility on tenure and structure.

Strong Revenue Growth Across Key Segments

The company's revenue growth was driven by substantial increases across all income streams, with interest income and fees showing particularly strong momentum. Net interest income growth of 50% year-on-year highlights the company's expanding lending portfolio and improving yields.

Leadership Enhancement and Asset Quality Metrics

The board approved the appointment of Vikas Pandey as Additional Director and Whole-time Director for a five-year term, effective January 16, 2026, subject to shareholder approval. Pandey brings over two decades of experience in retail banking and has been instrumental in launching five new businesses at Poonawalla Fincorp.

The company maintained healthy asset quality indicators and reported strong operational metrics, including assets under management growth of 77.50% year-on-year to around ₹55,000 crores as of December 31, 2025.

The company's shares closed 1.55% lower at ₹463.95 ahead of the results announcement, though the stock has gained 4.94% over the past month. Notices seeking shareholder approvals for the proposed equity fundraising and board appointment will be issued via the postal ballot process.