Poonawalla Fincorp Reports Strong Q3FY26 Results, Approves ₹5,500 Crore Fundraising

Poonawalla Fincorp Limited delivered exceptional financial performance in Q3FY26, demonstrating strong operational momentum and strategic growth initiatives. The non-banking financial company announced its quarterly results for the period ended December 31, 2025, alongside significant corporate developments approved by the Board of Directors.

Strong Financial Performance in Q3FY26

The company reported remarkable growth across key financial metrics for the quarter ended December 31, 2025. Net profit after tax surged dramatically to ₹150.22 crores, representing a substantial 702% increase compared to ₹18.73 crores in the corresponding quarter of the previous year.

Financial Metric	Q3FY26	Q3FY25	Growth (%)
Total Income	₹1,818.48 cr	₹1,057.17 cr	+72.0%
Interest Income	₹1,659.65 cr	₹999.09 cr	+66.1%
Net Profit After Tax	₹150.22 cr	₹18.73 cr	+702.0%
Earnings Per Share (Basic)	₹1.86	₹0.24	+675.0%

Total revenue from operations reached ₹1,818.42 crores, marking a 72% year-on-year growth from ₹1,057.03 crores. Interest income, the primary revenue driver, grew 66% to ₹1,659.65 crores, reflecting the company's expanding loan portfolio and improved asset quality.

Nine-Month Performance Shows Consistent Growth

For the nine months ended December 31, 2025, the company demonstrated sustained performance improvement. Total income increased to ₹4,675.26 crores compared to ₹3,049.53 crores in the corresponding period of FY25. The company achieved a net profit of ₹287.02 crores for the nine-month period, a significant turnaround from the loss of ₹160.67 crores in the previous year.

Nine-Month Metrics	FY26 (9M)	FY25 (9M)	Change
Total Income	₹4,675.26 cr	₹3,049.53 cr	+53.3%
Interest Income	₹4,247.22 cr	₹2,806.03 cr	+51.3%
Net Profit/(Loss)	₹287.02 cr	₹(160.67) cr	Positive turnaround
Basic EPS	₹3.65	₹(2.08)	Positive turnaround

Comprehensive Capital Raising Strategy

The Board of Directors approved a significant capital raising plan of up to ₹5,500 crores through qualified institutional placement and other permissible modes. This fundraising initiative will be conducted in one or more tranches through domestic or international offerings, subject to shareholder approval and regulatory clearances. Additionally, the Board approved raising funds through non-convertible debt securities on private placement basis for up to ₹20,000 crores for FY2026-27, with authority delegated to the Finance Committee.

Fundraising Details	Specifications
Equity Fundraising	Up to ₹5,500 crores
Method	QIP and other permissible modes
NCD Issuance	Up to ₹20,000 crores
NCD Basis	Private placement
Approval Required	Shareholders' approval

Leadership Enhancement with New Executive Director

The company strengthened its leadership team with the appointment of Vikas Pandey as Additional Director and Whole-time Director (Executive Director) for a five-year term, effective January 16, 2026. Pandey brings over two decades of experience in retail banking, distribution, and business management, having previously served in senior roles at HDFC Bank.

Appointment Details	Information
Name	Vikas Pandey
Position	Executive Director
Term	5 years
Effective Date	January 16, 2026
Background	20+ years in retail banking

Pandey has been instrumental in launching five new businesses at Poonawalla Fincorp and building robust distribution engines. His appointment is subject to shareholder approval through postal ballot process.

Operational Highlights and Asset Quality

The company's operational performance reflected improved efficiency and asset quality management. Finance costs increased to ₹738.71 crores in Q3FY26 from ₹385.02 crores in Q3FY25, primarily due to business expansion. Impairment on financial instruments decreased to ₹295.47 crores from ₹347.87 crores year-on-year, indicating better asset quality.

Employee benefits expenses grew to ₹284.94 crores, reflecting the company's expansion and team building efforts. The company maintained a gross Stage 3 percentage of 1.51% and net Stage 3 percentage of 0.80%, demonstrating effective risk management practices.

During the nine months ended December 31, 2025, the company issued 33,148,102 equity shares through preferential allotment to Rising Sun Holdings Private Limited at ₹452.51 per share, raising approximately ₹15,000 crores. The company also allotted 1,466,607 equity shares to employees under various stock option plans, reflecting its commitment to employee participation in growth.

1 Day	5 Days	1 Month	6 Months	1 Year	5 Years
-1.55%	-1.37%	+2.77%	+2.07%	+50.22%	+952.04%

Poonawalla Fincorp is considering raising funds through share issuance, with the proposal being evaluated on January 16. The financial services company is exploring equity financing options as part of its capital management strategy.

Fund Raising Proposal

The company has announced its consideration of raising funds through the issuance of shares. This development represents a potential equity financing initiative that could impact the company's capital structure.

Parameter:	Details
Proposal Type:	Fund raising through share issuance
Consideration Date:	January 16
Method:	Equity financing

Strategic Implications

The consideration of share issuance indicates the company's focus on strengthening its financial position. This potential equity financing could provide additional capital for business operations and growth initiatives.

The timing of this consideration on January 16 suggests a structured approach to evaluating the fund raising proposal. The company appears to be exploring various financing options to meet its capital requirements.

Market Context

This announcement reflects the company's proactive approach to capital management. The consideration of share issuance demonstrates the management's evaluation of different funding mechanisms to support business objectives.

The proposal evaluation scheduled for January 16 indicates a systematic decision-making process regarding the potential equity financing initiative.