PTC India Financial Services Limited announced its unaudited financial results for the quarter and nine months ended December 31, 2025, showcasing mixed performance with strong nine-month results despite quarterly challenges. The Board of Directors approved these results in their meeting held on January 20, 2026.

Financial Performance Overview

The company's financial performance for Q3FY26 showed a decline in quarterly metrics while demonstrating robust nine-month growth. Total income for the quarter decreased to ₹125.04 crores from ₹158.12 crores in Q3FY25, primarily due to lower interest income and reduced revenue from operations.

Nine-Month Performance Highlights

Despite quarterly challenges, the nine-month performance demonstrated significant improvement across key metrics. The company achieved substantial growth in profitability and maintained strong operational efficiency.

Revenue Composition and Operational Metrics

The company's revenue structure remained diversified across multiple income streams. Interest income continued to be the primary revenue driver, contributing ₹110.06 crores in Q3FY26. Net gain on fair value changes added ₹10.81 crores to quarterly revenue, while fee and commission income contributed ₹0.08 crores.

Expense Management and Profitability

Total expenses for Q3FY26 stood at ₹58.44 crores compared to ₹77.46 crores in Q3FY25. The company benefited from a reversal in impairment on financial instruments of ₹12.68 crores, indicating improved asset quality. Finance costs decreased to ₹57.64 crores from ₹78.11 crores in the previous year quarter.

Key Financial Ratios and Metrics

The company maintained strong financial health indicators with several key ratios demonstrating operational efficiency:

Board Decisions and Corporate Governance

The Board of Directors approved seeking shareholder approval through postal ballot for the appointment of Shri Pikkili Ramana Murthy (DIN: 07815852) as Non-Executive Independent Director for a three-year term effective December 19, 2025. The detailed postal ballot process and timelines will be communicated separately.

Exceptional Items and Special Provisions

The company recognized an exceptional item of ₹2.43 crores related to the impact of Labour Codes notified by the Government of India on November 21, 2025. This represents increased gratuity and leave liability due to changes in employee benefit calculations under the new unified labour framework.

Source: Company Filing

PTC India Financial Services Limited has announced an earnings conference call scheduled for January 21, 2026, to discuss its financial performance for the third quarter and nine months of FY26. The call, set for 10:00 AM IST, will provide analysts and investors with insights into the company's results for the period ended December 31, 2025.

Management Team Participation

The earnings call will be led by a comprehensive management team representing key operational and financial functions of the company:

Call Access Details

The company has arranged multiple access options to accommodate both domestic and international participants. Domestic participants can join using the universal dial-in numbers, while international participants have access to toll-free numbers across key markets.

Domestic Access

• Primary dial-in: +91 22 6280 1567
• Alternative dial-in: +91 22 7115 8392

International Toll-Free Access

Regulatory Compliance

The announcement was made in compliance with Regulation 30 of the SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015. The formal intimation was signed by R. Balaji, Managing Director & Chief Executive Officer, and is available on the company's website at www.ptcfinancial.com .

Contact Information

For RSVP and additional information regarding the earnings call, participants can contact Ms. Priya Chaudhary, Vice President - Investor Relations, at +91 11 26737482. The company is headquartered at 7th Floor Telephone Exchange Building, 8 Bhikaji Cama Place, New Delhi 110066.

This earnings call represents an important opportunity for stakeholders to gain detailed insights into PTC India Financial Services Limited's operational and financial performance during the third quarter and nine-month period of the current fiscal year.