Poonawalla Fincorp Ltd.
POONAWALLAFinancial Services filings
We hold this company’s filings and have not read the financial statements out of them yet. Every filing on record is listed under filings, and each one opens.
Earnings calls
41 transcript(s)/analyst meet(s) served; 34 document(s) on file are not transcripts (cover letters, duplicates, unresolved) and are excluded. Speaker attribution is shown only where the segmenter attributes ≥ 95% of sentences to management or analysts (0 of 41 documents here); elsewhere sentences render unattributed.
| Kind | Date | Period | Served | Attribution rate |
|---|---|---|---|---|
| COVER_LETTER | 20210820 | 2021-03-31 | no | |
| COVER_LETTER | 20211029 | 2021-09-30 | no | |
| COVER_LETTER | 20211103 | 2021-09-30 | no | |
| COVER_LETTER | 20220202 | 2021-12-31 | no | |
| COVER_LETTER | 20220208 | 2021-12-31 | no | |
| COVER_LETTER | 20220513 | 2022-03-31 | no | |
| COVER_LETTER | 20220519 | 2022-03-31 | no | |
| COVER_LETTER | 20220729 | 2022-06-30 | no | |
| COVER_LETTER | 20220805 | 2022-06-30 | no | |
| COVER_LETTER | 20221021 | 2022-09-30 | no | |
| COVER_LETTER | 20221031 | 2022-09-30 | no | |
| COVER_LETTER | 20230123 | 2022-12-31 | no | |
| COVER_LETTER | 20230131 | 2022-12-31 | no | |
| COVER_LETTER | 20230426 | 2023-03-31 | no | |
| COVER_LETTER | 20230504 | 2023-03-31 | no | |
| COVER_LETTER | 20230724 | 2023-06-30 | no | |
| COVER_LETTER | 20230731 | 2023-06-30 | no | |
| COVER_LETTER | 20231021 | 2023-09-30 | no | |
| COVER_LETTER | 20231030 | 2023-09-30 | no | |
| COVER_LETTER | 20240118 | 2023-12-31 | no | |
| COVER_LETTER | 20240125 | 2023-12-31 | no | |
| COVER_LETTER | 20240429 | 2024-03-31 | no | |
| COVER_LETTER | 20240506 | 2024-03-31 | no | |
| COVER_LETTER | 20240722 | 2024-06-30 | no | |
| COVER_LETTER | 20240726 | 2024-06-30 | no | |
| COVER_LETTER | 20241025 | 2024-09-30 | no | |
| COVER_LETTER | 20241031 | 2024-09-30 | no | |
| COVER_LETTER | 20250131 | 2024-12-31 | no | |
| TRANSCRIPT | 20250206 | 2024-12-31 | yes | |
| COVER_LETTER | 20250425 | 2025-03-31 | no | |
| TRANSCRIPT | 20250502 | 2025-03-31 | yes | |
| COVER_LETTER | 20250725 | 2025-06-30 | no | |
| TRANSCRIPT | 20250731 | 2025-06-30 | yes | |
| COVER_LETTER | 20251017 | 2025-09-30 | no | |
| TRANSCRIPT | 20251027 | 2025-09-30 | yes | |
| COVER_LETTER | 20260116 | 2025-12-31 | no | |
| TRANSCRIPT | 20260121 | 2025-12-31 | yes | |
| COVER_LETTER | 20260505 | 2026-03-31 | no | |
| TRANSCRIPT | 20260511 | 2026-03-31 | yes | |
| COVER_LETTER | 20260717 | 2026-06-30 | no | |
| TRANSCRIPT | 20260723 | 2026-06-30 | yes |
POONAWALLA
files as a non-banking financial company. Every figure below opens to the filing it was read from; where a figure is not shown, the reason is printed in its place.
Identity
| Statement division | nbfc |
| Scope served | consolidated |
| Panels on this page | 4 |
Market
No split, bonus or consolidation is on record for this company inside the period this price series covers, so the closes need no adjustment.
| Last close | 466.80 |
| 52-week range | 368.4 – 542.5 |
| Return 1M | -1.92% |
| Return 3M | 6.02% |
| Return 1Y | -3.85% |
| Return 3Y | 25.82% |
| Return 5Y | 175.64% |
| Market capitalisation | not shown — we could not confirm it |
| Shares outstanding | not shown — we could not confirm it |
| P/E | not shown — we could not confirm it |
| P/B | not shown — we could not confirm it |
| EV/EBITDA | not shown — we could not confirm it |
Latest quarter filed — period ending 2026-06-30
In INR crore except per-share figures. `period_id` is the period the filing names for the number; the date beside each cell is when it was filed.
| Revenue from operations | 2,337.00 |
| Other income | 0.00 |
| Total income | 2,337.00 |
| Cost of materials consumed | 0.00 |
| Purchases of stock-in-trade | 0.00 |
| Changes in inventories | 0.00 |
| Employee benefit expense | 294.00 |
| Finance costs | 922.00 |
Ownership — 2026-06-30, and the change from 2026-04-13
| Holder | Per cent | Change |
|---|---|---|
| promoter and promoter group | 0.59 | -0.00 |
| institutions foreign | 0.11 | -0.00 |
| institutions domestic | 0.17 | 0.00 |
| mutual funds | 0.11 | 0.01 |
| public | 0.40 | 0.00 |
Documents on file
| Class | Most recent | On file |
|---|---|---|
| COVER_LETTER | 2026-06-30 | 34 |
| TRANSCRIPT | 2026-06-30 | 7 |
Financial statements
Filed results, consolidated, in INR crore except per-share figures. Every figure opens to the filing it was read from. Quarterly and annual columns are the periods the filing itself names, never a document date.
Quarterly results, as filed
| Line | 2022-09-30 | 2022-12-31 | 2023-03-31 | 2023-06-30 | 2023-09-30 | 2023-12-31 | 2024-03-31 | 2024-06-30 | 2024-09-30 | 2024-12-31 | 2025-03-31 | 2025-06-30 | 2025-09-30 | 2025-12-31 | 2026-03-31 | 2026-06-30 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue from operations | 627.00 | 698.00 | 577.00 | 693.00 | 739.00 | 763.00 | 915.00 | 978.00 | 989.00 | 1,057.00 | 1,166.00 | 1,314.00 | 1,542.00 | 1,818.00 | 2,115.00 | 2,337.00 |
| Other income | 28.00 | 18.00 | 4.00 | 14.00 | 7.00 | 11.00 | 7.00 | 18.00 | 8.00 | 0.00 | 7.00 | 0.00 | 0.00 | 0.00 | 5.00 | 0.00 |
| Total income | 655.00 | 716.00 | 581.00 | 707.00 | 745.00 | 774.00 | 922.00 | 996.00 | 996.00 | 1,057.00 | 1,173.00 | 1,314.00 | 1,543.00 | 1,818.00 | 2,120.00 | 2,337.00 |
| Cost of materials consumed | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Purchases of stock-in-trade | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Changes in inventories | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Employee benefit expense | 181.00 | 176.00 | 119.00 | 105.00 | 109.00 | 113.00 | 117.00 | 102.00 | 212.00 | 148.00 | 173.00 | 213.00 | 256.00 | 285.00 | 263.00 | 294.00 |
| Finance costs | 209.00 | 234.00 | 173.00 | 230.00 | 216.00 | 224.00 | 281.00 | 320.00 | 352.00 | 385.00 | 458.00 | 546.00 | 638.00 | 739.00 | 844.00 | 922.00 |
| Depreciation and amortisation | 16.00 | 18.00 | 19.00 | 15.00 | 15.00 | 15.00 | 14.00 | 15.00 | 16.00 | 15.00 | 20.00 | 22.00 | 22.00 | 24.00 | 26.00 | 30.00 |
| Other expenses | 73.00 | 74.00 | 58.00 | 63.00 | 69.00 | 72.00 | 100.00 | 125.00 | 133.00 | 127.00 | 190.00 | 208.00 | 240.00 | 243.00 | 293.00 | 306.00 |
| Total expenses | 437.00 | 473.00 | 345.00 | 440.00 | 437.00 | 417.00 | 536.00 | 606.00 | 1,627.00 | 1,032.00 | 1,093.00 | 1,231.00 | 1,444.00 | 1,618.00 | 1,779.00 | 1,926.00 |
| Profit before exceptional items and tax | 218.00 | 244.00 | 236.00 | 267.00 | 308.00 | 357.00 | 385.00 | 390.00 | -630.00 | 25.00 | 80.00 | 83.00 | 99.00 | 200.00 | 341.00 | 411.00 |
| Exceptional items | 0.00 | 0.00 | 0.00 | 0.00 | 817.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Profit before tax | 218.00 | 244.00 | 236.00 | 267.00 | 1,125.00 | 357.00 | 385.00 | 390.00 | -630.00 | 25.00 | 80.00 | 83.00 | 99.00 | 200.00 | 341.00 | 411.00 |
| Current tax | 15.00 | 8.00 | -25.00 | 41.00 | 404.00 | 65.00 | 91.00 | 61.00 | -36.00 | -3.00 | -22.00 | 13.00 | 16.00 | 32.00 | -4.00 | 115.00 |
| Deferred tax | 40.00 | 53.00 | 81.00 | 27.00 | -134.00 | 26.00 | -37.00 | 37.00 | -124.00 | 9.00 | 40.00 | 8.00 | 9.00 | 18.00 | 90.00 | -11.00 |
| Tax expense | 55.00 | 61.00 | 56.00 | 67.00 | 270.00 | 92.00 | 54.00 | 98.00 | -159.00 | 6.00 | 18.00 | 21.00 | 25.00 | 50.00 | 86.00 | 104.00 |
| Profit for the period | 163.00 | 182.00 | 199.00 | 226.00 | 860.00 | 265.00 | 332.00 | 292.00 | -471.00 | 19.00 | 62.00 | 63.00 | 74.00 | 150.00 | 255.00 | 308.00 |
| Profit attributable to owners | 163.00 | 182.00 | 198.00 | 226.00 | 860.00 | 265.00 | 332.00 | — | — | 0.00 | 0.00 | 63.00 | 74.00 | 150.00 | 255.00 | 308.00 |
| Profit attributable to non-controlling interests | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | — | — | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Other comprehensive income | -1.00 | -0.00 | -0.00 | 1.00 | 0.00 | -0.00 | -0.00 | -1.00 | 0.00 | 2.00 | -16.00 | -16.00 | 9.00 | -0.00 | 32.00 | -7.00 |
| Total comprehensive income | 162.00 | 182.00 | 198.00 | 227.00 | 860.00 | 265.00 | 332.00 | 291.00 | -471.00 | 21.00 | 46.00 | 47.00 | 83.00 | 150.00 | 287.00 | 300.00 |
| Earnings per share, basic | 2.13 | 2.38 | 2.59 | 2.94 | 11.20 | 3.45 | 4.31 | 3.79 | -6.10 | 0.24 | 0.81 | 0.81 | 0.95 | 1.86 | 3.15 | 3.55 |
| Earnings per share, diluted | 2.10 | 2.35 | 2.57 | 2.91 | 11.07 | 3.41 | 4.26 | 3.77 | -6.10 | 0.24 | 0.81 | 0.81 | 0.95 | 1.85 | 3.14 | 3.54 |
| Interest earned | 569.00 | 636.00 | 552.00 | 651.00 | 691.00 | 714.00 | 844.00 | 896.00 | 911.00 | 999.00 | 1,068.00 | 1,185.00 | 1,402.00 | 1,660.00 | 1,894.00 | 2,118.00 |
| Fees and commission income | 20.00 | 21.00 | 15.00 | 14.00 | 20.00 | 16.00 | 23.00 | 25.00 | 46.00 | 54.00 | 67.00 | 63.00 | 102.00 | 116.00 | 139.00 | 159.00 |
| Net gain on fair value changes | -1.00 | 2.00 | 1.00 | 1.00 | 0.00 | 1.00 | 1.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 4.00 | 0.00 |
| Dividend income | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Rental income | 7.00 | 7.00 | 7.00 | 7.00 | 7.00 | 6.00 | 6.00 | 5.00 | 5.00 | 4.00 | 3.00 | 3.00 | 3.00 | 2.00 | 1.00 | 2.00 |
Annual results, as filed
| Line | 2020-03-31 | 2021-03-31 | 2022-03-31 | 2023-03-31 | 2024-03-31 | 2025-03-31 | 2026-03-31 |
|---|---|---|---|---|---|---|---|
| Revenue from operations | 2,513.00 | 2,319.00 | 2,004.00 | 1,939.00 | 3,109.00 | 4,190.00 | 6,790.00 |
| Other income | 49.00 | 34.00 | 37.00 | 70.00 | 38.00 | 33.00 | 5.00 |
| Total income | 2,563.00 | 2,352.00 | 2,041.00 | 2,008.00 | 3,147.00 | 4,223.00 | 6,796.00 |
| Cost of materials consumed | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Purchases of stock-in-trade | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Changes in inventories | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Employee benefit expense | 448.00 | 382.00 | 519.00 | 515.00 | 444.00 | 636.00 | 1,018.00 |
| Finance costs | 1,294.00 | 1,100.00 | 716.00 | 595.00 | 950.00 | 1,515.00 | 2,767.00 |
| Depreciation and amortisation | 75.00 | 56.00 | 55.00 | 61.00 | 59.00 | 65.00 | 94.00 |
| Other expenses | 173.00 | 121.00 | 178.00 | 227.00 | 304.00 | 576.00 | 984.00 |
| Total expenses | 2,480.00 | 3,107.00 | 1,551.00 | 1,265.00 | 1,830.00 | 4,358.00 | 6,072.00 |
| Profit before exceptional items and tax | 83.00 | -754.00 | 490.00 | 744.00 | 1,318.00 | -135.00 | 724.00 |
| Exceptional items | 0.00 | 0.00 | 0.00 | 7.00 | 817.00 | 0.00 | 0.00 |
| Profit before tax | 83.00 | -754.00 | 490.00 | 751.00 | 2,134.00 | -135.00 | 724.00 |
| Current tax | 15.00 | 12.00 | 22.00 | 24.00 | 600.00 | 0.00 | 57.00 |
| Deferred tax | 40.00 | -202.00 | 95.00 | 157.00 | -118.00 | -37.00 | 124.00 |
| Tax expense | 55.00 | -190.00 | 116.00 | 181.00 | 483.00 | -37.00 | 182.00 |
| Profit for the period | 27.00 | -559.00 | 375.00 | 685.00 | 1,683.00 | -98.00 | 542.00 |
| Profit attributable to owners | 27.00 | -558.00 | 375.00 | 684.00 | 1,652.00 | 0.00 | 542.00 |
| Profit attributable to non-controlling interests | 0.00 | 0.00 | 0.00 | 1.00 | 0.00 | 0.00 | 0.00 |
| Other comprehensive income | -1.00 | 1.00 | 9.00 | -5.00 | 1.00 | -14.00 | 25.00 |
| Total comprehensive income | 26.00 | -558.00 | 385.00 | 680.00 | 1,684.00 | -112.00 | 567.00 |
| Earnings per share, basic | 1.00 | -20.74 | 5.23 | 8.95 | 21.89 | -1.27 | 6.84 |
| Earnings per share, diluted | 1.00 | -20.74 | 5.17 | 8.86 | 21.63 | -1.27 | 6.82 |
| Interest earned | 2,324.00 | 2,166.00 | 1,910.00 | 1,815.00 | 2,900.00 | 3,874.00 | 6,141.00 |
| Fees and commission income | 87.00 | 72.00 | 64.00 | 62.00 | 73.00 | 192.00 | 420.00 |
| Net gain on fair value changes | 0.00 | 1.00 | 4.00 | 4.00 | 2.00 | 0.00 | 4.00 |
| Dividend income | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Rental income | 37.00 | 30.00 | 26.00 | 28.00 | 26.00 | 17.00 | 9.00 |
Balance sheet, as filed
| Line | 2022-09-30 | 2023-03-31 | 2023-09-30 | 2024-03-31 | 2024-09-30 | 2025-03-31 | 2025-09-30 | 2026-03-31 |
|---|---|---|---|---|---|---|---|---|
| Total assets | 19,293.00 | 23,221.00 | 19,669.00 | 24,087.00 | 27,002.00 | 35,030.00 | 46,960.00 | 60,272.00 |
| Property, plant and equipment | 131.00 | 118.00 | 76.00 | 60.00 | 46.00 | 55.00 | 71.00 | 97.00 |
| Capital work-in-progress | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Goodwill | 14.00 | 14.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Other intangible assets | 15.00 | 14.00 | 21.00 | 17.00 | 15.00 | 16.00 | 25.00 | 26.00 |
| Inventories | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Cash and cash equivalents | 350.00 | 601.00 | 165.00 | 255.00 | 121.00 | 25.00 | 118.00 | 286.00 |
| Total equity and liabilities | 19,293.00 | 23,221.00 | 19,669.00 | 24,087.00 | 27,002.00 | 35,030.00 | 46,960.00 | 60,272.00 |
| Equity | 6,410.00 | 6,873.00 | 7,832.00 | 8,167.00 | 8,066.00 | 8,175.00 | 9,873.00 | 10,348.00 |
| Equity share capital | 153.00 | 154.00 | 154.00 | 154.00 | 155.00 | 155.00 | 161.00 | 162.00 |
| Other equity | 6,254.00 | 6,708.00 | 7,678.00 | 8,013.00 | 7,911.00 | 8,020.00 | 9,712.00 | 10,187.00 |
| Total liabilities | 12,883.00 | — | — | — | — | 26,855.00 | 37,086.00 | 49,923.00 |
Cash flow, as filed
| Line | 2022-09-30 | 2023-03-31 | 2023-09-30 | 2024-03-31 | 2024-09-30 | 2025-03-31 | 2025-09-30 | 2026-03-31 |
|---|---|---|---|---|---|---|---|---|
| Net cash from operating activities | -2,056.00 | -5,237.00 | -4,373.00 | -7,556.00 | -2,796.00 | -10,569.00 | -10,693.00 | -21,786.00 |
| Net cash from investing activities | -326.00 | -110.00 | 3,404.00 | 2,969.00 | -421.00 | -482.00 | -447.00 | -1,340.00 |
| Net cash from financing activities | 2,377.00 | 5,748.00 | 622.00 | 4,331.00 | 3,082.00 | 10,821.00 | 11,233.00 | 23,387.00 |
| Purchase of property, plant and equipment | 32.00 | 64.00 | 8.00 | 9.00 | 3.00 | 28.00 | 44.00 | 94.00 |
| Net increase in cash | -4.00 | 401.00 | -347.00 | -256.00 | -134.00 | -231.00 | 93.00 | 261.00 |
| con:CFO.BEFORE_TAX | -2,022.00 | -5,182.00 | -4,032.00 | -6,893.00 | -2,839.00 | -10,600.00 | -10,639.00 | -21,736.00 |
| con:INTEREST_RECEIVED.OPERATING | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| con:INTEREST_PAID.OPERATING | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| con:DIVIDENDS_RECEIVED.OPERATING | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| con:TAX_PAID.OPERATING | 34.00 | 55.00 | 341.00 | 664.00 | -43.00 | -30.00 | 53.00 | 49.00 |
| con:CF_OTHER.OPERATING | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| con:INVESTMENTS_PURCHASED | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| con:INVESTMENTS_SOLD | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| con:PPE_DISPOSALS | 6.00 | 12.00 | 21.00 | 26.00 | 12.00 | 15.00 | 3.00 | 6.00 |
| con:CF_INVESTING.SUBSIDIARIES_SOLD | 0.00 | 0.00 | 3,533.00 | 3,533.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| con:CF_INVESTING.SUBSIDIARIES_ACQUIRED | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| con:CF_INVESTING.JV_SOLD | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| con:CF_INVESTING.JV_ACQUIRED | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Who owns it
The shareholding pattern filed with the exchange every quarter, as a series. Percentages are of total shares. Each figure names the filing it was read from and the date it was filed.
| Holder | 2023-09-30 | 2023-12-31 | 2024-03-31 | 2024-06-30 | 2024-09-30 | 2024-12-31 | 2025-03-31 | 2025-06-30 | 2025-09-17 | 2025-09-30 | 2025-12-31 | 2026-03-31 | 2026-04-13 | 2026-06-30 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Promoter and promoter group | 62.10 | 62.07 | 62.13 | 62.09 | 61.87 | 62.36 | 62.53 | 62.46 | 63.97 | 0.64 | 0.64 | 0.64 | 0.59 | 0.59 |
| Domestic institutions | 6.97 | 5.60 | 5.83 | 6.79 | 10.61 | 11.81 | 11.12 | 12.27 | 12.02 | 0.12 | 0.12 | 0.12 | 0.17 | 0.17 |
| Mutual funds | — | — | — | — | — | — | — | 5.06 | 5.34 | 0.06 | 0.06 | 0.07 | 0.11 | 0.11 |
| Insurance companies | 1.18 | 0.49 | 1.19 | 2.23 | 4.88 | 5.04 | 5.78 | 6.16 | 5.68 | 0.05 | 0.05 | 0.04 | 0.05 | 0.04 |
| Foreign institutions | 7.91 | 7.78 | 7.77 | 7.85 | 7.72 | 8.19 | 9.98 | 10.76 | 10.27 | 0.11 | 0.11 | 0.10 | 0.11 | 0.11 |
| Government | — | — | — | — | — | — | — | — | — | — | 0.00 | 0.00 | 0.00 | 0.00 |
| Public | 37.90 | 37.93 | 37.35 | 37.25 | 37.47 | 36.98 | 36.82 | 36.89 | 35.41 | 0.35 | 0.35 | 0.35 | 0.40 | 0.40 |
| Non-institutional | 23.02 | 24.55 | 23.76 | 22.61 | 19.14 | 16.99 | 15.72 | 13.86 | 13.12 | 0.13 | 0.13 | 0.13 | 0.12 | 0.13 |
| Shares outstanding | 768427892 | 768740293 | 774550662 | 774994087 | 777741340 | 777991340 | 778014400 | 778919238 | 812356698 | 812444718 | 812629109 | 812817658 | 880248541 | 880498688 |
Related parties
Transactions with related parties as disclosed to the exchange for the period ending 2024-09-30, by counterparty, largest first. Amounts are as filed. Each row names the filing and the date it was filed.
| Counterparty | Relationship | Type | Amount in the period | Transactions |
|---|---|---|---|---|
| Magma HDI General Insurance Company Limited | Member of promoter group | Any other transaction, Interest paid | 995,100,000.00 | 7 |
| Mr. Arvind Kapil | Director | Remuneration | 421,600,000.00 | 1 |
| Poonawalla Finance Private Limited | Fellow Subsidiary | Any other transaction, Interest paid, Loan | 171,700,000.00 | 4 |
| Mr. Sanjay Miranka | Key Managerial Personnel | Any other transaction, Remuneration | 61,000,000.00 | 4 |
| Mr. Sunil Samdani | Director | Remuneration | 27,800,000.00 | 1 |
| Mrs. Shabnum Zaman | Key Managerial Personnel | Remuneration | 8,300,000.00 | 1 |
| Mr. Abhay Bhutada | Director | Remuneration | 4,200,000.00 | 1 |
| Mr. Amar Sudhakar Deshpande | Director | Any other transaction | 2,200,000.00 | 1 |
| Mr. Atul Kumar Gupta | Director | Any other transaction | 2,000,000.00 | 1 |
| Mr. Prabhakar Dalal | Director | Any other transaction | 1,900,000.00 | 1 |
| Mr. Sanjay Kumar | Director | Any other transaction | 1,500,000.00 | 1 |
| Mr. Bontha Prasada Rao | Director | Any other transaction | 1,300,000.00 | 1 |
| Ms. Kemisha Soni | Director | Any other transaction | 900,000.00 | 1 |
| Mr. Adar Cyrus Poonawalla | Director | Any other transaction | 400,000.00 | 1 |
| Mr. Sajid Fazalbhoy | Director | Any other transaction | 200,000.00 | 1 |
What management said
Every earnings call we hold for this company, read in full. Prepared remarks are separated from the question-and-answer session and every paragraph names who said it and on which page. These are management’s own words, not filed figures.
| Date | Quarter | Who spoke | |
|---|---|---|---|
| 2026-07-23 | Q1FY27 | CHIEF EXECUTIVE OFFICER | Read the call |
| 2026-05-11 | Q4FY26 | CHIEF EXECUTIVE OFFICER, OFFICER | Read the call |
| 2026-01-21 | Q3FY26 | CHIEF EXECUTIVE OFFICER | Read the call |
| 2025-10-27 | Q2FY26 | CHIEF EXECUTIVE OFFICER | Read the call |
| 2025-07-31 | Q1FY26 | EXECUTIVE OFFICER | Read the call |
| 2025-05-02 | Q4FY25 | CHIEF EXECUTIVE OFFICER, OFFICER | Read the call |
| 2025-02-06 | Q3FY25 | CHIEF EXECUTIVE OFFICER, OFFICER | Read the call |
Some earlier announcements under this heading are covering letters only — no transcript was attached.
What they said about it, quarter by quarter
| Topic | Q1FY26 | Q1FY27 | Q2FY26 | Q3FY25 | Q3FY26 | Q4FY25 | Q4FY26 |
|---|---|---|---|---|---|---|---|
| Capex | — | — | — | This is a growing opportunity for us given the capex needs of the economy, especially across capital-intensive industries such as manufacturing, healt… | — | — | — |
| Capital allocation | Each of these initiatives are anchored in the core priorities of a modern lending institution like us- improving our efficiencies and enhancing custom… | — | A significant increase in our physical footprint. o Strengthening our DSA network across LAP business on personal loans to improve market leverage and… | This will also give a great boost to our website acquisition strategy. | This validates our risk-calibrated acquisition strategy. | — | Poonawalla Fincorp Limited May 05, 2026 Based on these beliefs, we aim to at least double the consumer durable customer count over FY27, basically str… |
| Costs | — | — | — | — | — | — | The infrastructure cost of running these tokens, model inference, compute, cloud is in our assessment, materially small related to the scale of measur… |
| Debt and cash | — | If you see business loans and SME is driven purely by small business cash flows. | — | — | As four core products, Gold Loans, Education Loans, Personal Loans, and LAP scale to 50–60% of AUM over a period of time, higher ticket sizes, longer … | — | — |
| Demand | — | Commercial vehicles, for example, in an economy driven by impact from freight demand, infrastructure activity, food prices, good movement. | The reduction of GST in major categories is projected to foster consumption, credit demand and MSME growth. | — | Financial conditions in our assessment remain supportive and with robust credit to commerce, while demand holds steady under strong consumption. | — | India's growth momentum during the financial year 2026 remain anchored in domestic demand supported by consumption resilience and reinforced by policy… |
| Guidance | As we assess our credit cost outlook, we anticipate some quarter-on-quarter variability in these building blocks due to changes in composition mix, fo… | We expect on the fence customer to improve offer uptake and lift our disbursement throughput ratio by 5% to 10%. | I'm again happy to inform you that in line with the guidance, we successfully raised Rs. | In my assessment, we remain firmly on track to deliver our guidance given our progress so far and quality of my team. | We expect credit costs across individual businesses to decline steadily over time, driven by portfolio seasoning, our solid risk calibration, and stro… | Lastly, GenAI is enabling us to monitor the call across agents with a focused scorecard and training guidance, replacing traditional limited manual sa… | While we've set ourselves an internal benchmark to close the next financial year at a lower opex to AUM ratio than our current levels, you may see flu… |
| Margin | And this margin compression that we have seen for the last two quarters, for how long is that going to sustain before we stabilize and the margin star… | As mentioned in my previous call, we believe growth isn't just about adding volume, It's about raising the margin per unit. | — | — | Yes, the new product contribution to disbursements in Q3FY26 stands at 20% as compared to 17% in comparison to the previous quarter. • Our on-book sec… | — | We have driven operating leverage effectively, bringing down our Opex- -to-AUM ratio down from just a year ago. |
| People | The hiring plan for expansion also remains on track. | The traditional approach to enter a new lending business is by hiring one business head and asking them to build the team. | I'm very proud to announce that we have facilitated with the ‘Most Innovative Practice’ for our AI-Powered underwriting and AI-Powered hiring at the p… | If you look at the manpower hiring, we're already up by 30%. | We have initiated 12 AI projects in Q3FY26 across credit, collections, servicing, and operations to reduce manual effort, improve decisioning, and ena… | This data-driven approach blended with digital process adoption optimizes resource utilization and efficiency, and that's where we will be able to bri… | For example, in personal loans, the current installed capacity of our headcount as of March 2026 will now be able to process 1.2x the piles. |
| Pricing | Imagine a Fintech who comes to me because we have the digital journey of a prime customer, white collar employee and he chooses to give me my kind of … | — | — | — | The present disbursement yield, pricing of new originations for Q3FY26, is approximately 15.5%, reflecting the impact of new product launches and disc… | In-house calibrated models are augmenting the risk management framework, supporting decision around auto rejection, differential credit swim lanes, hi… | This protects us against vendor pricing changes, capability gaps and continuity risks, and on auditability, every agent action is logged and is revers… |
| Revenue growth | Poonawalla Fincorp Limited July 25, 2025 Further the retail lending trends from Bureau’s reflect healthy growth of 27% from NBFCs year- on-year. | This reflects a quarter-on-quarter growth of 11%. • The new products we've launched contributed to 26% disbursement in this quarter versus 24% in the … | 47,701 crores, reporting a strong growth of 68% year-on-year and 15.6% quarter-on-quarter. | Let me take you through the quarterly financial highlights. • The Assets under management stood at ₹30,984 crores, reflecting a growth of 41% year-on-… | Let me quickly take you all to the financial highlights of the quarter. • The Asset under management stood at ₹55,017 crores, representing a growth of… | Let me take you all through the quarterly and full year financial highlights. • The Assets under management stood at ₹35,631 crores, reporting strong … | Our results demonstrate that our deliberate investments in technology and our specialized branch network are not just growing the top line but are str… |