Mumbai: Poonawalla Fincorp Q4 FY26 results highlight a strong financial performance, with the company reporting significant growth across key metrics for the quarter and year ended March 31, 2026.
The Board of Directors of Poonawalla Fincorp Limited, a non-deposit taking systemically important NBFC focused on consumer and MSME finance, announced its audited financial results.
In Poonawalla Fincorp Q4 FY26, the company’s Assets Under Management (AUM) stood at ₹60,348 crore, reflecting its expanding lending portfolio.
Net Interest Income (NII), including fees and other income, grew by 78.5% year-on-year to ₹1,276 crore during the quarter, underscoring strong operational momentum.
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Poonawalla Fincorp Q4 FY26 Financial Highlights
The Poonawalla Fincorp Q4 FY26 performance showcased robust growth across multiple parameters:
- AUM: ₹60,348 crore
- Secured to Unsecured Mix: 54:46
- Net Interest Income: ₹1,276 crore, up 78.5% YoY
- Net Interest Margin (NIM): 9.05% in Q4 FY26 vs 8.62% in Q3 FY26 (up 43 bps QoQ)
- Pre-Provision Operating Profit (PPoP): ₹695 crore, up 108.7% YoY
- Profit After Tax (PAT): ₹255 crore in Q4 FY26 vs ₹150 crore in Q3 FY26 (69.6% QoQ growth)
The strong Poonawalla Fincorp Q4 FY26 results reflect improved profitability and operational efficiency, driven by higher yields and disciplined cost management.
Asset Quality and Capital Position
Asset quality remained stable in Poonawalla Fincorp Q4 FY26, with key indicators showing improvement:
- Gross NPA (GNPA): 1.44% vs 1.51% in Q3 FY26
- Net NPA (NNPA): 0.74% vs 0.80% in Q3 FY26
- Credit Cost: 2.51% vs 2.62% in Q3 FY26
- Stage 1 Assets: 97.5% of on-book assets
The company’s capital adequacy ratio stood at 16.83% (Tier-1 at 15.90%) as of March 31, 2026, exceeding the regulatory requirement of 15%.
Following the ₹2,500 crore capital raise through QIP, the simulated capital adequacy ratio rises to 20.74%, offering strong headroom for future growth.
Liquidity and Borrowing Costs
During Poonawalla Fincorp Q4 FY26, the company maintained a strong liquidity position:
- Liquidity Buffer: ₹7,590 crore
- Cost of Borrowing: 7.63%, 2 bps lower than Q3 FY26
These indicators highlight the company’s prudent financial management and ability to optimize funding costs.
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AI-Led Transformation
A notable highlight of Poonawalla Fincorp Q4 FY26 was its continued investment in technology and innovation. The company added 19 new AI projects during the quarter, taking the total to 76 AI initiatives, of which 42 have been successfully implemented.
Arvind Kapil, Managing Director and CEO, Poonawalla Fincorp, said: “We have reached a pivotal inflection point in our growth trajectory. By simultaneously expanding our yields and optimizing our operating architecture, we are seeing a powerful expansion in incremental NIMs.
With credit costs trending lower and Opex-to-AUM decoupling, the business is now primed for high-quality, sustained profitability. Even as this operating leverage kicks in, we remain committed to strategic investments this fiscal year, ensuring our current momentum translates into a long-term, healthy, and durable earnings model.”
Poonawalla Fincorp Limited is a Cyrus Poonawalla Group-promoted non-deposit taking systemically important NBFC registered with the Reserve Bank of India. The company has been operational for nearly three decades and is listed on BSE and NSE.
As of March 31, 2026, the company reported AUM of ₹60,348 crore and a workforce of 5,860 employees. Its product portfolio includes Loan Against Property, Gold Loans, Personal Loans, Education Loans, Consumer Durable Loans, Business Loans, Commercial Vehicle Loans, Supply Chain Finance, Pre-Owned Car Finance, and more.
