Mumbai: Poonawalla Fincorp Q1 FY27 delivered steady growth across key financial metrics, with Assets Under Management (AUM) reaching ₹67,054 crore and Profit After Tax (PAT) increasing 20.8% quarter-on-quarter (QoQ) to ₹308 crore.
The non-deposit taking systemically important NBFC, focused on consumer and MSME finance, announced its unaudited financial results for the quarter ended June 30, 2026.
During Poonawalla Fincorp Q1 FY27, the company reported Net Interest Income (including fees and other income) of ₹1,415 crore, registering a 10.9% QoQ growth. Return on Assets (RoA) strengthened to 1.98%, reflecting improved profitability during the quarter.
Poonawalla Fincorp Q1 FY27 Financial Highlights
- Assets Under Management (AUM): ₹67,054 crore
- Net Interest Income (including fees and other income): ₹1,415 crore, up 10.9% QoQ
- Net Interest Margin (NIM): 9.10% in Q1 FY27 compared with 9.05% in Q4 FY26, improving by 5 basis points QoQ
- Pre-Provision Operating Profit (PPoP): ₹785 crore, up 12.9% QoQ
- Profit After Tax (PAT): ₹308 crore in Q1 FY27 versus ₹255 crore in Q4 FY26
- Return on Assets (RoA): 1.98% in Q1 FY27 compared with 1.81% in Q4 FY26 and 0.68% in Q1 FY26
- Secured to unsecured on-book mix: 53:47
- Gross Non-Performing Assets (GNPA): 1.37% in Q1 FY27 versus 1.44% in Q4 FY26
- Net Non-Performing Assets (NNPA): 0.70% in Q1 FY27 compared with 0.74% in Q4 FY26
- Credit cost as a percentage of average AUM: 2.40% in Q1 FY27 versus 2.51% in Q4 FY26
- Stage 1 Assets: 97.6% of on-book assets in Q1 FY27 compared with 97.5% in Q4 FY26
- Capital Adequacy Ratio: 19.46%, including Tier-1 capital of 18.37% as of June 30, 2026, above the regulatory requirement of 15%
- Liquidity buffer: ₹4,012 crore as of June 30, 2026
- Cost of Borrowing: 7.72%, up 9 basis points over Q4 FY26
Artificial Intelligence initiatives: 25 new AI projects added during the quarter, taking the total to 101 AI projects, of which 50 have been successfully implemented
The Poonawalla Fincorp Q1 FY27 results also reflected stable asset quality, with improvements in both Gross Non-Performing Assets (GNPA) and Net Non-Performing Assets (NNPA).
The company maintained a strong capital position with a Capital Adequacy Ratio of 19.46% and continued to invest in technology-led transformation through artificial intelligence initiatives.
Also Read: Tata Technologies Q1 FY27: Operating Revenue Climbs to ₹16,646 Million, EBITDA Improves
Commenting on the Poonawalla Fincorp Q1 FY27 results, Arvind Kapil, Managing Director and CEO, Poonawalla Fincorp, said:
“This quarter marks another firm step in our journey toward sustained, predictable profitability. ROA has strengthened quarter-on-quarter, and asset quality has improved across products with both credit cost and GNPA moving favorably on an already solid base. Our investments in new businesses are translating into strong traction, with every business we have launched now scaled to healthy levels.
Disbursement yields are on a positive trajectory, reinforcing the strength of our model design for the future. Our AI brain has moved from build to execution and is beginning to deliver structural opex efficiency. Each of these vectors is improving structurally, not cyclically, underscoring the durability of our earnings trajectory. We are firmly on plan and confident of delivering predictable, sustained profit creation.”
According to the Poonawalla Fincorp Q1 FY27 results, the company’s expanding AI ecosystem now comprises 101 projects, with 50 already implemented, while the addition of 25 new AI projects during the quarter is aimed at improving operational efficiency.
