POONAWALLA

Poonawalla Fincorp – Q4FY25 and FY25 Performance Summary

Q4FY25 Financial Highlights: - Assets Under Management (AUM) stood at Rs 35,631 crore, up 42.5% year-on-year and 15% quarter-on-quarter. - Secured to unsecured on-book mix improved to 57:43 from 54:46 in Q3FY25. - AUM Composition: MSME loans at 36%, Personal and Consumer finance at 23%, Loan Against Property at 24%, Pre-owned Car loans at 14%. - Net Interest Income (including fees and other income) was Rs 715 crore, up 12% year-on-year. - Pre-Provision Operating Profit (PPoP) stood at Rs 333 crore for the quarter. - Asset quality remained stable with Gross NPA at 1.84% and Net NPA at 0.85%. - Provision Coverage Ratio at 54.47%. - Capital Adequacy Ratio was 22.94%, with Tier-1 Capital at 21.67%, comfortably above the regulatory requirement of 15%. - Liquidity buffer stood strong at Rs 4,686 crore as of March 31, 2025. ++FY25 Financial Highlights: - Net Interest Income (including fees and other income) was Rs 2,708 crore, registering a growth of 23% year-on-year. - Pre-Provision Operating Profit (PPoP) stood at Rs 1,417 crore, up 2% year-on-year despite investments into new business verticals and shift towards a higher secured asset mix. ++Business Highlights: - Launched six new business lines: PL Prime including PL Prime Digital 24x7, Education Loans, Commercial Vehicle Loans, Consumer Durable Loans, Shopkeeper Loans, and Gold Loans. - Accelerating an AI-first approach across operations: identified 25 AI-based solutions, of which 7 are completed and 18 are in progress. - Strengthening ‘Phygital’ (physical + digital) presence with plans to launch 400 branches, while expanding digital capabilities. - Clear strategic focus to scale AUM in the short term, followed by robust and sustainable profit growth targeting FY27.