POONAWALA FINCORP Results Analysis-Q1FY27

Interest Earned for Q1FY27 is Rs. 2,330 Crs., 77.34% growth YoY, Net Interest Income is Rs. 1,415 Crs., 84.3% growth YoY, Total Income is Rs. 2,337 Crs.,77.85% growth YoY, Pre-Provisioning Operating Profit is Rs. 785 Crs., 141.77% growth YoY, PBT is Rs. 411 Crs., 392.88% growth YoY, Net profit is Rs. 308 Crs., 391.55% growth YoY. For Q1FY27 Gross NPA 1.37% vs 1.84% in Q1FY26, Net NPA 0.7% vs 0.85% in Q1FY26. Improved asset quality with reduction in Gross NPA and Net NPA YoY. No accelerated write-off during the quarter. Return on Assets is 1.98% improved by 130 BPS YoY. Continuous improvement in ROA, highlighting enhanced efficiency and superior capital allocation. Assets under Management is Rs. 67,054 Cr. as on 30th June, 2026, 62.46% Growth YoY. Strong AUM growth with healthy momentum across all retail products, new products contributed 16% to AUM. Successfully expanded Gold loan branches to 460 as on date, to further strengthen distribution reach. On QoQ basis Interest Earned has achieved 10.15% growth, Net Interest Income has grown by 10.89%, Total Income has grown by 10.21%, Pre-Provisioning Operating Profit has grown by 12.94%, PBT grown by 20.58%, PAT is grown by 20.77%. Total borrowings as on June 30, 2026 at ₹49,866 crore. Diversified borrowings across instruments and institutions. During Q1FY27, raised ₹1,155 Cr through NCD (including Sub-debt NCD) to increase the proportion of long-term borrowings | NCD contribution remains at ~32% as on June 30, 2026 Healthy mix of Short-term and Long-term borrowing and optimized cost of borrowing.