POONAWALA FINCORP Results Analysis-Q4FY26

Interest Earned for Q4FY26 is Rs. 1,894 Crs., 77.22% growth YoY, Net Interest Income is Rs. 1,050 Crs., 72.03% growth YoY, Total Income is Rs. 2,120 Crs., 80.72% growth YoY, Pre-Provisioning Operating Profit is Rs. 695 Crs., 108.74% growth YoY, However, PBT is Rs. 341 Crs., 325.17% growth YoY, PAT is Rs. 255 Crs., 308.78% growth YoY. For Q4FY26 Gross NPA 1.44% vs 1.84% in Q4FY25, Net NPA 0.74% vs 0.85% in Q4FY25. Return on Assets is 1.81% which was 0.78% in Q4FY25. NIM: 9.05% in Q4 (up +43 bps QoQ from 8.62%) Total AUM as on 31st March, 2026 is Rs. 60,348 Crs. Which improved by 69.37% on YoY (with “contribution to AUM from the customer businesses” rising). Scaling of gold + consumer durables as (i) risk buffer / high-yield secured growth and (ii) customer acquisition flywheel for cross-sell. On QoQ basis Interest Earned has 14.1% growth, Net Interest Income has 13.96% growth, Total Income grown by 16.6%, Pre-Provisioning Operating Profit has 31.64% growth, However, PBT grown sharply by 70.36%, PAT is grown by 69.61%.