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Poonawalla Fincorp Ltd. operates as a non-banking finance company. The company is headquartered in Pune, Maharashtra and currently employs 2,452 full-time employees. The company went IPO on 2005-08-12. The Company’s financial services include pre-owned car finance, personal loans, loan to professionals, business loans, loan against property, supply chain finance, machinery loans, medical equipment loans and consumer loans. Its personal loans include unsecured personal loan, urgent personal loan, short term personal loan, personal loan for salaried employees and instant loan online. Its business loans include unsecured business loan, small business loans, business loan for women and business loan for working capital. Its other loans include pre-owned car loan, loan against property, medical equipment loan and auto lease. Its professional loan includes professional loan for chartered accountants (CA), professional loan for company secretaries (CS) and professional loan for doctors. The firm has widespread coverage across approximately 21 states.
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“Banking franchise in NBFC — Lending & Credit.”
Net Interest Income of ₹6,141 Cr on total income of ₹6,146 Cr.
Cost-to-income ratio at 32.6%. Provision coverage at 0.0% of income.
“Our AUM, as all of you are well aware, is growing at around 77.”
“INR 55,017 crores as of 12/31/2025.”
“As part of our debt strategy and projected AUM growth, we continue to diversify our liability book focusing on long term borrowings.”
| KPI | Company | Sector Median |
|---|---|---|
| ROE | 5.2%▲ | 2.8% |
| ROCE | 5.8%▲ | 4.2% |
| Net Margin | 8.8%▼ | 11.9% |
| EBITDA Margin | 52.8%▲ | 29.0% |
| Debt To Equity | 4.65x▲ | 0.09x |
| Rev Growth 3yr | 50.1%▲ | 12.2% |
| EPS Growth 3yr | -9.2%▼ | 12.6% |
| Cost To Income | 32.6%▼ | 36.9% |
| (₹ Cr) | TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | FY2020 | FY2019 |
|---|---|---|---|---|---|---|---|---|
| ₹7,813 Cr +86.5% | ₹4,190 Cr +34.8% | ₹3,109 Cr +60.4% | ₹1,939 Cr -3.3% | ₹2,004 Cr -13.6% | ₹2,319 Cr -7.7% | ₹2,513 Cr +2.4% | ₹2,455 Cr | |
| ₹5 Cr -83.6% | ₹33 Cr -13.7% | ₹38 Cr -45.0% | ₹70 Cr +90.2% | ₹37 Cr +9.1% | ₹34 Cr -32.1% | ₹49 Cr -16.0% | ₹59 Cr | |
| Total Income | ₹7,819 Cr +85.1% | ₹4,223 Cr +34.2% | ₹3,147 Cr +56.7% | ₹2,008 Cr -1.6% | ₹2,041 Cr -13.2% | ₹2,352 Cr -8.2% | ₹2,563 Cr +2.0% | ₹2,513 Cr |
| ₹6,767 Cr +55.3% | ₹4,358 Cr +138.2% | ₹1,830 Cr +44.7% | ₹1,265 Cr -18.5% | ₹1,551 Cr -50.1% | ₹3,107 Cr +25.3% | ₹2,480 Cr +19.7% | ₹2,072 Cr | |
| Profit Before Tax | ₹1,051 Cr ↑ Recovery | (₹135 Cr) ↓ Decline | ₹2,134 Cr +184.2% | ₹751 Cr +53.2% | ₹490 Cr ↑ Recovery | (₹754 Cr) ↓ Decline | ₹83 Cr -81.3% | ₹442 Cr |
| ₹265 Cr ↑ Recovery | (₹37 Cr) ↓ Decline | ₹483 Cr +166.4% | ₹181 Cr +55.8% | ₹116 Cr ↑ Recovery | (₹190 Cr) ↓ Decline | ₹55 Cr -60.4% | ₹138 Cr | |
| Net Profit | ₹787 Cr ↑ Recovery | (₹98 Cr) ↓ Decline | ₹1,683 Cr +145.7% | ₹685 Cr +82.5% | ₹375 Cr ↑ Recovery | (₹559 Cr) ↓ Decline | ₹27 Cr -91.1% | ₹304 Cr |
| Profit (Owners) | ₹787 Cr ↑ Recovery | (₹98 Cr) ↓ Decline | ₹1,683 Cr +146.1% | ₹684 Cr +82.3% | ₹375 Cr ↑ Recovery | (₹558 Cr) ↓ Decline | ₹27 Cr -91.1% | ₹304 Cr |
| Other Comprehensive Income | ₹33 Cr ↑ Recovery | (₹14 Cr) ↓ Decline | ₹0.64 Cr ↑ Recovery | (₹5 Cr) ↓ Decline | ₹9 Cr | ₹0.58 Cr ↑ Recovery | (₹0.83 Cr) +83.3% | (₹5 Cr) |
| EPS | ₹9.38 | (₹1.26) | ₹21.73 | ₹8.91 | ₹4.90 | (₹20.71) | ₹1.00 | ₹11.29 |
| Diluted Shares | ₹88 Cr | ₹78 Cr | ₹77 Cr | ₹77 Cr | ₹76 Cr | ₹27 Cr | ₹27 Cr | ₹27 Cr |
| Fees And Commission Income | ₹516 Cr +168.3% | ₹192 Cr +162.6% | ₹73 Cr +19.0% | ₹62 Cr -3.7% | ₹64 Cr -10.8% | ₹72 Cr -17.2% | ₹87 Cr -6.7% | ₹93 Cr |
| Net Gain On Amortised Derecognition | ₹205 Cr +93.2% | ₹106 Cr | ₹0.00 Cr | ₹0.00 Cr | ₹0.00 Cr -100.0% | ₹51 Cr -22.2% | ₹66 Cr -17.5% | ₹80 Cr |
| Net Loss On Amortised Derecognition | ₹126 Cr +33.0% | ₹94 Cr | ₹0.00 Cr -100.0% | ₹11 Cr +98.6% | ₹5 Cr | ₹0.00 Cr | ₹0.00 Cr | ₹0.00 Cr |
| Impairment On Financial Instruments | ₹1,217 Cr -16.6% | ₹1,458 Cr | ₹72 Cr ↑ Recovery | (₹145 Cr) ↓ Decline | ₹78 Cr -94.6% | ₹1,448 Cr +198.1% | ₹486 Cr +83.0% | ₹265 Cr |
| Net Loss On Fair Value Changes | ₹0.00 Cr -100.0% | ₹14 Cr | ₹0.00 Cr | ₹0.00 Cr | ₹0.00 Cr | ₹0.00 Cr -100.0% | ₹5 Cr | ₹0.00 Cr |
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Poonawalla Fincorp Limited has informed the Exchange about Copy of Newspaper Publication
Poonawalla Fincorp Limited has informed the Exchange regarding Grant of 25000 Options.
Poonawalla Fincorp Limited has informed the Exchange regarding Proceedings of Annual General Meeting held on July 24, 2026. Further, the company has submitted the Exchange a copy of Srutinizers report...
Poonawalla Fincorp Limited has informed the Exchange about Transcript
Poonawalla Fincorp Limited has informed the Exchange about Schedule of meet
Poonawalla Fincorp Limited has informed the Exchange about Schedule of meet
Poonawalla Fincorp Limited has informed the Exchange about Copy of Newspaper Publication
Poonawalla Fincorp Limited has informed the Exchange about Link of Recording
Monitoring Agency Report
Poonawalla Fincorp Limited has informed the Exchange regarding 'Intimation Under Regulation 8(2) Of SEBI (Prohibition Of Insider Trading) Regulations , 2015'.
Poonawalla Fincorp Limited has informed the Exchange about statement of deviation(s) or variation(s) under Reg. 32
Poonawalla Fincorp Limited has informed the Exchange about Investor Presentation
Poonawalla Fincorp Limited has informed the Exchange regarding a press release dated July 17, 2026, titled "Unaudited Financial Results and Performance of the Company for the quarter ended June 30, 20...
Poonawalla Fincorp Limited has submitted to the Exchange, the financial results for the period ended Jun 30, 2026.
Poonawalla Fincorp Limited has informed the Exchange regarding Grant of 175000 Options.