Poonawalla Fincorp Q1 FY27 Business Update: PAT Rises 21% QoQ, AUM Reaches ₹67,054 Crore

Poonawalla Fincorp Limited, a non-deposit-taking systemically important NBFC focused on consumer and MSME lending, announced its unaudited financial results for the quarter ended June 30, 2026. 

The company delivered steady growth during the quarter, supported by higher assets under management (AUM), improved profitability, better asset quality and continued investments in artificial intelligence (AI). 

AUM And Profitability Improve During the Quarter 

Poonawalla Fincorp's Assets Under Management (AUM) increased to ₹67,054 crore as of June 30, 2026. 

Net Interest Income (NII), including fees and other income, rose 10.9% quarter-on-quarter (QoQ) to ₹1,415 crore. The Net Interest Margin (NIM) improved slightly to 9.10% from 9.05% in the previous quarter. 

The company reported Pre-Provision Operating Profit (PPoP) of ₹785 crore, registering a 12.9% QoQ increase. 

Profit After Tax (PAT) climbed 20.8% QoQ to ₹308 crore, compared with ₹255 crore in Q4 FY26. 

Asset Quality Continues to Improve 

Poonawalla Fincorp maintained stable asset quality during the quarter. 

• Gross Non-Performing Assets (GNPA) declined to 1.37% from 1.44% in Q4 FY26.
• Net Non-Performing Assets (NNPA) improved to 0.70% from 0.74%.
• Credit cost reduced to 2.40% of average AUM from 2.51% in the previous quarter.
• Stage 1 assets accounted for 97.6% of the on-book portfolio, reflecting a healthy loan book.  

The company's secured-to-unsecured loan mix stood at 53:47. 

Capital Position and Liquidity Remain Strong 

The company maintained a Capital Adequacy Ratio (CAR) of 19.46%, with Tier-1 capital at 18.37%, comfortably above the RBI's minimum regulatory requirement of 15%. 

Poonawalla Fincorp also reported a liquidity buffer of ₹4,012 crore, providing sufficient financial flexibility to support future growth. 

The cost of borrowing increased marginally to 7.72%, up 9 basis points from the previous quarter. 

AI Investments Continue to Expand 

The company continued to strengthen its technology capabilities during the quarter. 

It added 25 new AI projects, taking the total number of AI initiatives to 101, of which 50 projects have already been implemented. According to the company, these AI-led initiatives are helping improve operational efficiency and support long-term profitability. 

Management Commentary 

Managing Director and CEO Arvind Kapil said the company delivered another quarter of steady progress, with higher profitability, improving asset quality and better returns. 

He added that recently launched businesses have gained scale, lending yields are improving and AI initiatives are beginning to generate structural operating efficiencies. The management remains confident of delivering consistent and sustainable profit growth in the coming quarters. 

About Poonawalla Fincorp 

Poonawalla Fincorp Limited is a Cyrus Poonawalla Group company and a systemically important non-banking financial company (NBFC) registered with the Reserve Bank of India. The company has been operating for nearly three decades and is listed on both the BSE and the NSE. 

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Poonawalla Fincorp Share Price Movement 

Poonawalla Fincorp share price (NSE: POONAWALLA ) ended the trading session on July 17, 2026, at ₹481.00 on the NSE, gaining ₹8.85 or 1.87% for the day. The stock opened at ₹472.90, touched an intraday high of ₹482.00, and a low of ₹466.85. The company had a market capitalisation of ₹42,130 crore, traded at a price-to-earnings (P/E) ratio of 70.54, and its 52-week high stood at ₹570.40. 

Conclusion 

Poonawalla Fincorp delivered a solid start to FY27, with growth in AUM, higher net profit and continued improvement in asset quality.  

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