Poonawalla Fincorp Q4FY26: Scaling retail growth while improving asset quality

The presentation reported AUM of INR 60,348 crore as of March 31, 2026, up 69.4 percent year on year and 9.7 percent quarter on quarter.

For Q4 FY26, the company reported NII including fees and other income of INR 1,276 crore, PPoP of INR 695 crore, PAT of INR 255 crore, and ROA of 1.81 percent.

GNPA was 1.44 percent and NNPA was 0.74 percent in Q4 FY26, improving versus Q3 FY26 GNPA of 1.51 percent and NNPA of 0.80 percent as shown in the presentation.

The company raised INR 2,500 crore via a Qualified Institutional Placement in April 2026. Management said this would take proforma debt to equity to 3.78x based on the March 2026 balance sheet.

The presentation defined new products as Prime Personal Loan, Gold Loan, Consumer Durable Loan, Commercial Vehicle Loan, Education Loan and Shopkeeper Loan.

The presentation stated 76 AI solutions were identified, with 42 delivered and 34 underway. Management discussed measurable improvements in customer service, IT productivity and HR query handling.