Fusion Finance Q1 FY27: PBT surges 67% QoQ to ₹62 Cr, NIM at 11.9%
Fusion Finance reported strong Q1 FY27 results with PBT surging 67% QoQ to ₹62 crore. NIM improved to 11.93%, and Gross NPA decreased to 2.51%. The company's CRAR stood at 36.95%, and it maintained liquidity of ₹1,880 crore. The MD & CEO highlighted a disciplined approach for responsible scaling.
The announcement details strong financial performance with significant improvements in profitability and asset quality, which are material to investors and stakeholders.
The company reported significant year-on-year and quarter-on-quarter improvements in key financial metrics such as PBT, NIM, and asset quality (Gross NPA), along with positive commentary from the CEO.
Fusion Finance Limited announced its financial results for the first quarter ended June 30, 2026, reporting strong business and financial performance. Profit Before Tax (PBT) increased by 67% quarter-on-quarter to ₹62 crore in Q1 FY27, up from ₹37 crore in Q4 FY26. This growth reflects improvements in business expansion, margins, asset quality, and profitability, driven by a calibrated underwriting approach, a strengthened risk framework, and disciplined execution.
The company's Net Interest Margin (NIM) improved to 11.93% in Q1 FY27, compared to 10.29% in Q1 FY26 and 11.44% in Q4 FY26. Pre-provisioning operating profit stood at ₹102 crore in Q1 FY27, an 18% increase from ₹87 crore in Q1 FY26 and a 10% increase from ₹93 crore in Q4 FY26, highlighting the franchise's underlying earnings strength and operating efficiencies.
Asset quality saw further strengthening, with Gross NPA improving to 2.51% from 3.21% in Q4 FY26. Credit cost declined to ₹40 crore, marking the seventh consecutive quarterly reduction. Commenting on the performance, Mr. Sanjay Garyali, MD & CEO, stated that the results validate the company's disciplined approach to underwriting, risk management, and execution, positioning Fusion Finance for responsible scaling.
Fusion Finance maintained a robust balance sheet with a CRAR of 36.95% and liquidity of ₹1,880 crore. The marginal cost of borrowing declined approximately 246 basis points year-on-year to 10.1%, while maintaining a healthy debt-to-equity ratio of 2.3x. Technology-led initiatives, including the phased rollout of a Loan Management System and AI-enabled capabilities, are driving compliance, reducing costs, and enhancing customer onboarding. The company sees Q1 FY27 as a transition to sustainable growth, with continued improvements across profitability, portfolio quality, capital strength, and operational efficiency.
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