Poonawalla Fincorp Q4FY26 PAT Jumps 69.6% QoQ to ₹255 Crore; AUM at ₹60,348 Cr
Poonawalla Fincorp reported Q4FY26 PAT of ₹255 crore, up 69.6% QoQ. AUM reached ₹60,348 crore with NII growing 78.5% YoY to ₹1,276 crore. NIM improved to 9.05%. The company raised ₹2,500 crore via QIP, boosting its CAR to a simulated 20.74%.
The substantial increase in profitability, robust AUM growth, improved NIM, and successful capital raise of ₹2,500 crore are significant positive developments that will likely impact investor sentiment and the company's future growth prospects.
The company reported strong year-on-year and quarter-on-quarter growth in PAT, NII, and PPoP. Improved NIMs, stable asset quality, and a significant capital raise further strengthen the positive outlook.
Poonawalla Fincorp Limited announced its audited financial results for the quarter and year ending March 31, 2026. The Assets Under Management (AUM) stood at ₹60,348 crore. Net Interest Income (NII) grew by 78.5% year-on-year to ₹1,276 crore during the quarter. The Net Interest Margin (NIM) was reported at 9.05% in Q4FY26, an improvement of 43 basis points quarter-on-quarter from 8.62% in Q3FY26. Profit Before Provision and Contingencies (PPoP) increased by 108.7% year-on-year to ₹695 crore for the quarter ended March 31, 2026.
The Profit After Tax (PAT) for Q4FY26 was ₹255 crore, a significant increase from ₹150 crore in Q3FY26, representing a 69.6% quarter-on-quarter growth. The company maintained stable asset quality with Gross Non-Performing Assets (GNPA) at 1.44% and Net Non-Performing Assets (NNPA) at 0.74% as of March 31, 2026. Credit cost as a percentage to average AUM was 2.51%.
Stage 1 Assets constituted 97.5% of on-book assets. The Capital Adequacy Ratio (CAR) stood at 16.83% (Tier-1 at 15.90%), well above the regulatory requirement of 15%. Post a successful ₹2,500 crore capital raise through QIP, the simulated CAR is 20.74%, providing ample room for future growth. The liquidity buffer was ₹7,590 crore as of March 31, 2026. The cost of borrowing was 7.63% for the quarter, a decrease of 2 basis points from Q3FY26.
Commenting on the results, Mr. Arvind Kapil, Managing Director and CEO, stated, “We have reached a pivotal inflection point in our growth trajectory. By simultaneously expanding our yields and optimizing our operating architecture, we are seeing a powerful expansion in incremental NIMs. With credit costs trending lower and Opex-to-AUM decoupling, the business is now primed for high-quality, sustained profitability. Even as this operating leverage kicks in, we remain committed to strategic investments this fiscal year, ensuring our current momentum translates into a long-term, healthy, and durable earnings model.” The company also added 19 new AI projects this quarter, bringing the total to 76, with 42 successfully implemented.
What to do with a filing like this
Poonawalla Fincorp Limited filed this with the NSE as a statutory disclosure, categorised under quarterly results. It is a primary document, not a recommendation, and the desk marks it high impact, which is the band that most often changes something.
That call is the part a filing cannot make for you. On RealCase, SEBI-registered research analysts and investment advisers read announcements like this one and turn the ones that matter into actions inside their model portfolios: a change in weight, a hold, or nothing at all. You are not left working out which of the roughly 250 filings published each day needs a response. The portfolio you follow is updated when a filing actually warrants it, with the reason written down.
See the model portfoliosA plain-language summary of a public exchange filing by Poonawalla Fincorp Limited. Read the original for the full detail.