Integrated Filing — IndAS



General information about company
Scrip Code 543390
NSE Symbol POLICYBZR
MSEI Symbol NOTLISTED
ISIN INE417T01026
Name of company PB Fintech Limited
Type of company Main Board
Class of security Equity
Date of start of financial year 01-Apr-2025
Date of end of financial year 31-Mar-2026
Date of board meeting when results were approved 31-Jul-2025
Date on which prior intimation of the meeting for considering financial results was informed to the exchange 14-Jul-2025
Description of presentation currency INR (in Actuals)
Reporting Type Quarterly
Reporting Quarter First quarter
Nature of report standalone or consolidated Standalone
Whether results are audited or unaudited for the quarter ended Unaudited
Whether results are audited or unaudited for the Year to date for current period ended/year ended
Segment Reporting Single segment
Description of single segment Single segment
Start date and time of board meeting 31-Jul-2025   16:05:00
End date and time of board meeting 31-Jul-2025   18:40:00
Whether cash flow statement is applicable on company
Type of cash flow statement
Declaration of unmodified opinion or statement on impact of audit qualification Not applicable
Whether the company has any related party?
Whether the company has entered into any Related Party transaction during the selected half year for which it wants to submit disclosure?
(I) We declare that the acceptance of fixed deposits by the bans/Non-Banking Finance Company are at the terms uniformly applicable/offered to all shareholders/public
(II) We declare that the scheduled commercial bank, as per RBI circular RBI/DBR/2015-16/19 dated March 03, 2016, has allowed additional interest of one per cent per annum, over and above the rate of interest mentioned in the schedule of interest rates on savings or a term deposits of banks staff and their exclusive associations as well as on deposits of Chairman, Chairman & Managing Director, Executive Director or such other Executives appointed for a fixed tenure.
Whether the company is a high value debt listed entity according to regulation 15 (1A)?
(a) If answer to above question is Yes, whether complying with proviso to regulation 23 (9), i.e., submitting RPT disclosures on the day of results publication?
(b) If answer to above question is No, please explain the reason for not complying.
Whether the updated Related Party Transactions (RPT) Policy (in compliance with Reg. 23 of SEBI LODR) has been uploaded on the website of the Company?
Latest Date on which RPT policy is updated
Indicate Company website link for updated RPT policy of the Company
Whether statement on deviation or variation for proceeds of public issue, rights issue, preferential issue, qualified institutions placement etc. is applicable to the company for the current quarter? Yes
No. of times funds raised during the quarter 1
Whether the disclosure for the Default on Loans and Debt Securities is applicable to the entity? No
Company has no borrowings at any time during the quarter and hence this is not applicable.



Financial Results Ind-AS
Particulars 3 months/ 6 months ended (dd-mm-yyyy) Year to date figures for current period ended (dd-mm-yyyy)
A Date of start of reporting period 01-Apr-2025
B Date of end of reporting period 30-Jun-2025
C Whether results are audited or unaudited Unaudited
D Nature of report standalone or consolidated Standalone
Part I Blue color marked fields are non-mandatory. For Consolidated Results, if the company has no figures for 3 months / 6 months ended, in such case zero shall be inserted in the said column.
1 Income
Revenue from operations 401900000
Other income 564500000
Total income 966400000
2 Expenses
(a) Cost of materials consumed 0
(b) Purchases of stock-in-trade 0
(c) Changes in inventories of finished goods, work-in-progress and stock-in-trade 0
(d) Employee benefit expense 372200000
(e) Finance costs 2900000
(f) Depreciation, depletion and amortisation expense 8600000
(f) Other Expenses
1 Advertising and promotion expenses 449200000 449200000
2 Network and internet expenses 13100000 13100000
3 Other expenses 41600000 41600000
Total other expenses 503900000
Total expenses 887600000
3 Total profit before exceptional items and tax 78800000
4 Exceptional items 0
5 Total profit before tax 78800000
6 Tax expense
7 Current tax 6600000
8 Deferred tax 0
9 Total tax expenses 6600000
10 Net movement in regulatory deferral account balances related to profit or loss and the related deferred tax movement 0
11 Net Profit Loss for the period from continuing operations 72200000
12 Profit (loss) from discontinued operations before tax 0
13 Tax expense of discontinued operations 0
14 Net profit (loss) from discontinued operation after tax 0
15 Share of profit (loss) of associates and joint ventures accounted for using equity method 0
16 Total profit (loss) for period 72200000
17 Other comprehensive income net of taxes -1800000
18 Total Comprehensive Income for the period 70400000
19 Total profit or loss, attributable to
Profit or loss, attributable to owners of parent
Total profit or loss, attributable to non-controlling interests
20 Total Comprehensive income for the period attributable to
Comprehensive income for the period attributable to owners of parent
Total comprehensive income for the period attributable to owners of parent non-controlling interests
21 Details of equity share capital
Paid-up equity share capital 918500000
Face value of equity share capital 2
27 Details of debt securities
22 Reserves excluding revaluation reserve
23 Earnings per share
i Earnings per equity share for continuing operations
Basic earnings (loss) per share from continuing operations 0.16
Diluted earnings (loss) per share from continuing operations 0.16
ii Earnings per equity share for discontinued operations
Basic earnings (loss) per share from discontinued operations 0
Diluted earnings (loss) per share from discontinued operations 0
ii Earnings per equity share
Basic earnings (loss) per share from continuing and discontinued operations 0.16
Diluted earnings (loss) per share from continuing and discontinued operations 0.16
24 Debt equity ratio
25 Debt service coverage ratio
26 Interest service coverage ratio
27 Disclosure of notes on financial results



Remarks
Debt equity ratio
Debt service coverage ratio
Interest service coverage ratio


Format for Reporting Segmenet wise Revenue, Results and Capital Employed along with the company results
Particulars 3 months/ 6 month ended (dd-mm-yyyy) Year to date figures for current period ended (dd-mm-yyyy)
Date of start of reporting period 01-Apr-2025
Date of end of reporting period 30-Jun-2025
Whether accounts are audited or unaudited Unaudited
Nature of report standalone or consolidated Standalone
1 Segment Revenue (Income)
(net sale/income from each segment should be disclosed)
Total Segment Revenue
Less: Inter segment revenue
Revenue from operations
2 Segment Result
Profit (+) / Loss (-) before tax and interest from each segment
Total Profit before tax
i. Finance cost
ii. Other Unallocable Expenditure net off Unallocable income
Profit before tax
3 (Segment Asset - Segment Liabilities)
Segment Asset
Total Segment Asset
Un-allocable Assets null null
Net Segment Asset null null
4 Segment Liabilities
Segment Liabilities
Total Segment Liabilities
Un-allocable Liabilities null null
Net Segment Liabilities null null
Disclosure of notes on segments



Other Comprehensive Income
Particulars 3 months/ 6 months ended (dd-mm-yyyy) Year to date figures for current period ended (dd-mm-yyyy)
A Date of start of reporting period 01-Apr-2025
B Date of end of reporting period 30-Jun-2025
C Whether results are audited or unaudited Unaudited
D Nature of report standalone or consolidated Standalone
Other comprehensive income [Abstract]
1 Amount of items that will not be reclassified to profit and loss
1 Remeasurement of post employment benefit obligations [loss] -1800000 -1800000
Total Amount of items that will not be reclassified to profit and loss -1800000
2 Income tax relating to items that will not be reclassified to profit or loss 0
3 Amount of items that will be reclassified to profit and loss
Total Amount of items that will be reclassified to profit and loss
4 Income tax relating to items that will be reclassified to profit or loss 0
5 Total Other comprehensive income -1800000





Statement on Deviation or Variation for proceeds of Public Issue, Rights Issue, Preferential Issue, Qualified Institutions Placement Etc. (1)
Mode of Fund Raising Public Issues
Description of mode of fund raising (Applicable in case of others is selected)
Date of Raising Funds 15-Nov-2021
Amount Raised 57097150000
Report filed for Quarter ended 30-Jun-2025
Monitoring Agency Applicable
Monitoring Agency Name, if applicable ICICI Bank Limited
Is there a Deviation / Variation in use of funds raised No
If yes, whether the same is pursuant to change in terms of a contract or objects, which was approved by the shareholders
If Yes, Date of shareholder Approval
Explanation for the Deviation / Variation
Comments of the Audit Committee after review
Comments of the auditors, if any
Sr. Original Object Modified Object, if any Original Allocation Modified allocation, if any Funds Utilised Amount of Deviation/Variation for the quarter according to applicable object Remarks if any
1 Enhancing visibility and awareness of our brands, including but not limited to “Policybazaar” and “Paisabazaar” Not Applicable 15000000000 15000000000 15000000000 0 Not Applicable
2 New opportunities to expand growth initiatives to increase our Consumer base including offline presence Not Applicable 3750000000 7985190000 4152120000 0 (a) During the quarter ended March 31, 2025, the Company has altered the objects for which the amount was raised; and extended the time limit for the utilization of funds raised in the Initial Public Offer till March 31, 2026, through special resolution and postal ballot results dated March 16, 2025. (b) Rs. 42,351.90 Lakhs (comprising Rs.17,351.90 lakhs of estimated unutilized proceeds as at March 31, 2025, for Object no. 3; and Rs. 25,000 lakhs of estimated unutilized proceeds as at March 31, 2025, for Object no. 4) will be utilized towards new opportunities to expand growth initiatives to increase our consumer base including offline presence. On finalization of offer expenses, the amount proposed to be utilized under Object no. 2 (New opportunities to expand growth initiatives to increase our Consumer base including offline presence) is revised to Rs. 79,851.90 lakhs as compared to the original amount of Rs. 37,500 lakhs. The timeline for utilization of Rs. 42,351.90 lakhs proceeds to be extended to March 31, 2026.
3 Funding Strategic investments and acquisitions Not Applicable 6000000000 4264810000 4264810000 0 (a) During the quarter ended March 31, 2025, the Company has altered the objects for which the amount was raised; and extended the time limit for the utilization of funds raised in the Initial Public Offer till March 31, 2026, through special resolution and postal ballot results dated March 16, 2025. (c) Rs. 17,351.90 lakhs of proceeds estimated to be unutilized as at March 31, 2025, to be directed towards Object no. 2, i.e. utilization for new opportunities to expand growth initiatives to increase our consumer base including offline presence. On finalization of offer expenses, the amount proposed to be utilized under Object no. 3 (Funding Strategic investments and acquisitions) is revised to Rs. 42,648.10 lakhs as compared to the original amount of Rs. 60,000 lakhs. Timeline for utilization of Rs. 34,995 lakhs of proceeds estimated to be unutilized as at March 31, 2025, to be extended to March 31, 2026.
4 Expanding our presence outside India Not Applicable 3750000000 1250000000 940790000 0 (a) During the quarter ended March 31, 2025, the Company has altered the objects for which the amount was raised; and extended the time limit for the utilization of funds raised in the Initial Public Offer till March 31, 2026, through special resolution and postal ballot results dated March 16, 2025. (d) Rs. 25,000 lakhs to be directed towards Object no. 2, i.e. utilization for new opportunities to expand growth initiatives to increase our consumer base including offline presence. On finalization of offer expenses, the amount proposed to be utilized under Object no. 4 (Expanding our presence outside India) is revised to Rs. 12,500 lakhs as compared to the original amount of Rs. 37,500 lakhs. Timelines for utilization of Rs. 3,092.10 lakhs of proceeds estimated to be unutilized as at March 31, 2025, to be extended to March 31, 2026.
5 General corporate purposes Not Applicable 7630900000 7626850000 7626850000 0 (e) On finalization of offer expenses during the quarter ended December 31, 2021, the amount proposed to be utilized for General Corporate purpose has been revised to Rs. 76,210.80 lakhs as compared to original amount of Rs. 76,309 lakhs. During the quarter ended September 30, 2023, an amount of Rs. 57.70 lakhs has been added to IPO proceeds amount under Object no.5_General Corporate Purposes as this pertains to reversal of earlier provision, which was created for expenses pertaining to IPO. On finalization of offer expenses, the amount proposed to be utilized for General Corporate Purpose is revised to Rs. 76,268.50 lakhs as compared to the original amount of Rs. 76,309 lakhs


Signatory Details
Name of signatory Bhasker Joshi
Designation of person Company Secretary and Compliance Officer
Place Gurugram
Date 31-Jul-2025