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 Consolidated
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 Multi segment
Description of 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



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 Consolidated
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 13479900000
Other income 987500000
Total income 14467400000
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 5598600000
(e) Finance costs 87700000
(f) Depreciation, depletion and amortisation expense 334800000
(f) Other Expenses
1 Advertising and promotion expenses 2531500000 2531500000
2 Network and internet expenses 425800000 425800000
3 Other expenses 4580100000 4580100000
Total other expenses 7537400000
Total expenses 13558500000
3 Total profit before exceptional items and tax 908900000
4 Exceptional items 0
5 Total profit before tax 908900000
6 Tax expense
7 Current tax 76900000
8 Deferred tax 0
9 Total tax expenses 76900000
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 832000000
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 14500000
16 Total profit (loss) for period 846500000
17 Other comprehensive income net of taxes -26100000
18 Total Comprehensive Income for the period 820400000
19 Total profit or loss, attributable to
Profit or loss, attributable to owners of parent 845900000
Total profit or loss, attributable to non-controlling interests 600000
20 Total Comprehensive income for the period attributable to
Comprehensive income for the period attributable to owners of parent 819800000
Total comprehensive income for the period attributable to owners of parent non-controlling interests 600000
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 1.85
Diluted earnings (loss) per share from continuing operations 1.82
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 1.85
Diluted earnings (loss) per share from continuing and discontinued operations 1.82
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 Consolidated
1 Segment Revenue (Income)
(net sale/income from each segment should be disclosed)
1 Insurance broker services 11869500000 11869500000
2 Other services 1610400000 1610400000
Total Segment Revenue 13479900000
Less: Inter segment revenue 0 0
Revenue from operations 13479900000
2 Segment Result
Profit (+) / Loss (-) before tax and interest from each segment
1 Insurance broker services 2014800000 2014800000
2 Other services -1003700000 -1003700000
Total Profit before tax 1011100000
i. Finance cost 87700000 87700000
ii. Other Unallocable Expenditure net off Unallocable income 0 0
Profit before tax 923400000
3 (Segment Asset - Segment Liabilities)
Segment Asset
1 Insurance broker services 32780900000 32780900000
2 Other services 43983000000 43983000000
Total Segment Asset 76763900000 76763900000
Un-allocable Assets 0 0
Net Segment Asset 76763900000 76763900000
4 Segment Liabilities
Segment Liabilities
1 Insurance broker services 7663100000 7663100000
2 Other services 3366600000 3366600000
Total Segment Liabilities 11029700000 11029700000
Un-allocable Liabilities 0 0
Net Segment Liabilities 11029700000 11029700000
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 Consolidated
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] -28100000 -28100000
Total Amount of items that will not be reclassified to profit and loss -28100000
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
1 Exchange differences on translation of foreign operations [gain] 2000000 2000000
Total Amount of items that will be reclassified to profit and loss 2000000
4 Income tax relating to items that will be reclassified to profit or loss 0
5 Total Other comprehensive income -26100000