| 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 | 01-04-2025 |
| Date of end of financial year | 31-03-2026 |
| Date of board meeting when results were approved | 29-10-2025 |
| Date on which prior intimation of the meeting for considering financial results was informed to the exchange | 07-10-2025 |
| Description of presentation currency | INR |
| Level of rounding used in financial results | Lakhs |
| Reporting Type | Quarterly |
| Reporting Quarter | Second 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 | Unaudited |
| Segment Reporting | Multi segment |
| Description of single segment | |
| Start date and time of board meeting | 29-10-2025 14:00:00 |
| End date and time of board meeting | 29-10-2025 16:15:00 |
| Whether cash flow statement is applicable on company | Yes |
| Type of cash flow statement | Cash Flow Indirect |
| Declaration of unmodified opinion or statement on impact of audit qualification | Not applicable |
| 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 | 01-07-2025 | 01-04-2025 |
| B | Date of end of reporting period | 30-09-2025 | 30-09-2025 |
| C | Whether results are audited or unaudited | Unaudited | Unaudited |
| D | Nature of report standalone or consolidated | Consolidated | Consolidated |
| 1 | Income | ||
| Revenue from operations | 1,61,355.00 | 2,96,154.00 | |
| Other income | 8,451.00 | 18,327.00 | |
| Total income | 1,69,806.00 | 3,14,481.00 | |
| 2 | Expenses | ||
| (a) | Cost of materials consumed | 0.00 | 0.00 |
| (b) | Purchases of stock-in-trade | 0.00 | 0.00 |
| (c) | Changes in inventories of finished goods, work-in-progress and stock-in-trade | 0.00 | 0.00 |
| (d) | Employee benefit expense | 60,001.00 | 1,15,987.00 |
| (e) | Finance costs | 923.00 | 1,800.00 |
| (f) | Depreciation, depletion and amortisation expense | 3,386.00 | 6,734.00 |
| (f) | Other Expenses | ||
| 1 | Advertising and promotion expenses | 28,010.00 | 53,325.00 |
| 2 | Network and internet expenses | 4,313.00 | 8,571.00 |
| 3 | Other expenses | 59,249.00 | 1,05,051.00 |
| Total other expenses | 91,572.00 | 1,66,947.00 | |
| Total expenses | 1,55,882.00 | 2,91,468.00 | |
| 3 | Total profit before exceptional items and tax | 13,924.00 | 23,013.00 |
| 4 | Exceptional items | 0.00 | 0.00 |
| 5 | Total profit before tax | 13,924.00 | 23,013.00 |
| 6 | Tax expense | ||
| 7 | Current tax | 717.00 | 1,486.00 |
| 8 | Deferred tax | 0.00 | 0.00 |
| 9 | Total tax expenses | 717.00 | 1,486.00 |
| 10 | Net movement in regulatory deferral account balances related to profit or loss and the related deferred tax movement | 0.00 | 0.00 |
| 11 | Net Profit Loss for the period from continuing operations | 13,207.00 | 21,527.00 |
| 12 | Profit (loss) from discontinued operations before tax | 0.00 | 0.00 |
| 13 | Tax expense of discontinued operations | 0.00 | 0.00 |
| 14 | Net profit (loss) from discontinued operation after tax | 0.00 | 0.00 |
| 15 | Share of profit (loss) of associates and joint ventures accounted for using equity method | 282.00 | 427.00 |
| 16 | Total profit (loss) for period | 13,489.00 | 21,954.00 |
| 17 | Other comprehensive income net of taxes | 985.00 | 724.00 |
| 18 | Total Comprehensive Income for the period | 14,474.00 | 22,678.00 |
| 19 | Total profit or loss, attributable to | ||
| Profit or loss, attributable to owners of parent | 13,486.00 | 21,945.00 | |
| Total profit or loss, attributable to non-controlling interests | 3.00 | 9.00 | |
| 20 | Total Comprehensive income for the period attributable to | ||
| Comprehensive income for the period attributable to owners of parent | 985.00 | 724.00 | |
| Total comprehensive income for the period attributable to owners of parent non-controlling interests | 0.00 | 0.00 | |
| 21 | Details of equity share capital | ||
| Paid-up equity share capital | 9,186.00 | 9,186.00 | |
| Face value of equity share capital | 2 | 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 | 2.94 | 4.79 | |
| Diluted earnings (loss) per share from continuing operations | 2.89 | 4.7 | |
| ii | Earnings per equity share for discontinued operations | ||
| Basic earnings (loss) per share from discontinued operations | 0 | 0 | |
| Diluted earnings (loss) per share from discontinued operations | 0 | 0 | |
| ii | Earnings per equity share | ||
| Basic earnings (loss) per share from continuing and discontinued operations | 2.94 | 4.79 | |
| Diluted earnings (loss) per share from continuing and discontinued operations | 2.89 | 4.7 | |
| 24 | Debt equity ratio | ||
| 25 | Debt service coverage ratio | ||
| 26 | Interest service coverage ratio | ||
| 27 | Disclosure of notes on financial results | ||
| Debt equity ratio | |
|---|---|
| Debt service coverage ratio | |
| Interest service coverage ratio |
| Particulars | Year ended (dd-mm-yyyy) | ||
|---|---|---|---|
| Date of start of reporting period | 01-04-2025 | ||
| Date of end of reporting period | 30-09-2025 | ||
| Whether results are audited or unaudited | Unaudited | ||
| Nature of report standalone or consolidated | Consolidated | ||
| Assets | |||
| 1 | Non-current assets | ||
| Property, plant and equipment | 40,527.00 | ||
| Capital work-in-progress | 0.00 | ||
| Investment property | 0.00 | ||
| Goodwill | 138.00 | ||
| Other intangible assets | 683.00 | ||
| Intangible assets under development | 0.00 | ||
| Biological assets other than bearer plants | 0.00 | ||
| Investments accounted for using equity method | 55,871.00 | ||
| Non-current financial assets | |||
| Non-current investments | 1,46,817.00 | ||
| Trade receivables, non-current | 19,337.00 | ||
| Loans, non-current | 0.00 | ||
| Other non-current financial assets | 1,38,554.00 | ||
| Total non-current financial assets | 3,04,708.00 | ||
| Deferred tax assets (net) | 0.00 | ||
| Other non-current assets | 56,161.00 | ||
| Total non-current assets | 4,58,088.00 | ||
| 2 | Current assets | ||
| Inventories | 0.00 | ||
| Current financial asset | |||
| Current investments | 1,11,445.00 | ||
| Trade receivables, current | 1,16,885.00 | ||
| Cash and cash equivalents | 24,353.00 | ||
| Bank balance other than cash and cash equivalents | 13,683.00 | ||
| Loans, current | 248.00 | ||
| Other current financial assets | 60,250.00 | ||
| Total current financial assets | 3,26,864.00 | ||
| Current tax assets (net) | 0.00 | ||
| Other current assets | 8,969.00 | ||
| Total current assets | 3,35,833.00 | ||
| 3 | Non-current assets classified as held for sale | 0.00 | |
| 4 | Regulatory deferral account debit balances and related deferred tax Assets | 0.00 | |
| Total assets | 7,93,921.00 | ||
| Equity and liabilities | |||
| 1 | Equity | ||
| Equity attributable to owners of parent | |||
| Equity share capital | 9,186.00 | ||
| Other equity | 6,68,275.00 | ||
| Total equity attributable to owners of parent | 6,77,461.00 | ||
| Non controlling interest | |||
| Total equity | 6,77,461.00 | ||
| 2 | Liabilities | ||
| Non-current liabilities | |||
| Non-current financial liabilities | |||
| Borrowings, non-current | 0.00 | ||
| Trade payables, non-current | |||
| (A) Total outstanding dues of micro enterprises and small enterprises | 0.00 | ||
| (B) Total outstanding dues of creditors other than micro enterprises and small enterprises | 0.00 | ||
| Total Trade payable | 0.00 | ||
| Other non-current financial liabilities | 27,959.00 | ||
| Total non-current financial liabilities | 27,959.00 | ||
| Provisions, non-current | 6,760.00 | ||
| Deferred tax liabilities (net) | 0.00 | ||
| Deferred government grants, Non-current | 0.00 | ||
| Other non-current liabilities | 0.00 | ||
| Total non-current liabilities | 34,719.00 | ||
| Current liabilities | |||
| Current financial liabilities | |||
| Borrowings, current | 0.00 | ||
| Trade payables, current | |||
| (A) Total outstanding dues of micro enterprises and small enterprises | 739.00 | ||
| (B) Total outstanding dues of creditors other than micro enterprises and small enterprises | 36,491.00 | ||
| Total Trade payable | 37,230.00 | ||
| Other current financial liabilities | 27,176.00 | ||
| Total current financial liabilities | 64,406.00 | ||
| Other current liabilities | 11,225.00 | ||
| Provisions, current | 6,110.00 | ||
| Current tax liabilities (Net) | 0.00 | ||
| Deferred government grants, Current | 0.00 | ||
| Total current liabilities | 81,741.00 | ||
| 3 | Liabilities directly associated with assets in disposal group classified as held for sale | 0.00 | |
| 4 | Regulatory deferral account credit balances and related deferred tax liability | 0.00 | |
| Total liabilities | 1,16,460.00 | ||
| Total equity and liabilites | 7,93,921.00 | ||
| Disclosure of notes on assets and liabilities | Textual Information(1) | ||
| Textual Information(1) | Other equity includes amount of Non Controlling Interest amount to Rs. 563lakhs |
|---|
| 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 | 01-07-2025 | 01-04-2025 | |||||
| Date of end of reporting period | 30-09-2025 | 30-09-2025 | |||||
| Whether results are audited or unaudited | Unaudited | Unaudited | |||||
| Nature of report standalone or consolidated | Consolidated | Consolidated | |||||
| 1 | Segment Revenue (Income) | ||||||
| (net sale/income from each segment should be disclosed) | |||||||
| 1 | Insurance broker services | 1,42,816.00 | 2,61,511.00 | ||||
| 2 | Other services | 18,539.00 | 34,643.00 | ||||
| Total Segment Revenue | 1,61,355.00 | 2,96,154.00 | |||||
| Less: Inter segment revenue | |||||||
| Revenue from operations | 1,61,355.00 | 2,96,154.00 | |||||
| 2 | Segment Result | ||||||
| Profit (+) / Loss (-) before tax and interest from each segment | |||||||
| 1 | Insurance broker services | 18,827.00 | 32,434.00 | ||||
| 2 | Other services | (3,698.00) | (7,194.00) | ||||
| Total Profit before tax | 15,129.00 | 25,240.00 | |||||
| i. Finance cost | 923.00 | 1,800.00 | |||||
| ii. Other Unallocable Expenditure net off Unallocable income | |||||||
| Profit before tax | 14,206.00 | 23,440.00 | |||||
| 3 | (Segment Asset - Segment Liabilities) | ||||||
| Segment Asset | |||||||
| 1 | Insurance broker services | 3,73,426.00 | 3,73,426.00 | ||||
| 2 | Other services | 4,20,495.00 | 4,20,495.00 | ||||
| Total Segment Asset | 7,93,921.00 | 7,93,921.00 | |||||
| Un-allocable Assets | 0.00 | 0.00 | |||||
| Net Segment Asset | 7,93,921.00 | 7,93,921.00 | |||||
| 4 | Segment Liabilities | ||||||
| Segment Liabilities | |||||||
| 1 | Insurance broker services | 81,990.00 | 81,990.00 | ||||
| 2 | Other services | 34,470.00 | 34,470.00 | ||||
| Total Segment Liabilities | 1,16,460.00 | 1,16,460.00 | |||||
| Un-allocable Liabilities | 0.00 | 0.00 | |||||
| Net Segment Liabilities | 1,16,460.00 | 1,16,460.00 | |||||
| Disclosure of notes on segments | |||||||
| 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 | 01-07-2025 | 01-04-2025 |
| B | Date of end of reporting period | 30-09-2025 | 30-09-2025 |
| C | Whether results are audited or unaudited | Unaudited | Unaudited |
| D | Nature of report standalone or consolidated | 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 [gain/(loss)] | 494.00 | 213.00 |
| Total Amount of items that will not be reclassified to profit and loss | 494.00 | 213.00 | |
| 2 | Income tax relating to items that will not be reclassified to profit or loss | 0.00 | 0.00 |
| 3 | Amount of items that will be reclassified to profit and loss | ||
| 1 | - Exchange differences on translation of foreign operations [gain/(loss)] | 491.00 | 511.00 |
| Total Amount of items that will be reclassified to profit and loss | 491.00 | 511.00 | |
| 4 | Income tax relating to items that will be reclassified to profit or loss | 0.00 | 0.00 |
| 5 | Total Other comprehensive income | 985.00 | 724.00 |
| Particulars | Year ended (dd-mm-yyyy) | |||||
|---|---|---|---|---|---|---|
| A | Date of start of reporting period | 01-04-2025 | ||||
| B | Date of end of reporting period | 30-09-2025 | ||||
| C | Whether results are audited or unaudited | Unaudited | ||||
| D | Nature of report standalone or consolidated | Consolidated | ||||
| Statement of cash flows | ||||||
| Cash flows from used in operating activities | ||||||
| Profit before tax | 23,013.00 | |||||
| Adjustments for reconcile profit (loss) | ||||||
| Adjustments for finance costs | 1,800.00 | |||||
| Adjustments for decrease (increase) in inventories | 0.00 | |||||
| Adjustments for decrease (increase) in trade receivables, current | (24,699.00) | |||||
| Adjustments for decrease (increase) in trade receivables, non-current | 0.00 | |||||
| Adjustments for decrease (increase) in other current assets | (2,582.00) | |||||
| Adjustments for decrease (increase) in other non-current assets | 0.00 | |||||
| Adjustments for other financial assets, non-current | 0.00 | |||||
| Adjustments for other financial assets, current | (234.00) | |||||
| Adjustments for other bank balances | 0.00 | |||||
| Adjustments for increase (decrease) in trade payables, current | 397.00 | |||||
| Adjustments for increase (decrease) in trade payables, non-current | 0.00 | |||||
| Adjustments for increase (decrease) in other current liabilities | 2,075.00 | |||||
| Adjustments for increase (decrease) in other non-current liabilities | 0.00 | |||||
| Adjustments for depreciation and amortisation expense | 6,734.00 | |||||
| Adjustments for impairment loss reversal of impairment loss recognised in profit or loss | 0.00 | |||||
| Adjustments for provisions, current | 1,370.00 | |||||
| Adjustments for provisions, non-current | 0.00 | |||||
| Adjustments for other financial liabilities, current | 440.00 | |||||
| Adjustments for other financial liabilities, non-current | 0.00 | |||||
| Adjustments for unrealised foreign exchange losses gains | 38.00 | |||||
| Adjustments for dividend income | 0.00 | |||||
| Adjustments for interest income | 16,359.00 | |||||
| Adjustments for share-based payments | 10,967.00 | |||||
| Adjustments for fair value losses (gains) | (1,380.00) | |||||
| Adjustments for undistributed profits of associates | 0.00 | |||||
| Other adjustments for which cash effects are investing or financing cash flow | 0.00 | |||||
| Other adjustments to reconcile profit (loss) | 0.00 | |||||
| Other adjustments for non-cash items | 1,419.00 | |||||
| Share of profit and loss from partnership firm or association of persons or limited liability partnerships | 0.00 | |||||
| Total adjustments for reconcile profit (loss) | (20,014.00) | |||||
| Net cash flows from (used in) operations | 2,999.00 | |||||
| Dividends received | 0.00 | |||||
| Interest paid | 0.00 | |||||
| Interest received | 0.00 | |||||
| Income taxes paid (refund) | 14,080.00 | |||||
| Other inflows (outflows) of cash | 0.00 | |||||
| Net cash flows from (used in) operating activities | (11,081.00) | |||||
| Cash flows from used in investing activities | ||||||
| Cash flows from losing control of subsidiaries or other businesses | 0.00 | |||||
| Cash flows used in obtaining control of subsidiaries or other businesses | 0.00 | |||||
| Other cash receipts from sales of equity or debt instruments of other entities | 0.00 | |||||
| Other cash payments to acquire equity or debt instruments of other entities | 53,940.00 | |||||
| Other cash receipts from sales of interests in joint ventures | 0.00 | |||||
| Other cash payments to acquire interests in joint ventures | 0.00 | |||||
| Cash receipts from share of profits of partnership firm or association of persons or limited liability partnerships | 0.00 | |||||
| Cash payment for investment in partnership firm or association of persons or limited liability partnerships | 0.00 | |||||
| Proceeds from sales of property, plant and equipment | 3.00 | |||||
| Purchase of property, plant and equipment | 2,684.00 | |||||
| Proceeds from sales of investment property | 0.00 | |||||
| Purchase of investment property | 0.00 | |||||
| Proceeds from sales of intangible assets | 0.00 | |||||
| Purchase of intangible assets | 0.00 | |||||
| Proceeds from sales of intangible assets under development | 0.00 | |||||
| Purchase of intangible assets under development | 0.00 | |||||
| Proceeds from sales of goodwill | 0.00 | |||||
| Purchase of goodwill | 0.00 | |||||
| Proceeds from biological assets other than bearer plants | 0.00 | |||||
| Purchase of biological assets other than bearer plants | 0.00 | |||||
| Proceeds from government grants | 0.00 | |||||
| Proceeds from sales of other long-term assets | 0.00 | |||||
| Purchase of other long-term assets | 2,527.00 | |||||
| Cash advances and loans made to other parties | 0.00 | |||||
| Cash receipts from repayment of advances and loans made to other parties | 2,000.00 | |||||
| Cash payments for future contracts, forward contracts, option contracts and swap contracts | 0.00 | |||||
| Cash receipts from future contracts, forward contracts, option contracts and swap contracts | 0.00 | |||||
| Dividends received | 0.00 | |||||
| Interest received | 13,067.00 | |||||
| Income taxes paid (refund) | 0.00 | |||||
| Other inflows (outflows) of cash | 27,125.00 | |||||
| Net cash flows from (used in) investing activities | (16,956.00) | |||||
| Cash flows from used in financing activities | ||||||
| Proceeds from changes in ownership interests in subsidiaries | 0.00 | |||||
| Payments from changes in ownership interests in subsidiaries | 0.00 | |||||
| Proceeds from issuing shares | 1.00 | |||||
| Proceeds from issuing other equity instruments | 0.00 | |||||
| Payments to acquire or redeem entity's shares | 0.00 | |||||
| Payments of other equity instruments | 0.00 | |||||
| Proceeds from exercise of stock options | 0.00 | |||||
| Proceeds from issuing debentures notes bonds etc | 0.00 | |||||
| Proceeds from borrowings | 0.00 | |||||
| Repayments of borrowings | 0.00 | |||||
| Payments of lease liabilities | 4,174.00 | |||||
| Dividends paid | 0.00 | |||||
| Interest paid | 0.00 | |||||
| Income taxes paid (refund) | 0.00 | |||||
| Other inflows (outflows) of cash | 0.00 | |||||
| Net cash flows from (used in) financing activities | (4,173.00) | |||||
| Net increase (decrease) in cash and cash equivalents before effect of exchange rate changes | (32,210.00) | |||||
| Effect of exchange rate changes on cash and cash equivalents | ||||||
| Effect of exchange rate changes on cash and cash equivalents | 511.00 | |||||
| Net increase (decrease) in cash and cash equivalents | (31,699.00) | |||||
| Cash and cash equivalents cash flow statement at beginning of period | 56,052.00 | |||||
| Cash and cash equivalents cash flow statement at end of period | 24,353.00 | |||||