| 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 | 02-02-2026 |
| Date on which prior intimation of the meeting for considering financial results was informed to the exchange | 27-01-2026 |
| Description of presentation currency | INR |
| Level of rounding used in financial results | Lakhs |
| Reporting Type | Quarterly |
| Reporting Quarter | Third 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 | Unaudited |
| Segment Reporting | Single segment |
| Description of single segment | Single segment |
| Start date and time of board meeting | 02-02-2026 15:15:00 |
| End date and time of board meeting | 02-02-2026 16:55:00 |
| 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 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 |
| We do not have borrowings during the quarter and hence this is 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 | 01-10-2025 | 01-04-2025 |
| B | Date of end of reporting period | 31-12-2025 | 31-12-2025 |
| C | Whether results are audited or unaudited | Unaudited | Unaudited |
| D | Nature of report standalone or consolidated | Standalone | Standalone |
| 1 | Income | ||
| Revenue from operations | 5,366.00 | 14,323.00 | |
| Other income | 5,405.00 | 16,299.00 | |
| Total income | 10,771.00 | 30,622.00 | |
| 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 | 3,207.00 | 10,667.00 |
| (e) | Finance costs | 82.00 | 194.00 |
| (f) | Depreciation, depletion and amortisation expense | 89.00 | 266.00 |
| (f) | Other Expenses | ||
| 1 | Advertising and promotion expenses | 4,952.00 | 15,157.00 |
| 2 | Network and internet expenses | 264.00 | 592.00 |
| 3 | Other expenses | 233.00 | 941.00 |
| Total other expenses | 5,449.00 | 16,690.00 | |
| Total expenses | 8,827.00 | 27,817.00 | |
| 3 | Total profit before exceptional items and tax | 1,944.00 | 2,805.00 |
| 4 | Exceptional items | 0.00 | 0.00 |
| 5 | Total profit before tax | 1,944.00 | 2,805.00 |
| 6 | Tax expense | ||
| 7 | Current tax | 369.00 | 439.00 |
| 8 | Deferred tax | 0.00 | 0.00 |
| 9 | Total tax expenses | 369.00 | 439.00 |
| 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 | 1,575.00 | 2,366.00 |
| 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 | 0.00 | 0.00 |
| 16 | Total profit (loss) for period | 1,575.00 | 2,366.00 |
| 17 | Other comprehensive income net of taxes | 60.00 | 62.00 |
| 18 | Total Comprehensive Income for the period | 1,635.00 | 2,428.00 |
| 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 | 9,253.00 | 9,253.00 | |
| 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 | 0.34 | 0.52 | |
| Diluted earnings (loss) per share from continuing operations | 0.34 | 0.51 | |
| 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 | 0.34 | 0.52 | |
| Diluted earnings (loss) per share from continuing and discontinued operations | 0.34 | 0.51 | |
| 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 | 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 | 01-10-2025 | 01-04-2025 | |||||
| Date of end of reporting period | 31-12-2025 | 31-12-2025 | |||||
| Whether results are audited or unaudited | Unaudited | Unaudited | |||||
| Nature of report standalone or consolidated | Standalone | 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 | |||||||
| 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 | 01-10-2025 | 01-04-2025 |
| B | Date of end of reporting period | 31-12-2025 | 31-12-2025 |
| C | Whether results are audited or unaudited | Unaudited | Unaudited |
| D | Nature of report standalone or consolidated | Standalone | Standalone |
| Other comprehensive income [Abstract] | |||
| 1 | Amount of items that will not be reclassified to profit and loss | ||
| 1 | Remeasurement of post employment benefits obligations income | 60.00 | 62.00 |
| Total Amount of items that will not be reclassified to profit and loss | 60.00 | 62.00 | |
| 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 | ||
| 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 | ||
| 5 | Total Other comprehensive income | 60.00 | 62.00 |
| Mode of Fund Raising | Public Issues |
|---|---|
| Description of mode of fund raising (Applicable in case of others is selected) | |
| Date of Raising Funds | 15-11-2021 |
| Amount Raised | 5,70,971.50 |
| Report filed for Quarter ended | 31-12-2025 |
| 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 | Not Applicable |
| Comments of the Audit Committee after review | No Comments |
| Comments of the auditors, if any | No Comments |
| 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 | 1,50,000.00 | 1,50,000.00 | 1,50,000.00 | 0.00 | Not Applicable |
| 2 | New opportunities to expand growth initiatives to increase our Consumer base including offline presence | Not Applicable | 37,500.00 | 79,851.90 | 60,831.20 | 0.00 | (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 | 60,000.00 | 42,648.10 | 42,648.10 | 0.00 | (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 | 37,500.00 | 12,500.00 | 9,407.90 | 0.00 | (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 | 76,309.00 | 76,268.50 | 76,268.50 | 0.00 | (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 |
| Name of signatory | Bhasker Joshi |
| Designation of person | Company Secretary and Compliance Officer |
| Place | Gurugram |
| Date | 02-02-2026 |