| Scrip code | 524000 |
|---|---|
| NSE Symbol | POONAWALLA |
| MSEI Symbol | NA |
| ISIN | INE511C01022 |
| Name of company | Poonawalla Fincorp 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 | 16-01-2026 |
| Date on which prior intimation of the meeting for considering financial results was informed to the exchange | 29-12-2025 |
| 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 | 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 | Single segment |
| Description of single segment | Lending Business |
| Start date and time of board meeting | 16-01-2026 14:15:00 |
| End date and time of board meeting | 16-01-2026 15:40:00 |
| 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 |
| 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 | Consolidated | Consolidated |
| 1 | Income | ||
| Revenue from operations | |||
| (i) | Interest Income | 1,65,965.00 | 4,24,722.00 |
| (ii) | Dividend Income | 0.00 | 0.00 |
| (iii) | Rental Income | 158.00 | 748.00 |
| (iv) | Fees and commission Income | 11,573.00 | 28,100.00 |
| (v) | Net gain on fair value changes | 0.00 | 3.00 |
| (vi) | Net gain on derecognition of financial instruments under amortised cost category | 4,146.00 | 13,896.00 |
| (vii) | Sale of products (including Excise Duty) | 0.00 | 0.00 |
| (viii) | Sale of services | 0.00 | 0.00 |
| (ix) | Other revenue from operations | ||
| 1 | NA | 0.00 | 0.00 |
| 2 | NA | 0.00 | 0.00 |
| 3 | NA | 0.00 | 0.00 |
| 4 | NA | 0.00 | 0.00 |
| 5 | NA | 0.00 | 0.00 |
| 6 | NA | 0.00 | 0.00 |
| 7 | NA | 0.00 | 0.00 |
| 8 | NA | 0.00 | 0.00 |
| 9 | NA | 0.00 | 0.00 |
| 10 | NA | 0.00 | 0.00 |
| Total other revenue from operations | 0.00 | 0.00 | |
| Total Revenue From Operations | 1,81,842.00 | 4,67,469.00 | |
| Other income | 6.00 | 57.00 | |
| Total income | 1,81,848.00 | 4,67,526.00 | |
| 2 | Expenses | ||
| Cost of materials consumed | 0.00 | 0.00 | |
| Purchases of stock-in-trade | 0.00 | 0.00 | |
| Changes in inventories of finished goods, work-in-progress and stock-in-trade | 0.00 | 0.00 | |
| Employee benefit expense | 28,494.00 | 75,446.00 | |
| Finance costs | 73,871.00 | 1,92,261.00 | |
| Depreciation, depletion and amortisation expense | 2,410.00 | 6,861.00 | |
| Fees and commission expense | 0.00 | 0.00 | |
| Net loss on fair value changes | 0.00 | 0.00 | |
| Net loss on derecognition of financial instruments under amortised cost category | 3,205.00 | 6,205.00 | |
| Impairment on financial instruments | 29,547.00 | 79,422.00 | |
| (f) | Other expenses | ||
| 1 | Other expenses | 24,300.00 | 69,077.00 |
| 2 | NA | 0.00 | 0.00 |
| 3 | NA | 0.00 | 0.00 |
| 4 | NA | 0.00 | 0.00 |
| 5 | NA | 0.00 | 0.00 |
| 6 | NA | 0.00 | 0.00 |
| 7 | NA | 0.00 | 0.00 |
| 8 | NA | 0.00 | 0.00 |
| 9 | NA | 0.00 | 0.00 |
| 10 | NA | 0.00 | 0.00 |
| Total other expenses | 24,300.00 | 69,077.00 | |
| Total expenses | 1,61,827.00 | 4,29,272.00 | |
| 3 | Total profit before exceptional items and tax | 20,021.00 | 38,254.00 |
| 4 | Exceptional items | 0.00 | 0.00 |
| 5 | Total profit before tax | 20,021.00 | 38,254.00 |
| 7 | Tax expense | ||
| 8 | Current tax | 3,185.00 | 6,086.00 |
| 9 | Deferred tax | 1,814.00 | 3,466.00 |
| 10 | Total tax expenses | 4,999.00 | 9,552.00 |
| 11 | Net Profit Loss for the period from continuing operations | 15,022.00 | 28,702.00 |
| 12 | Profit (loss) from discontinued operations before tax | 0.00 | 0.00 |
| 13 | Tax expense of discontinued operations | 0.00 | 0.00 |
| 17 | Net profit (loss) from discontinued operation after tax | 0.00 | 0.00 |
| 14 | Share of profit (loss) of associates and joint ventures accounted for using equity method | 0.00 | 0.00 |
| 15 | Total profit (loss) for period | 15,022.00 | 28,702.00 |
| 16 | Other comprehensive income net of taxes | (25.00) | (753.00) |
| 17 | Total Comprehensive Income for the period | 14,997.00 | 27,949.00 |
| 18 | Total profit or loss, attributable to | ||
| Profit or loss, attributable to owners of parent | 15,022.00 | 28,702.00 | |
| Total profit or loss, attributable to non-controlling interests | 0.00 | 0.00 | |
| 19 | Total Comprehensive income for the period attributable to | ||
| Comprehensive income for the period attributable to owners of parent | 14,997.00 | 27,949.00 | |
| Total comprehensive income for the period attributable to owners of parent non-controlling interests | 0.00 | 0.00 | |
| 20 | Details of equity share capital | ||
| Paid-up equity share capital | 16,156.00 | 16,156.00 | |
| Face value of equity share capital | 2 | 2 | |
| 21 | Reserves excluding revaluation reserve | ||
| 22 | Earnings per share | ||
| i | Earnings per equity share for continuing operations | ||
| Basic earnings per share from continuing operations | 1.86 | 3.65 | |
| Diluted earnings per share from continuing operations | 1.85 | 3.64 | |
| ii | Earnings per equity share for discontinued operations | ||
| Basic earnings per share from discontinued operations | 0 | 0 | |
| Diluted earnings per share from discontinued operations | 0 | 0 | |
| ii | Earnings per equity share | ||
| Basic earnings per share | 1.86 | 3.65 | |
| Diluted earnings per share | 1.85 | 3.64 | |
| 23 | Debt equity ratio | ||
| 24 | Debt service coverage ratio | ||
| 25 | Interest service coverage ratio | ||
| 26 | Disclosure of notes on financial results | Textual Information(1) | |
| 23 | Debt equity ratio | |
|---|---|---|
| 24 | Debt service coverage ratio | |
| 25 | Interest service coverage ratio |
| Textual Information(1) | Poonawalla Fincorp Limited (“the Holding Company”) holds an investment in a joint venture, Jaguar Advisory Services Private Limited (“JASPL”), and is required to prepare consolidated financial statements in accordance with Ind AS 110 “Consolidated Financial Statements” read with Section 129 (3) of the Companies Act, 2013. The Board of Directors and the Shareholders of the Holding Company approved the sale of its shareholding in JASPL in their respective meetings held on November 02, 2021, and December 13, 2021. Subsequently, the Board reaffirmed its intention to divest the investment in its meeting held on April 25, 2025. In line with Ind AS 105 “Non-current Assets Held for Sale and Discontinued Operations,” the investment in JASPL has been classified as “assets held for sale”. Accordingly, the application of the equity method of accounting was discontinued from December 13, 2021. As a result, no share of profit or loss from JASPL has been included in the consolidated financial statements for the quarter and nine months ended December 31, 2025. Hence the amounts in Statement of Profit and Loss for the standalone financial results and consolidated financial results are same. |
|---|
| Particulars | 3 months/ 6 month 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 |
| 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) | |||
| 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 | |||
| Net Segment Asset | |||
| 4 | Segment Liabilities | ||
| Segment Liabilities | |||
| Total Segment Liabilities | |||
| Un-allocable Liabilities | |||
| Net Segment Liabilities | |||
| Disclosure of notes on segments | |||
| Particulars | 3 months/ 6 month 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 | Consolidated | Consolidated |
| Other comprehensive income [Abstract] | |||
| 1 | Amount of items that will not be reclassified to profit and loss | ||
| 1 | Remeasurements of the defined benefit plans | -12400000 | -30100000 |
| Total Amount of items that will not be reclassified to profit and loss | -12400000 | -30100000 | |
| 2 | Income tax relating to items that will not be reclassified to profit or loss | (31.00) | (76.00) |
| 3 | Amount of items that will be reclassified to profit and loss | ||
| 1 | Financial instruments through other comprehensive income | -1200000 | 1200000 |
| 2 | Effective portion of gain/(loss) on designated portion of hedging instruments in a cash flow hedge | 10200000 | -71800000 |
| Total Amount of items that will be reclassified to profit and loss | 9000000 | -70600000 | |
| 4 | Income tax relating to items that will be reclassified to profit or loss | 22.00 | (178.00) |
| 5 | Total Other comprehensive income | (25.00) | (753.00) |