| 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 | 05-05-2026 |
| Date on which prior intimation of the meeting for considering financial results was informed to the exchange | 27-03-2026 |
| Description of presentation currency | INR |
| Level of rounding used in financial results | Lakhs |
| Reporting Type | Quarterly |
| Reporting Quarter | Fourth quarter |
| Nature of report standalone or consolidated | Consolidated |
| Whether results are audited or unaudited for the quarter ended | Audited |
| Whether results are audited or unaudited for the Year to date for current period ended/year ended | Audited |
| Segment Reporting | Single segment |
| Description of single segment | Lending Business |
| Start date and time of board meeting | 05-05-2026 14:00:00 |
| End date and time of board meeting | 05-05-2026 16:00:00 |
| 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 | Declaration of unmodified opinion |
| 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 | 01-01-2026 | 01-04-2025 |
| B | Date of end of reporting period | 31-03-2026 | 31-03-2026 |
| C | Whether results are audited or unaudited | Audited | Audited |
| D | Nature of report standalone or consolidated | Consolidated | Consolidated |
| 1 | Income | ||
| Revenue from operations | |||
| (i) | Interest Income | 1,89,359.00 | 6,14,081.00 |
| (ii) | Dividend Income | 0.00 | 0.00 |
| (iii) | Rental Income | 103.00 | 851.00 |
| (iv) | Fees and commission Income | 13,875.00 | 41,975.00 |
| (v) | Net gain on fair value changes | 425.00 | 428.00 |
| (vi) | Net gain on derecognition of financial instruments under amortised cost category | 7,787.00 | 21,683.00 |
| (vii) | Sale of products (including Excise Duty) | 0.00 | 0.00 |
| (viii) | Sale of services | 0.00 | 0.00 |
| (ix) | Other revenue from operations | ||
| Total other revenue from operations | |||
| Total Revenue From Operations | 2,11,549.00 | 6,79,018.00 | |
| Other income | 490.00 | 547.00 | |
| Total income | 2,12,039.00 | 6,79,565.00 | |
| 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 | 26,308.00 | 1,01,754.00 | |
| Finance costs | 84,406.00 | 2,76,667.00 | |
| Depreciation, depletion and amortisation expense | 2,553.00 | 9,414.00 | |
| 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 | 4,374.00 | 10,579.00 | |
| Impairment on financial instruments | 30,991.00 | 1,10,413.00 | |
| (f) | Other expenses | ||
| 1 | Other expenses | 29,300.00 | 98,377.00 |
| Total other expenses | 29,300.00 | 98,377.00 | |
| Total expenses | 1,77,932.00 | 6,07,204.00 | |
| 3 | Total profit before exceptional items and tax | 34,107.00 | 72,361.00 |
| 4 | Exceptional items | 0.00 | 0.00 |
| 5 | Total profit before tax | 34,107.00 | 72,361.00 |
| 7 | Tax expense | ||
| 8 | Current tax | (353.00) | 5,733.00 |
| 9 | Deferred tax | 8,981.00 | 12,447.00 |
| 10 | Total tax expenses | 8,628.00 | 18,180.00 |
| 11 | Net Profit Loss for the period from continuing operations | 25,479.00 | 54,181.00 |
| 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 | 25,479.00 | 54,181.00 |
| 16 | Other comprehensive income net of taxes | 3,223.00 | 2,470.00 |
| 17 | Total Comprehensive Income for the period | 28,702.00 | 56,651.00 |
| 18 | Total profit or loss, attributable to | ||
| Profit or loss, attributable to owners of parent | 25,479.00 | 54,181.00 | |
| 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 | 28,702.00 | 56,651.00 | |
| 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 | 16,159.00 | 16,159.00 | |
| Face value of equity share capital | 2 | 2 | |
| 21 | Reserves excluding revaluation reserve | 10,18,665.00 | |
| 22 | Earnings per share | ||
| i | Earnings per equity share for continuing operations | ||
| Basic earnings per share from continuing operations | 3.15 | 6.84 | |
| Diluted earnings per share from continuing operations | 3.14 | 6.82 | |
| 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 | 3.15 | 6.84 | |
| Diluted earnings per share | 3.14 | 6.82 | |
| 23 | Debt equity ratio | 4.6500 | 4.6500 |
| 24 | Debt service coverage ratio | ||
| 25 | Interest service coverage ratio | ||
| 26 | Disclosure of notes on financial results | ||
| 23 | Debt equity ratio | |
|---|---|---|
| 24 | Debt service coverage ratio | |
| 25 | Interest service coverage ratio |
| Particulars | Year ended (dd-mm-yyyy) | |
|---|---|---|
| A | Date of start of reporting period | 01-04-2025 |
| B | Date of end of reporting period | 31-03-2026 |
| C | Whether results are audited or unaudited | Audited |
| D | Nature of report standalone or consolidated | Consolidated |
| Statement of cash flows | ||
| Cash flows from used in operating activities | ||
| Profit before tax | 72,361.00 | |
| Adjustments for reconcile profit (loss) | ||
| Adjustments for finance costs | 0.00 | |
| Adjustments for decrease (increase) in inventories | 0.00 | |
| Adjustments for decrease (increase) in trade receivables, current | (1,314.00) | |
| Adjustments for decrease (increase) in trade receivables, non-current | 0.00 | |
| Adjustments for decrease (increase) in other current assets | 0.00 | |
| Adjustments for decrease (increase) in other non-current assets | 0.00 | |
| Adjustments for other financial assets, non-current | (24,37,003.00) | |
| Adjustments for other financial assets, current | (1,162.00) | |
| Adjustments for other bank balances | (4.00) | |
| Adjustments for increase (decrease) in trade payables, current | 63.00 | |
| Adjustments for increase (decrease) in trade payables, non-current | 0.00 | |
| Adjustments for increase (decrease) in other current liabilities | 0.00 | |
| Adjustments for increase (decrease) in other non-current liabilities | 0.00 | |
| Adjustments for depreciation and amortisation expense | 9,414.00 | |
| Adjustments for impairment loss reversal of impairment loss recognised in profit or loss | 1,10,413.00 | |
| Adjustments for provisions, current | 0.00 | |
| Adjustments for provisions, non-current | 740.00 | |
| Adjustments for other financial liabilities, current | 389.00 | |
| Adjustments for other financial liabilities, non-current | 73,905.00 | |
| Adjustments for unrealised foreign exchange losses gains | 0.00 | |
| Adjustments for dividend income | 0.00 | |
| Adjustments for interest income | 0.00 | |
| Adjustments for share-based payments | 6,990.00 | |
| Adjustments for fair value losses (gains) | 0.00 | |
| Adjustments for undistributed profits of associates | 0.00 | |
| Other adjustments for which cash effects are investing or financing cash flow | (8,368.00) | |
| Other adjustments to reconcile profit (loss) | 0.00 | |
| Other adjustments for non-cash items | (55.00) | |
| Share of profit and loss from partnership firm or association of persons or limited liability partnerships | 0.00 | |
| Total adjustments for reconcile profit (loss) | (22,45,992.00) | |
| Net cash flows from (used in) operations | (21,73,631.00) | |
| Dividends received | 0.00 | |
| Interest paid | 0.00 | |
| Interest received | 0.00 | |
| Income taxes paid (refund) | 4,928.00 | |
| Other inflows (outflows) of cash | 0.00 | |
| Net cash flows from (used in) operating activities | (21,78,559.00) | |
| 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 | 0.00 | |
| 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 | 566.00 | |
| Purchase of property, plant and equipment | 9,439.00 | |
| 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 | 1,263.00 | |
| 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 | 1,22,236.00 | |
| Cash advances and loans made to other parties | 0.00 | |
| Cash receipts from repayment of advances and loans made to other parties | 0.00 | |
| 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 | 0.00 | |
| Income taxes paid (refund) | 0.00 | |
| Other inflows (outflows) of cash | (1,660.00) | |
| Net cash flows from (used in) investing activities | (1,34,032.00) | |
| 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 | 1,54,031.00 | |
| 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 | 29,83,804.00 | |
| Repayments of borrowings | 7,91,355.00 | |
| Payments of lease liabilities | 7,754.00 | |
| 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 | 23,38,726.00 | |
| Net increase (decrease) in cash and cash equivalents before effect of exchange rate changes | 26,135.00 | |
| Effect of exchange rate changes on cash and cash equivalents | ||
| Effect of exchange rate changes on cash and cash equivalents | 0.00 | |
| Net increase (decrease) in cash and cash equivalents | 26,135.00 | |
| Cash and cash equivalents cash flow statement at beginning of period | 2,465.00 | |
| Cash and cash equivalents cash flow statement at end of period | 28,600.00 | |
| Particulars | Year ended (dd-mm-yyyy) | ||
|---|---|---|---|
| Date of start of reporting period | 01-04-2025 | ||
| Date of end of reporting period | 31-03-2026 | ||
| Whether results are audited or unaudited | Audited | ||
| Nature of report standalone or consolidated | Consolidated | ||
| Assets | |||
| 1 | Finanical Asset | ||
| Cash and cash equivalents | 28,600.00 | ||
| Bank Balance other than (a) above | 768.00 | ||
| Derivative financial instruments | 34,026.00 | ||
| Receivables | |||
| (I) Trade Receivables | 3,848.00 | ||
| (II) Other Receivables | 0.00 | ||
| Loans | 55,95,149.00 | ||
| Investments | 2,49,046.00 | ||
| Other Financial assets | |||
| 1 | Other financial assets | 33,644.00 | |
| Total of Other Financial assets | 33,644.00 | ||
| Total Financial Assets | 59,45,081.00 | ||
| 2 | Non Financial Asset | ||
| Inventories | 0.00 | ||
| Current tax assets (Net) | 13,338.00 | ||
| Deferred tax Assets (Net) | 7,270.00 | ||
| Investment Property | 7.00 | ||
| Biological assets other than bearer plants | 0.00 | ||
| Property, Plant and Equipment | 9,743.00 | ||
| Capital work-in-progress | 0.00 | ||
| Intangible assets under development | 701.00 | ||
| Goodwill | 0.00 | ||
| Other Intangible assets | 2,607.00 | ||
| Other non-financial assets | |||
| 1 | Right of use assets | 29,672.00 | |
| 2 | Other non financial assets | 13,667.00 | |
| 3 | Asset held for sale | 5,070.00 | |
| Total of Other non-financial assets | 48,409.00 | ||
| Total Non Financial Assets | 82,075.00 | ||
| Total assets | 60,27,156.00 | ||
| Equity and liabilities | |||
| 1 | Equity | ||
| Equity attributable to owners of parent | |||
| Equity share capital | 16,159.00 | ||
| Other equity | 10,18,665.00 | ||
| Total equity attributable to owners of parent | 10,34,824.00 | ||
| Non controlling interest | |||
| Total equity | 10,34,824.00 | ||
| 2 | Liabilities | ||
| 2.1 | Financial Liabilities | ||
| (a) | Derivative financial instruments | 0.00 | |
| (b) | Payables | ||
| (I)Trade Payables | |||
| (i) total outstanding dues of micro enterprises and small enterprises | 58.00 | ||
| (ii) total outstanding dues of creditors other than micro enterprises and small enterprises | 430.00 | ||
| II) Other Payables | |||
| (i) total outstanding dues of micro enterprises and small enterprises | 0.00 | ||
| (ii) total outstanding dues of creditors other than micro enterprises and small enterprises | 0.00 | ||
| (C ) | Debt Securities | 14,79,018.00 | |
| (d) | Borrowings (Other than Debt Securities) | 32,93,313.00 | |
| (e) | Deposits | 0.00 | |
| (f) | Subordinated Liabilities | 37,499.00 | |
| Other financial liabilities | |||
| 1 | Lease liabilities | 33,750.00 | |
| 2 | Other financial liabilities | 1,41,607.00 | |
| Total of Other financial liabilities | 1,75,357.00 | ||
| Total Financial Liabilities | 49,85,675.00 | ||
| 2.2 | Non-Financial Liabilities | ||
| (a) | Current tax liabilities (Net) | 16.00 | |
| (b) | Provisions | 2,007.00 | |
| (C ) | Deferred tax liabilities (Net) | 0.00 | |
| Other non-financial liabilities | |||
| 1 | Other non financial liabilities | 4,634.00 | |
| Total of Other non-financial liabilities | 4,634.00 | ||
| Total Non Financial Liabilities | 6,657.00 | ||
| Total liabilities | 49,92,332.00 | ||
| Total equity and liabilites | 60,27,156.00 | ||
| Disclosure of notes on assets and liabilities | |||
| 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 | 01-01-2026 | 01-04-2025 |
| B | Date of end of reporting period | 31-03-2026 | 31-03-2026 |
| Whether results are audited or unaudited | Audited | Audited | |
| 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 | 01-01-2026 | 01-04-2025 |
| B | Date of end of reporting period | 31-03-2026 | 31-03-2026 |
| C | Whether results are audited or unaudited | Audited | Audited |
| 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 the defined benefit plans | 9700000 | -20400000 |
| Total Amount of items that will not be reclassified to profit and loss | 9700000 | -20400000 | |
| 2 | Income tax relating to items that will not be reclassified to profit or loss | 25.00 | (51.00) |
| 3 | Amount of items that will be reclassified to profit and loss | ||
| 1 | Financial instruments through other comprehensive income | -1900000 | -700000 |
| 2 | Effective portion of gain/(loss) on designated portion of hedging instruments in a cash flow hedge | 423000000 | 351200000 |
| Total Amount of items that will be reclassified to profit and loss | 421100000 | 350500000 | |
| 4 | Income tax relating to items that will be reclassified to profit or loss | 1,060.00 | 882.00 |
| 5 | Total Other comprehensive income | 3,223.00 | 2,470.00 |
| Whether results are audited or unaudited | Audited |
|---|---|
| Declaration of unmodified opinion or statement on impact of audit qualification | Declaration of unmodified opinion |
| Auditor's opinion | |
| Declaration pursuant to Regulation 33 (3) (d) of SEBI (LODR) Regulation, 2015: The company declares that its Statutory Auditor/s have issued an Audit Report with unmodified opinion for the period on Standalone results | Yes |
| Sr No. | Audit firm's name | Whether the firm holds a valid peer review certificate issued by Peer Review Board of ICAI | Certificate valid upto | ||
| 1 | M S K A & Associates LLP | Yes | 31-07-2027 | ||
|---|---|---|---|---|---|
| 2 | Kirtane & Pandit LLP | Yes | 01-01-2028 | ||