Poonawalla Fincorp Q2FY27: AUM up 55.1% YoY to ₹74,008 Cr, PAT rises 21.8% QoQ to ₹375 Cr
Q2FY27 AUM up 55.1% YoY to ₹74,008 Cr; PAT ₹375 Cr, up 405.2% YoY; GNPA down to 1.20%.
- AUM
- ₹74,008 Cr in Q2FY27, up 55.1% YoY and 10.4% QoQ
- PAT
- ₹375 Cr, up 405.2% YoY; up 21.8% QoQ from ₹308 Cr
- Asset Quality
- GNPA 1.20%, NNPA 0.61%, PCR 49.14%, collection efficiency 99.5%
- Period
- Q2FY27
- Positioning
- The company describes itself as an AAA-rated retail-focused NBFC now in its scale phase, with a ₹74,008 Cr AUM spanning personal, gold, consumer durable, CV and education loans.
📉 AUM reached ₹74,008 Cr in Q2FY27, up 55.1% YoY and 10.4% QoQ; NII (incl. fees and other income) was ₹1,589 Cr, up 75.6% YoY; PPoP ₹877 Cr, up 126.9% YoY; PAT ₹375 Cr, up 21.8% QoQ from ₹308 Cr. ROA rose to 2.18% and cost to income fell to 44.8% from 57.3% a year earlier.
📌 Asset quality improved: GNPA at 1.20% and NNPA at 0.61%, with PCR at 49.14%, and the company says there was no accelerated write-off in the quarter. Collection efficiency was 99.5% in Q2FY27.
📌 New products contributed 28% of disbursement, with 4,400+ crore disbursed in the quarter, and 18% of AUM. Gold loans are live in 550 branches; PL Prime averaged ~₹577 crore monthly disbursement.
🏭 Management states it is now in its scale phase (FY27 onwards) with an aspiration for 5-6x AUM over the next five years, planning to more than double the consumer durables franchise, expand the gold loan network, and build an AI-powered consumer ecosystem. Funding is backed by ₹58,865 crore of borrowings and ₹6,526 crore liquidity.
Also from Poonawalla Fincorp
Board approves September 2026 quarter results; Independent Director re-appointment for second term
9 Oct 2026
ALM statement for quarter and half year ended September 30, 2026 shared with the exchanges
9 Oct 2026
Sept 2026 quarter press release: AUM ₹74,008 crore, PAT up 21.8% QoQ
9 Oct 2026
More numbers
- AUM, Q2FY27₹74,008 Cr
- NII, Q2FY27₹1,589 Cr
- PPoP, Q2FY27₹877 Cr
- PAT, Q2FY27₹375 Cr
- AUM growth YoY55.1%
- ROA, Q2FY272.18%
- GNPA, Sep-261.20%
- NNPA, Sep-260.61%
- CAR, Q2FY2718.68%
- New product disbursement, Q2FY274,400+ Crore
- Total borrowings, Sep 30 2026₹58,865 crore
- Liquidity, Sep 30 2026₹6,526 crore
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