Poonawalla Fincorp Q2 FY27 Results: PAT Rises To ₹375 Crore As Net Interest Income Grows 12.3% Q-o-Q
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Poonawalla Fincorp reported profit after tax of ₹375 crore and assets under management of ₹74,008 crore for the second quarter of the financial year. It also reported lower credit costs and improvements in net interest margin and asset quality.
Poonawalla Fincorp Limited reported a profit after tax (PAT) of ₹375 crore for Q2 FY27. It was ₹308 crore in Q1 of the current financial year. Assets under management (AUM) stood at ₹74,008 crore as of 30 September 2026.
The company reported improvements in areas such as net interest margin and asset quality. It also showed lower credit costs during the quarter, which improved its profitability.
The Poonawalla Fincorp share price closed at ₹447.30 on the National Stock Exchange (NSE) on 9 October 2026, up 2.15% from the previous close.
Poonawalla Fincorp Q2 FY27 Financial Highlights
Net interest income, including fees and other income, stood at ₹1,589 crore, up 12.3% quarter-on-quarter. Pre-provision operating profit (PPoP) increased 11.8% quarter-on-quarter to ₹877 crore.
Net interest margin (NIM), including fees and other income, improved to 9.26% from 9.10% in Q1 FY27. Return on assets (RoA) rose to 2.18%, compared with 1.98% in Q1 FY27 and 1.81% in Q4 FY26.
How Were Asset Quality And Liquidity?
Gross non-performing assets (GNPA) declined to 1.20% from 1.37%. Net non-performing assets (NNPA) also fell, from 0.70% to 0.61%. Credit cost, measured as a percentage of average AUM, came down to 2.19% from 2.40%.
Stage 1 assets accounted for 97.9% of on-book assets, compared with 97.6% in Q1 FY27. The secured-to-unsecured on-book mix stood at 52:48.
The capital adequacy ratio was 18.68%, including Tier 1 capital of 17.15%. The liquidity buffer stood at ₹6,526 crore, while the cost of borrowing was 7.76%, 4 basis points higher than in Q1 FY27.
What Did Management Say?
Arvind Kapil, Managing Director and Chief Executive Officer of Poonawalla Fincorp, said the company had improved earnings through AUM expansion, NIM and fee-income optimisation, and lower credit costs. He also highlighted the role of its developing AI capabilities in supporting the business.
The financial results are unaudited, as stated in the company’s filing with the exchanges.
Also Read - Canara HSBC Life Insurance H1 FY27 Results: Profit Rises To ₹71.2 Crore As Value Of New Business Grows 24%
This article is for informational purposes only and should not be considered investment advice from Kotak Neo. For compliance T&C and disclaimers, Visit www.kotakneo.com/disclaimer
Vishwa has spent 10+ years across fintech and FMCG doing what most people miss, connecting the dots, catching trends before they trend, and finding the angle nobody else thought to ask about.
At Kotak Neo, she drives content strategy for neoshorts, Kotak News Desk, and Investing Guide, turning market noise into something worth reading.
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