Poonawalla Fincorp Limited has released its investor presentation for the quarter and nine months ended December 31, 2025 (Q3FY26).

The company reported a significant increase in Profit After Tax (PAT), which rose by 102.5% quarter-on-quarter to ₹150 crore in Q3FY26, up from ₹74 crore in Q2FY26. Net Interest Income (NII) grew by 60.6% year-on-year to ₹1,080 crore. Assets Under Management (AUM) also saw strong growth, increasing by 77.6% year-on-year to ₹55,017 crore. The company has made significant investments in branches, technology, and management depth, which have powered the successful incubation of multiple new products that are now scaling up. New products contributed 11% to the AUM growth.

Operational expenses (Opex) as a percentage of AUM improved to 4.4%, a reduction of 40 basis points, despite ongoing investments in new businesses. Asset quality improved with a reduction of 8 basis points in Gross NPA to 1.51%. The Capital Adequacy Ratio (CAR) remained healthy at 18.17%.

Poonawalla Fincorp aims to continue growing its AUM at a CAGR of approximately 35-40% over the next couple of years and plans for a capital raise of up to ₹5,500 crore to support these growth aspirations. The company is expanding its reach with plans to launch 400 branches by March 2026 and is present at over 10,500 dealer points across approximately 190 locations.

The presentation also highlights the company's AI and Digital Strategy, focusing on transforming functions like HR, customer service, credit & risk, and operations through AI-driven solutions. The company emphasizes a 'Customer-First, Governance-First, Risk-First, AI-First' approach.