Poonawalla Fincorp Limited announced its unaudited financial results for the quarter and nine months ended December 31, 2025. The company registered a robust AUM growth of 77.6% year-on-year to ₹55,017 crore, and a 15.3% sequential increase.

Net Interest Income (NII), including fees and other income, grew by 60.6% year-on-year to ₹1,080 crore. The Net Interest Margin (NIM) stood at 8.62% for Q3FY26, an improvement from 8.40% in Q2FY26. Profit Before Provisioning and Operating Profit (PPoP) increased by 41.5% year-on-year to ₹528 crore.

Profit After Tax (PAT) for the quarter surged by 102.5% quarter-on-quarter to ₹150 crore, compared to ₹74 crore in Q2FY26. The company maintained stable asset quality, with Gross Non-Performing Assets (GNPA) at 1.51% and Net Non-Performing Assets (NNPA) at 0.80% for Q3FY26. The Capital Adequacy Ratio (CAR) was reported at 18.17% (Tier-1 at 17.15%), comfortably above the regulatory requirement of 15%.

Commenting on the results, Mr. Arvind Kapil, Managing Director and CEO, stated, “Our results mark a strong step-up in performance, reflecting disciplined execution and the strengthening of our core franchise. Profit after tax doubled quarter-on-quarter, driven by a 36.5% sequential increase in pre-provision operating profit. Return on assets improved to 1.2%, while moderation in credit costs underscores improving asset quality and risk outcomes. It is particularly encouraging to see our strategic investments delivering tangible gains across key financial metrics, reinforcing our confidence in the sustainability of this momentum.”

The company also highlighted its ongoing investment in technology, adding 12 new AI projects in the quarter, bringing the total to 57.