Poonawalla Fincorp Q2FY27: PAT Rs 375.00 cr, up from Rs 74.00 cr YoY
Poonawalla Fincorp’s Q2FY27 PAT rose to Rs 375.00 cr from Rs 74.00 cr a year earlier, with operating profit at Rs 877.00 cr versus Rs 387.00 cr.
Key takeaways
- Total Interest Income was Rs 2,416.00 cr vs Rs 1,402.00 cr in Q2FY26
- Net Interest Income (NII) was Rs 1,380.00 cr vs Rs 764.00 cr a year earlier
- Operating Profit rose to Rs 877.00 cr from Rs 387.00 cr in Q2FY26
- PAT increased to Rs 375.00 cr from Rs 74.00 cr in the year-ago quarter
- Operating Expenses were Rs 712.00 cr vs Rs 518.00 cr in Q2FY26
Q2FY27 · standalone
| Metric | Sep 2026 | Sep 2025 | Change |
|---|---|---|---|
| Revenue | Rs 1,380.00 cr | Rs 764.00 cr | +80.6% |
| PAT | Rs 375.00 cr | Rs 74.00 cr | +406.8% |
As reported in the filing. Figures are transcribed, not computed.
What the numbers show
- Net margin was 27.17% of revenue, against 9.69% a year earlier.
• Total Interest Income (Q2FY27 vs Q2FY26): Rs 2,416.00 cr vs Rs 1,402.00 cr
• Interest Expenses (Q2FY27 vs Q2FY26): Rs 1,035.00 cr vs Rs 638.00 cr
• Net Interest Income (NII) (Q2FY27 vs Q2FY26): Rs 1,380.00 cr vs Rs 764.00 cr
• Cross Sell Income (Q2FY27 vs Q2FY26): Rs 118.00 cr vs Rs 68.00 cr
• Servicing Income (Q2FY27 vs Q2FY26): Rs 91.00 cr vs Rs 37.00 cr
• Other Income (Q2FY27 vs Q2FY26): Rs 0.00 cr vs Rs 0.00 cr
• Net gain on derecognition of financial instruments (Q2FY27 vs Q2FY26): Rs - crore vs Rs 35.00 cr
• NII (inc. fees and other income) (Q2FY27 vs Q2FY26): Rs 1,589.00 cr vs Rs 905.00 cr
• Operating Expenses (Q2FY27 vs Q2FY26): Rs 712.00 cr vs Rs 518.00 cr
• Operating Profit (Q2FY27 vs Q2FY26): Rs 877.00 cr vs Rs 387.00 cr
• Credit cost (Q2FY27 vs Q2FY26): Rs 376.00 cr vs Rs 288.00 cr
• Profit/(Loss) before Tax (Q2FY27 vs Q2FY26): Rs 501.00 cr vs Rs 99.00 cr
• Tax (Q2FY27 vs Q2FY26): Rs 126.00 cr vs Rs 25.00 cr
• Profit/(Loss) after Tax (Q2FY27 vs Q2FY26): Rs 375.00 cr vs Rs 74.00 cr
All figures above are taken from the “Profit & Loss Statement” in the investor presentation for the quarter ended September 30, 2026 (Q2FY27), which presents standalone results alongside the corresponding quarter a year earlier (Q2FY26).
Total Interest Income for Q2FY27 is reported at Rs 2,416.00 cr, higher than Rs 1,402.00 cr in Q2FY26, while Interest Expenses rose to Rs 1,035.00 cr from Rs 638.00 cr. This resulted in Net Interest Income (NII) of Rs 1,380.00 cr in Q2FY27 compared with Rs 764.00 cr in Q2FY26. Including Cross Sell Income of Rs 118.00 cr, Servicing Income of Rs 91.00 cr, Other Income of Rs 0.00 cr and Net gain on derecognition of financial instruments of Rs - crore, NII (inc. fees and other income) is shown as Rs 1,589.00 cr for Q2FY27 versus Rs 905.00 cr a year earlier.
Operating Expenses increased to Rs 712.00 cr in Q2FY27 from Rs 518.00 cr in Q2FY26. After these expenses, Operating Profit is reported at Rs 877.00 cr for Q2FY27, compared with Rs 387.00 cr in the same quarter last year. Credit cost for the quarter is Rs 376.00 cr, up from Rs 288.00 cr in Q2FY26.
After credit cost, Profit/(Loss) before Tax stands at Rs 501.00 cr in Q2FY27, versus Rs 99.00 cr in Q2FY26. The Tax line is Rs 126.00 cr for Q2FY27 compared with Rs 25.00 cr a year earlier. Profit/(Loss) after Tax for the quarter ended September 30, 2026 is reported at Rs 375.00 cr, up from Rs 74.00 cr in the corresponding quarter of the previous year, as per the statement of financial results in the presentation.
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