POONAWALLA

What Poonawalla Fincorp promised, and what happened

Every commitment management made on a call, tracked from the quarter it was made — reaffirmed, revised, diluted or quietly dropped.

Guidance record · Q1 FY27

what the last two calls moved 17 tracked 3 delivered 5 missed 9 open
  • Branch Expansion delivered said Q3 FY25 Promised: 400 new branches starting Q1 FY26 Q1 FY27: Target was achieved in Q4 FY26. A new promise for 400 gold loan branches in FY27 has been made.
  • Credit Cost missed said Q4 FY25 Promised: 1.5% to 2% for FY26 Q1 FY27: FY26 target was missed. Q1 FY27 credit cost was 2.4%. A new guidance for 'structural improvement' has been issued.
  • NCD Share of Borrowing delivered, diluted said Q4 FY25 Promised: 35% of total borrowing over the next couple of years Q1 FY27: Management indicated a comfortable range for NCDs is 25-30%, slightly lower than the original 35% target.

The rest of the ledger

Above is what the last two calls moved. Pro opens all 17 tracked commitments for Poonawalla Fincorp — every quarter's revision, the source quote behind each one, and the topics management has stopped answering.

See what Pro opens