POONAWALLA
Poonawalla Fincorp share price & financials
- Price
- ₹477.3
- Market cap
- ₹40.9k Cr
- Sector
- Financial Services
- Calls analysed
- 7
Poonawalla Fincorp Limited Q1 FY27
What went well
- AUM grew 11% QoQ to ₹67,054 crores, driven by continued momentum in retail products.
- ROA improved by 17 bps QoQ to 1.98%, reflecting a 130 bps improvement over Q1FY26.
- PAT grew 20.8% QoQ and 391.5% YoY to ₹308 crores.
What to watch
- Cost of borrowing increased slightly to 7.72% in Q1FY27 from 7.63% in Q4FY26.
- Management acknowledged potential for 10-25 bps 'upside' (increase) in opex-to-AUM quarter-on-quarter due to investment strategies and gold branch openings.
What Poonawalla Fincorp Limited does
Poonawalla Fincorp Limited, part of the Cyrus Poonawalla Group, is a non-banking financial company (NBFC) that lends to salaried, self-employed and MSME customers across India. It runs a diversified retail lending book spanning unsecured personal loans, loans against property, business and pre-owned car loans, mid-market corporate lending, and newer verticals such as gold loans, education loans, consumer durable loans, commercial vehicle loans and shopkeeper loans. Customers are sourced through a 'phygital' model that combines its own branches and feet-on-street sales force with DSAs, tele-calling, and digital partnerships/aggregators. The company carries the highest AAA/Stable credit rating from CRISIL and CARE.
Segments
- New Products
- Existing Products
- Branch network
- 500+ branches
- Geographic coverage
- 20 states and union territories
- Feet-on-street sales force
- 2,210+
- Channel partners
- 2,700+
- Call centers
- 6
- Mobile app downloads
- 10 million+
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.
All 17 tracked — every revision, and every one management stopped mentioning.
Open the guidance ledgerQuarterly results
Q1 FY27: revenue up 77.3%, net profit up 388.9% against the same quarter last year.
| Line item | Q2 FY25 | Q3 FY25 | Q4 FY25 | Q1 FY26 | Q2 FY26 | Q3 FY26 | Q4 FY26 | Q1 FY27 |
|---|---|---|---|---|---|---|---|---|
| Revenue | 989 | 1,057 | 1,166 | 1,314 | 1,542 +56% | 1,818 +72% | 2,115 +81% | 2,330 +77% |
| Net profit | -471 | 19 | 62 | 63 | 74 +116% | 150 +689% | 255 +311% | 308 +389% |
How to read this
₹ crore, as filed. The percentage beside a figure is the change against the same quarter a year earlier — never the quarter before, which would make every seasonal business look like it collapses and booms each year.
Performance −1.2% 1Y
1Y: ₹450.45 on 10 Sept 2025 → ₹445.25. High ₹539.4 (16 Oct 2025), low ₹368.4 (30 Mar 2026).
How the price took the results
close before → close after
- Q1 FY27
- +1.1%
- 17 Jul
- Q4 FY26
- +0.4%
- 5 May
- Q3 FY26
- −1.5%
- 16 Jan
- Q2 FY26
- −2.4%
- 17 Oct
The move from the last close before each results date to the first close after it — the market's first read on the quarter, not the quarter itself.
Financials, as filed
Revenue grew 51.9% a year over 3 years, FY23 to FY26.
| Year ending | FY23 | FY24 | FY25 | FY26 |
|---|---|---|---|---|
| Revenue | ₹1.9k Cr | ₹3.1k Cr | ₹4.2k Cr | ₹6.8k Cr |
| Interest | ₹595 Cr | ₹951 Cr | ₹1.5k Cr | ₹2.8k Cr |
| Depreciation | ₹61 Cr | ₹59 Cr | ₹66 Cr | ₹94 Cr |
| Net profit | ₹685 Cr | ₹1.7k Cr | ₹-98 Cr | ₹542 Cr |
| Net margin | 35.3% | 54.1% | -2.3% | 8.0% |
| ROE | 7.0% | 14.0% | -1.0% | 6.0% |
How to read this
From the company's own filings. Margins are computed from the filed sums; a year with an incomplete quarter is left blank rather than estimated.
Balance sheet
| Year ending | FY21 | FY22 | FY23 | FY24 | FY25 | FY26 |
|---|---|---|---|---|---|---|
| Equity capital | ₹54 Cr | ₹153 Cr | ₹154 Cr | ₹154 Cr | ₹161 Cr | ₹162 Cr |
| Reserves | ₹2.1k Cr | ₹5.9k Cr | ₹6.7k Cr | ₹8.0k Cr | ₹9.7k Cr | ₹10.2k Cr |
| Borrowings | ₹10.5k Cr | ₹10.0k Cr | ₹11.2k Cr | ₹15.2k Cr | — | ₹48.4k Cr |
| Other liabilities | ₹543 Cr | ₹413 Cr | ₹5.2k Cr | ₹704 Cr | ₹1.1k Cr | ₹1.5k Cr |
| Total liabilities | ₹13.2k Cr | ₹16.4k Cr | ₹23.2k Cr | ₹24.1k Cr | ₹47.0k Cr | ₹60.3k Cr |
| Fixed assets | ₹196 Cr | ₹214 Cr | ₹222 Cr | ₹194 Cr | ₹323 Cr | ₹420 Cr |
| Capital work in progress | ₹0 Cr | ₹0 Cr | ₹5 Cr | ₹0 Cr | ₹0 Cr | ₹7 Cr |
| Investments | ₹177 Cr | ₹0 Cr | ₹311 Cr | ₹878 Cr | ₹1.7k Cr | ₹2.5k Cr |
| Other assets | ₹12.8k Cr | ₹16.2k Cr | ₹22.7k Cr | ₹23.0k Cr | ₹45.0k Cr | ₹57.4k Cr |
| Total assets | ₹13.2k Cr | ₹16.4k Cr | ₹23.2k Cr | ₹24.1k Cr | ₹47.0k Cr | ₹60.3k Cr |
How to read this
As filed each year. A line the company does not report — deposits for a non-lender, for instance — is left out rather than shown as a row of dashes.
Who owns it
As disclosed at Jun 2026
Since Jun 2025, DIIs added +4.48 pp while promoters trimmed −3.44 pp. The shareholder count shrank 9% to 1,90,484.
- Promoters
- 59.0%
- FIIs
- 11.0%
- DIIs
- 16.7%
- Public
- 12.8%
- Others
- 0.5%
Since Jun 2025
- DIIs +4.48 pp
- Promoters −3.44 pp
- Public −1.11 pp
How it drifted, 12 quarters
Over this window the public fell from 23.1% to 12.8% — −10.3 pp.
Ownership split by quarter, oldest first. Sep '23: Promoters 62.1%, FIIs 7.9%, DIIs 6.9%, Public 23.1%.Dec '23: Promoters 62.1%, FIIs 7.8%, DIIs 5.6%, Public 24.6%.Mar '24: Promoters 62.1%, FIIs 7.8%, DIIs 5.8%, Public 23.8%, Others 0.5%.Jun '24: Promoters 62.1%, FIIs 7.8%, DIIs 6.8%, Public 22.6%, Others 0.7%.Sep '24: Promoters 61.9%, FIIs 7.7%, DIIs 9.6%, Public 20.1%, Others 0.7%.Dec '24: Promoters 62.4%, FIIs 8.2%, DIIs 11.8%, Public 17.0%, Others 0.7%.Mar '25: Promoters 62.5%, FIIs 10.0%, DIIs 11.1%, Public 15.7%, Others 0.7%.Jun '25: Promoters 62.5%, FIIs 10.8%, DIIs 12.3%, Public 13.9%, Others 0.7%.Sep '25: Promoters 64.0%, FIIs 10.6%, DIIs 12.3%, Public 12.6%, Others 0.6%.Dec '25: Promoters 64.0%, FIIs 10.6%, DIIs 12.2%, Public 12.6%, Others 0.6%.Mar '26: Promoters 63.9%, FIIs 10.2%, DIIs 12.1%, Public 13.2%, Others 0.6%.Jun '26: Promoters 59.0%, FIIs 11.0%, DIIs 16.7%, Public 12.8%, Others 0.5%.
Who bought this quarter
since Mar 2026
Disclosed holders that added to a position or appeared on the register for the first time, biggest addition first.
- Bandhan Large & Mid Cap Fund Mutual fund newly disclosed 1.96% held
- Kotak Midcap Fund Mutual fund +1.84 pp 6.75% held
- Nippon Life India Trustee Ltd-A/C Nippon India Small Cap Fund Mutual fund newly disclosed 1.14% held
The same filing shows 3 holders trimming and 3 off the list — both are in the register beside this.
Who is on the register
Named in the Jun 2026 filing
Every holder of Poonawalla Fincorp Limited above SEBI's 1% disclosure line, and what changed since Mar 2026.
| Holder | Stake | Change |
|---|---|---|
| Rising Sun Holdings Pvt Ltd | 59.02% | −4.91 pp |
| Kotak Midcap Fund Mutual fund | 6.75% | +1.84 pp |
| Life Insurance Corporation Of India Insurer | 2.70% | −0.22 pp |
| Bandhan Large & Mid Cap Fund Mutual fund | 1.96% | newly disclosed |
| Amansa Holdings Private Limited FPI fund | 1.29% | −0.22 pp |
| Nippon Life India Trustee Ltd-A/C Nippon India Small Cap Fund Mutual fund | 1.14% | newly disclosed |
| Poonawalla Clean Energy Private Limited | 0.00% | unchanged |
| Phinity Developers Private Limited (Formerly known as Poonawalla Developers) | 0.00% | unchanged |
| Poonawalla Estates Stud and Agri Farm Private Limited | 0.00% | unchanged |
| Poonawalla Shares and Securities Private Limited | 0.00% | unchanged |
| Poonawalla Solar Private Limited | 0.00% | unchanged |
| Poornatah Trusteeship Private Limited | 0.00% | unchanged |
A holder disappearing from this list has fallen below the 1% line — it is not necessarily a sale. Percentages are of total shares, as disclosed in the company's own filing. Who was buying across the market this quarter.
Mutual funds in POONAWALLA
Filings to Aug 2026
0 new, 4 added, 1 trimmed, 0 sold out — net +0.10 L shares (+0.1%).
- Held by funds
- ₹486 Cr
- 8 schemes
- Biggest holder
- Nippon India Small Cap Fund
- ₹375 Cr · 0.5% of that fund
| Scheme | Holding | Last month | Held since |
|---|---|---|---|
| Nippon India Small Cap Fund Nippon India Mutual Fund | ₹375 Cr | held | Apr '26 |
| Nippon India Banking & Financial Services Fund Nippon India Mutual Fund | ₹62 Cr | held | Apr '26 |
| Nippon India Nifty Smallcap 250 Index Fund Nippon India Mutual Fund | ₹26 Cr | +0.07 L | Mar '25 |
| SBI Nifty Smallcap 250 Index Fund SBI Mutual Fund | ₹13 Cr | +0.03 L | Mar '25 |
| Nippon India Active Momentum Fund Nippon India Mutual Fund | ₹7 Cr | held | Jul '26 |
| Nippon India Nifty 500 Equal Weight Index Fund Nippon India Mutual Fund | ₹1 Cr | +0.00 L | Sep '24 |
| SBI Nifty 500 Index Fund SBI Mutual Fund | ₹1 Cr | −0.00 L | Sep '24 |
| SBI Nifty Small Cap 250 ETF SBI Mutual Fund | ₹0 Cr | +0.00 L | May '26 |
HDFC, Nippon India and SBI schemes, from their monthly disclosures. Changes are counted in shares, so a price move never looks like buying or selling.
Mutual funds Aug 2026
4 added, 1 trimmed — net +10,158 shares (+0.1%)
- Funds are sitting on
- +15%
- vs est. average cost
- Held by funds
- ₹486 Cr
- 8 schemes · ≈ 1.2% of the company
- Biggest holder
- Nippon India Small Cap Fund
- ₹375 Cr · 0.5% of that fund
- Longest holder
- Nippon India Nifty 500 Equal Weight Index Fund
- 2y · since Sep '24
Shares held by these funds −13%
Aug '23 1.05 cr shares Jul '26
All earnings calls (6)
Read the Q1 FY27 call →Learn to analyse Poonawalla Fincorp Limited
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