What was PTC INDIA FINANCIAL's revenue in Q4 FY26?

PTC INDIA FINANCIAL reported revenue of ₹518 Cr in Q4 FY26, a -18.8% change year-over-year.

Did PTC INDIA FINANCIAL management deliver on previous promises?

Scorecard data is being built as historical quarters are processed.

PTC INDIA FINANCIAL Q4 FY26 Research Workspace: Revenue ₹518 Cr (-18.8%)

Q: What guidance did PTC INDIA FINANCIAL management give?

30-50% AUM growth in FY27: Management expects AUM to grow 30-50% year-on-year in FY27, driven by disbursements from the ₹2,000 crore undrawn sanction pipeline.

Revenue ₹518 Cr -18.8%

EBITDA —

PAT ₹46 Cr +47%

EBITDA Margin —

Duration 44 min

Read Time 1 min read

✓ Verified against BSE filing

2-Minute Summary

✦ AI-Generated from Full Transcript

PTC India Financial Services reported a mixed FY26 with PAT surging 47% YoY to ₹319 crore, driven by sharp improvement in asset quality and resolution of legacy NPAs. Gross stage 3 assets plummeted 73% to ₹190 crore from ₹711 crore, while sanctions grew over 300% to ₹3,448 crore. However, revenue dipped 18.8% to ₹518 crore due to AUM moderation to ₹3,292 crore from peak levels, as prepayments of ₹1,441 crore outpaced disbursements of ₹1,235 crore. Management guided for 30-50% AUM growth in FY27, contingent on converting the ₹2,000 crore undrawn sanction pipeline. Key risks include elevated cost of borrowing (~9.5%) despite improving credit profile, and the sudden resignation of MD & CEO Balaji, which may disrupt execution momentum. The company remains focused on calibrated growth in renewable energy and emerging infrastructure segments.

Risks4 trackedTranscriptfull text

Research workspace

Focused Modules

!Risks 4 risks

Risk Intelligence

CEO resignation and leadership vacuum

View Risks →

≡Transcript Full text

Call Transcript

Full transcript text is available on this route.

Read Transcript →

Quarter Snapshot

Loan Sanctions ₹3,448 Cr

+318% YoY

Sanctions surged from ₹825 Cr in FY25, reflecting strong origination momentum.

Gross Stage 3 Assets ₹190 Cr

-73% YoY

Reduced from ₹711 Cr, driven by resolution of legacy NPAs.

Net Stage 3 Assets ₹47 Cr

-83% YoY

Declined from ₹284 Cr, with provision coverage ratio improving to 75%.

Return on Assets (Annualized) 6%

+244 bps YoY

Improved from 3.56% in FY25, driven by higher profitability.

Fast read

Guidance and risk preview

Top guidance 30-50% AUM growth in FY27

Management expects AUM to grow 30-50% year-on-year in FY27, driven by disbursements from the ₹2,000 crore undrawn sanction pipeline.

Top risk CEO resignation and leadership vacuum

MD & CEO Balaji resigned for personal reasons, effective June 30, 2026.