Poonawalla Fincorp share price
NSE: POONAWALLABSE: 524000FinanceMid Cap
Share price at the NSE close on 28 Oct 2026. Previous close ₹402.80.
28 Oct: open ₹402.80, high ₹406.90, low ₹398.85
- Market capMarket capitalisation. Share price times the number of shares: what the whole company is worth at the day's price. The rank is by average market value over the six months to Jun 2026, among listed companies. Market capitalisation: how it is worked out
- ₹35,510 Cr241st largest listed
- P/EPrice to earnings, trailing. Market cap divided by the profit of the last twelve months (the latest four quarters, or two half years for a company that reports half-yearly) that belongs to the company's own shareholders, after the share of the other owners of its subsidiaries: what investors pay for each rupee of a year's profit. Price to earnings, trailing: how it is worked out
- 32.65
- P/BPrice to book. Market cap divided by the net worth that belongs to the company's own shareholders, its assets less everything it owes and less the other owners' share of its subsidiaries, on its latest balance sheet. Price to book: how it is worked out
- 2.58
- Dividend yieldDividend yield. Dividends paid per share in the twelve months to the day, as a percentage of the day's share price.
- Nonein the last 12 months
- ROEReturn on equity. Profit over the last twelve months (the latest four quarters, or two half years for a company that reports half-yearly) that belongs to the company's own shareholders, as a percentage of their net worth, the money they have in the business. Net worth is the average of the latest balance sheet and the one a year before it.
- 9.2%
- NIMNet interest margin. Net interest income ÷ the average assets that earn interest × 100 × 12 ÷ the months in the period, a rate per year; given only where the balance sheets at the start and at the end of the period are both held; not given for an insurer. For the year to Mar 2026. Net interest margin in the glossary
- 7.30%
- Cost of fundsCost of funds. Interest paid ÷ the average of what the company pays interest on × 100 × 12 ÷ the months in the period, a rate per year; given only where the balance sheets at the start and at the end of the period are both held; not given for an insurer. For the year to Mar 2026. Cost of funds in the glossary
- 7.48%
- Credit costCredit cost. What was set aside for loans that may not be repaid ÷ average loans given × 100 × 12 ÷ the months in the period, a rate per year; given only where the balance sheets at the start and at the end of the period are both held; not given for an insurer. For the year to Mar 2026. Credit cost in the glossary
- 2.49%
- ROAReturn on assets. Profit after tax ÷ average total assets × 100 × 12 ÷ the months in the period, a rate per year; given only where the balance sheets at the start and at the end of the period are both held; not given for an insurer. It equals net interest income + other income − operating expenses − provisions + exceptional items − tax + the lines below tax, each on the same base. For the year to Mar 2026. Return on assets in the glossary
- 1.14%
- LeverageAssets per rupee of net worth. Average total assets ÷ average net worth: rupees of assets for each rupee of net worth; given only where the balance sheets at the start and at the end of the period are both held; not given for an insurer. For the year to Mar 2026. Assets per rupee of net worth in the glossary
- 5.15times net worth
- Volume, NSEVolume. Shares traded on the last trading day; delivery is the part buyers kept rather than sold again the same day. Volume in the glossary
- 4,77,16148.4% delivered
About Poonawalla Fincorp
Poonawalla Fincorp Limited is a non-banking financial company (a lender that is not a bank) in the Cyrus Poonawalla Group, focused on consumer and MSME (micro, small and medium enterprise) finance.1 It lends to salaried and self-employed people, professionals, students, small businesses and mid-sized companies through physical and digital channels.23
It offers 13 loan products, grouped into a consumer lending vertical and a commercial lending vertical, each led by a chief business officer.4 Consumer lending covers instant consumer, prime personal, gold, education, consumer durable, pre-owned car and professional loans; commercial lending covers loans against property, business, mid-market, machinery and medical equipment, commercial vehicle and shopkeeper loans.5 It reports one business segment, financing, and does not take deposits from the public.67 It borrows through bank loans, non-convertible debentures, commercial paper and external commercial borrowings (loans raised from lenders abroad).8 It had 5,860 employees at the end of March 2026.9
The company was incorporated on 18 Dec 1978 and began lending in 1989; Rising Sun Holdings Private Limited, a member of the Cyrus Poonawalla Group, acquired it in May 2021.1011 It introduced education and commercial vehicle loans in March 2025, and gold, consumer durable and shopkeeper loans in April 2025.1213
Rising Sun Holdings, the promoter, is owned and controlled by Adar Poonawalla and held 59.01% of the shares at the end of September 2026.141516 Adar Poonawalla is the chairman of the board.17
Poonawalla Fincorp key points
Results
- In the quarter to Sep 2026, net interest income including fees and other income (total income less interest paid on borrowings) was ₹1,589 crore, up 75.6% from a year earlier, and return on assets (profit as a share of assets) was 2.18%.181920
- In the quarter to Sep 2026, profit after tax was ₹375 crore, up 21.8% from ₹308 crore in the previous quarter; pre-provision operating profit (income before provisions for bad loans) was ₹877 crore, up 11.8% on that quarter.2122
- On a standalone basis, total income for the year to Mar 2026 was ₹6,795.65 crore against ₹4,222.84 crore a year earlier, and profit after tax was ₹541.81 crore against a loss of ₹98.34 crore.23
- On a standalone basis, in the year to Mar 2026, net interest income including fees and other income grew 49% to ₹4,029 crore, and pre-provision operating profit grew 36% to ₹1,934 crore from ₹1,417 crore.24
Loan book and deposits
- Assets under management (the loans it manages) were ₹74,008 crore at the end of September 2026, up 55.1% from a year earlier and 10.4% from the previous quarter end; secured loans (backed by collateral) made up 52% of the loans on its books.25
- Assets under management by product, ₹ crore (share)2627The list excludes the discontinued book and other loans.
Item end of September 2026 Loan against property 20,013 (27%) Instant consumer loan 15,168 (20%) Mid-market 11,142 (15%) Business loan 7,303 (10%) Prime personal loan 6,662 (9%) Pre-owned car loan 5,096 (7%) Gold loan 2,355 (3%) Education loan 1,915 (3%) Commercial vehicle loan 1,459 (2%) Machinery and medical equipment loan 883 (1%) Consumer durable loan 859 (1%) Professional loan 790 (1%) Shopkeeper loan 1 (0%) - Gross non-performing assets (loans on which borrowers have stopped paying) were 1.20% of loans at the end of September 2026, and 0.61% net of provisions.28
- Borrowings were ₹58,865 crore at the end of September 2026, and the capital adequacy ratio (capital as a share of risk-weighted loans) was 18.68%, of which Tier 1 capital (equity and reserves, the part that absorbs losses first) was 17.15%.2930
Branches and reach
- At the end of March 2026 the company had 504 branches across 20 states and union territories, over 2,700 channel partners, over 500 counsellor partners and 6 call centres.31
- In the quarter to Sep 2026, the company's gold loan network grew to 550 branches from 460 a quarter earlier, across states including Gujarat, Maharashtra, Karnataka and Telangana.3233
- Poonawalla Fincorp served over 22 lakh customers at the end of March 2026, and its mobile app had over 10 million downloads.34
New loan products
- New products (prime personal, gold, consumer durable, commercial vehicle, education and shopkeeper loans) made up 18% of assets under management at the end of September 2026 and 28% of disbursements in the quarter.3536
- Gold loan disbursements were ₹1,066 crore in the quarter to Sep 2026, against ₹875 crore in the quarter before.37
- Consumer durable loans were offered through 20,000 dealers across 360 locations, with ₹606 crore disbursed in the quarter to Sep 2026 against ₹433 crore in the quarter before.38
- Prime personal loan disbursements averaged about ₹577 crore a month in the quarter to Sep 2026, up 8% on the quarter before; the fully digital prime personal loan made up 42% of them, against 38%.39
What the company expects
- The company stated in its annual report for the year to Mar 2026 that it targets 35-40% growth in assets under management over the near term, toward an aim of growing them 5-6 times in 5 years from the year to Mar 2025.4041
- On its earnings call of 9 Oct 2026, the company said it was on track to add about 200 new gold loan branches in the year to Mar 2027, and that its gold loan branches probably break even in about 13 months.4243
Recent events
- On 28 Sep 2026, CARE Ratings reaffirmed CARE AAA; Stable (the highest grade) on the company's long-term debt and raised its rated bank facilities to ₹40,020.00 crore; on 9 Sep 2026, CRISIL assigned AAA/Stable to new debt and raised rated bank loans to ₹19,785 crore.4445
- On 13 Apr 2026, the company raised ₹2,500 crore by allotting 6,74,30,883 shares at ₹370.75 each to qualified institutional buyers (large investors such as mutual funds and insurers).4647
- On 5 May 2026, the board reaffirmed its proposal to sell the company's 48.89% stake in Jaguar Advisory Services Private Limited, its joint venture with HDI Global SE; its annual report of 5 Oct 2026 says the sale is subject to regulatory approvals.48
Last updated
All 48 sources, each with its page
- 1. Annual report, 5 Oct 2026, page 4
- 2. Annual report, 5 Oct 2026, page 38
- 3. Annual report, 5 Oct 2026, page 62
- 4. Annual report, 5 Oct 2026, page 66
- 5. Annual report, 5 Oct 2026, page 7
- 6. Annual report, 5 Oct 2026, page 167
- 7. Annual report, 5 Oct 2026, page 39
- 8. Annual report, 5 Oct 2026, page 62
- 9. Annual report, 5 Oct 2026, page 7
- 10. Annual report, 5 Oct 2026, page 99
- 11. Annual report, 5 Oct 2026, page 38
- 12. Annual report, 5 Oct 2026, page 63
- 13. Annual report, 5 Oct 2026, page 65
- 14. Annual report, 5 Oct 2026, page 150
- 15. Exchange filing, 9 Sep 2026, page 3
- 16. Investor presentation, 9 Oct 2026, page 40
- 17. Annual report, 5 Oct 2026, page 20
- 18. Earnings call, 9 Oct 2026, page 10
- 19. Investor presentation, 9 Oct 2026, page 22
- 20. Earnings call, 9 Oct 2026, page 4
- 21. Investor presentation, 9 Oct 2026, page 6
- 22. Earnings call, 9 Oct 2026, page 11
- 23. Annual report, 5 Oct 2026, page 38
- 24. Annual report, 5 Oct 2026, page 61
- 25. Investor presentation, 9 Oct 2026, page 6
- 26. Investor presentation, 9 Oct 2026, page 14
- 27. Investor presentation, 9 Oct 2026, page 13
- 28. Investor presentation, 9 Oct 2026, page 23
- 29. Investor presentation, 9 Oct 2026, page 21
- 30. Earnings call, 9 Oct 2026, page 11
- 31. Annual report, 5 Oct 2026, page 38
- 32. Earnings call, 9 Oct 2026, page 5
- 33. Investor presentation, 9 Oct 2026, page 8
- 34. Annual report, 5 Oct 2026, page 62
- 35. Investor presentation, 9 Oct 2026, page 6
- 36. Investor presentation, 9 Oct 2026, page 8
- 37. Earnings call, 9 Oct 2026, page 5
- 38. Earnings call, 9 Oct 2026, page 5
- 39. Earnings call, 9 Oct 2026, page 5
- 40. Annual report, 5 Oct 2026, page 21
- 41. Annual report, 5 Oct 2026, page 20
- 42. Earnings call, 9 Oct 2026, page 5
- 43. Earnings call, 9 Oct 2026, page 12
- 44. Exchange filing, 28 Sep 2026, page 1
- 45. Exchange filing, 9 Sep 2026, page 2
- 46. Exchange filing, 13 Apr 2026, page 1
- 47. Investor presentation, 9 Oct 2026, page 7
- 48. Annual report, 5 Oct 2026, page 39
Results
Consolidated; ₹ crore. Income from operations is what the business earns: interest on loans, fees, dividends and the rest.Poonawalla Fincorp quarterly results
- Income from operations growth, 12 monthsIncome from operations growth, 12 months. The last twelve months against the twelve before them. Left empty where the earlier figure was nought or a loss: growth out of a loss has no percentage.
- +75.1%
- Net profit growth, 12 monthsNet profit growth, 12 months. The last twelve months against the twelve before them. Left empty where the earlier figure was nought or a loss: growth out of a loss has no percentage.
- +399.2%
Quarter to Sep 2026, against the quarter before
- Income from operationsIncome from operations. The pill is the change in income from operations against the quarter before: this period's figure divided by that one's, less one, in per cent.
- ₹2,625 Crup 12.63%
- Net profitNet profit. The pill is the change in net profit against the quarter before: this period's figure divided by that one's, less one, in per cent. Net profit in the glossary
- ₹375 Crup 21.82%
Income from operations by quarter
Net profit by quarter, a loss in red
| ₹ crore | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 | Jun 2026 | Sep 2026 |
|---|---|---|---|---|---|---|---|---|
| Income from operations | 1,057 | 1,166 | 1,314 | 1,542 | 1,818 | 2,115 | 2,337 | 2,625 |
| Net profit | 19 | 62 | 63 | 74 | 150 | 255 | 308 | 375 |
Year to Mar 2026, against the year before
- Income from operationsIncome from operations. The pill is the change in income from operations against the year before: this period's figure divided by that one's, less one, in per cent.
- ₹6,790 Crup 62.07%
- Net profitNet profit. Under it, net profit in the year before. A change in per cent is not worked out where either period is a loss or nothing.
- ₹542 CrYear to Mar 2025: −₹98 Cr
Income from operations by year
Net profit by year, a loss in red
- Net profit
- Loss
The years either side of a change of basis do not compare. From the year to Mar 2023, the company's income from operations for that year, ₹1,939 Cr, differs from its quarters added, ₹2,447 Cr; the company reports a discontinued business.
| ₹ crore | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|---|---|---|---|---|---|
| Income from operations | 2,344 | 2,242 | 2,455 | 2,513 | 2,319 | 2,004 | 1,939 | 3,109 | 4,190 | 6,790 |
| Net profit | 20 | 230 | 304 | 27 | −559 | 375 | 685 | 1,683 | −98 | 542 |
Business segments
In the year to Mar 2026 the company reports one business segment, Lending Business, which carries all its revenue.
Valuation
Today, against the company's own history. Its history crosses a change of basis in the accounts in the year to Mar 2023: days before it are of the company before the change.Poonawalla Fincorp PE ratio and valuation
At or below today's level on 39% of 2,078 trading days over the last 10 years.
At or below today's level on 2% of 1,116 trading days over the last 5 years.
At or below today's level on 37% of 2,478 trading days over the last 10 years.
Where the return came from
Yearly rates to Mar 2026, per-share figures restated for splits and bonuses.
| Over | Return a year | Earnings growth | Change in P/E | Dividend yield |
|---|---|---|---|---|
| 1 year | +5.1% | – | – | 0.0% |
| 3 years | +8.1% | −8.6% | +18.1% | 0.1% |
| 5 years | +27.6% | – | – | 0.3% |
Mutual fund holdings
96 funds disclosed a holding for Sep 2026. What they did in Sep 2026, against each fund's month before. 45 of the 57 funds that added or cut are index funds, ETFs or arbitrage funds: an index fund or ETF holds what its index holds, and an arbitrage fund holds the share against a sale of its future.All 96 funds holding Poonawalla Fincorp
- Bought for the first timeBought for the first time. Funds that held it at the month's end and had not held it in any month on record before.
- 2
- AddedAdded. Funds that held more shares than at the end of the month before.
- 21
- CutCut. Funds that held fewer shares than at the end of the month before.
- 36
- Held unchangedHeld unchanged. Funds that held the same number of shares as at the end of the month before.
- 37
| Fund | |||
|---|---|---|---|
| 1,96,73,996 | 1.31% | ₹873.2 Cr | |
| 1,17,41,023 | 1.72% | ₹521.1 Cr | |
| 81,00,000 | 1.18% | ₹359.5 Cr | |
| 80,91,706 | 0.44% | ₹359.2 Cr | |
| 43,47,598 | 1.27% | ₹193.0 Cr | |
| 41,21,544 | 1.50% | ₹182.9 Cr | |
| 36,00,000 | 1.68% | ₹159.8 Cr | |
| 32,96,832 | 0.71% | ₹146.3 Cr | |
| 32,68,309 | 1.39% | ₹145.1 Cr | |
| 27,05,044 | 2.81% | ₹120.1 Cr |
Promoter and insider buying and selling
Trades made since 29 Oct 2025.Poonawalla Fincorp insider trading
No promoter, director, key manager or employee bought or sold on the market.
- Others: no market trade · 29 pledge filings of unclear kind
Poonawalla Fincorp competitors and peers
Non Banking Financial Company (NBFC), 279 listed companies, priced on 28 Oct 2026. The table lists the 8 companies closest to Poonawalla Fincorp in market cap.Finance companies
Where the company sits among the companies nearest its size
| Company | ||||||||||
|---|---|---|---|---|---|---|---|---|---|---|
| 42,683 | 22.48 | 1.38 | – | – | 6.5% | – | – | – | 0.61% | |
| 41,956 | 20.03 | 2.85 | −34.5% | −48.8% | 14.2% | 13.3% | – | – | 0.00% | |
| 41,797 | 14.12 | 1.89 | – | – | 14.3% | – | – | – | 0.80% | |
| 36,562 | 10.16 | 1.33 | +14.9% | +45.8% | 13.8% | – | 1.89% | 6.76% | 2.85% | |
| 27,123 | 18.71 | 1.69 | +4.8% | +81.2% | 10.2% | – | 1.60% | 10.13% | 0.87% | |
| 22,758 | 9.13 | 1.47 | +35.4% | +190.5% | 17.6% | – | 2.32% | 8.82% | 0.75% | |
| 22,289 | 17.02 | 2.80 | +52.9% | +82.8% | 17.9% | – | 3.55% | 8.36% | 0.09% | |
| 12,212 | 10.93 | 1.55 | +8.3% | +1.0% | 15.2% | – | 7.27% | 19.05% | 0.48% |
Dividends
Per share, by the year it was paid for, and the latest payments.Poonawalla Fincorp dividend history
Dividend per share, ₹, restated for later splits and bonuses
Dividend per share. The dividends declared for the year, each restated to today's share count by the splits and bonuses after its own ex-date, added up. Dividend per share in the glossary| Ex-date | Type | Per share |
|---|---|---|
| 31 Jan 2024 | Interim | ₹2.00 |
| 18 Jul 2023 | FinalFinal dividend. Called final by its date: the company did not say which kind it was, and it went ex within six months after the company's year end, the time in which the annual general meeting that declares the final dividend must be held. Final dividend in the glossary | ₹2.00 |
| 21 Jul 2022 | Final | ₹0.40 |
| 24 Jul 2019 | Final | ₹0.80 |
| 25 Jul 2018 | Final | ₹0.80 |
| 25 Jul 2017 | Final | ₹0.80 |
Latest announcements
Routine notices left out.Poonawalla Fincorp announcements
Oct 2026
26 Oct
16 Oct · Business
16 Oct · Meeting
9 Oct · Board meeting
Poonawalla Fincorp share price by year
Each calendar year to 2025.Poonawalla Fincorp share price history
| Year | Close at year end | Change | Highest close | Lowest close |
|---|---|---|---|---|
| 2025 | 482.95 | +53.6% | 542.50 | 273.80 |
| 2024 | 314.35 | −27.8% | 503.65 | 297.05 |
| 2023 | 435.55 | +41.3% | 446.55 | 275.65 |
| 2022 | 308.30 | +40.6% | 334.25 | 216.45 |
| 2021 | 219.25 | +446.8% | 221.05 | 40.95 |
| 2020 | 40.10 | −25.5% | 68.60 | 13.15 |
| 2019 | 53.85 | −51.0% | 136.10 | 37.25 |
| 2018 | 110.00 | −31.5% | 190.75 | 95.70 |
| 2017 | 160.55 | +59.1% | 184.95 | 92.35 |
| 2016 | 100.90 | +10.1% | 122.75 | 69.95 |
Recent sessions
The 9 trading days to 27 Oct 2026, as traded on NSE; the latest is at the top of the page.
| Date | Open | High | Low | Close | Average price | Volume | Delivery |
|---|---|---|---|---|---|---|---|
| 27 Oct 2026 | 410.40 | 410.40 | 401.55 | 402.80 | 403.56 | 7,29,108 | 56.8% |
| 26 Oct 2026 | 406.25 | 410.50 | 395.15 | 408.60 | 403.90 | 15,49,392 | 43.6% |
| 23 Oct 2026 | 430.50 | 433.70 | 409.30 | 413.00 | 414.96 | 19,13,710 | 54.3% |
| 22 Oct 2026 | 435.50 | 441.40 | 423.45 | 432.45 | 432.12 | 12,17,573 | 47.5% |
| 21 Oct 2026 | 447.60 | 447.80 | 431.20 | 437.30 | 437.14 | 12,09,602 | 54.0% |
| 19 Oct 2026 | 450.00 | 450.00 | 441.55 | 445.70 | 446.18 | 10,52,168 | 60.3% |
| 16 Oct 2026 | 441.00 | 452.70 | 434.30 | 448.95 | 444.92 | 23,08,717 | 50.9% |
| 15 Oct 2026 | 438.00 | 446.40 | 434.10 | 441.30 | 441.02 | 14,54,253 | 48.2% |
| 14 Oct 2026 | 438.20 | 445.50 | 435.80 | 437.25 | 438.93 | 42,60,515 | 72.7% |
Price adjustments
What the price chart is corrected for, so it reads as one share held throughout.Stock split history
| Ex-date | Event | Price factor | What happened |
|---|---|---|---|
| 13 Aug 2010 | Split | 0.2000 | Each share became 5. |
Company details
- NSE symbol
- POONAWALLA
- BSE code
- 524000
- ISIN
- INE511C01022
- Industry
- Finance
- Former symbols
- MAGMA
- Website
- www.poonawallafincorp.com
- CIN
- L51504PN1978PLC209007
- Corporate identity number, the registrar of companies' code for it
- Incorporated
- 1978
- Registered office
- 201 and 202, 2nd floor, AP81, Koregaon Park Annex, Mundhwa Road, Near Raga Lawns, Mundhwa, Pune 411036, Maharashtra
- Share registrar
- MUFG Intime India Pvt. Ltd
- Keeps the register of shareholders and handles transfers and dividend payments