| Revenue growth | Total income -14% YoY; +10% QoQ (₹113.67 Cr vs ₹103.31 Cr). |
|---|---|
| Margins | NIM 4.43% vs 4.59% YoY, 4.40% QoQ; spread 1.18%. |
| Order book | Fresh bank sanctions and drawdowns cited; quantum not disclosed. |
| Demand visibility | Sanctions ₹3,098 Cr vs ₹1,255 Cr H1 FY26; disbursements ₹1,712 Cr H1. |
| Management confidence | Confident on sanctions momentum; claims highest sanctions in 8 years. |
Growth
Q2 total income ₹113.67 Cr (-14% YoY); PAT ₹44.04 Cr (-50% YoY). H1 PAT ₹84.28 Cr (-62%).
Outlook
No numeric FY27 growth guidance; blueprint stresses disciplined loan book growth, funding diversification and ESG-led lending.
Risks
Net Stage III rose to ₹105 Cr from ₹47 Cr; NII down 13% YoY; spread only 1.18%.
Last quarter's promises, checked
Delivered
- Delayed ~₹1,000 Cr disbursals to convert in Q2 → H1 disbursal ₹1,712 Cr (= BEAT)
- Q2 month-1 sanctions >₹1,200 Cr → H1 sanctions ₹3,098 Cr (= BEAT)
Partly delivered
- AUM ₹5,000 Cr by FY27-end → loan assets ₹3,684 Cr at Q2 (= PARTIAL)
- Bank sanctions before Q2-end → sanctions cited, quantum undisclosed (= PARTIAL)
Missed
- Q1 disbursal ~₹1,000 Cr → ₹117 Cr (= MISS)
- NCLT admission of NPA account expected in-quarter → status undisclosed; Net Stage III ₹47 Cr → ₹105 Cr (= MISS)
Investor Presentation filed with BSE, NSE: PFS. Summary written with AI assistance from the document.
PTC India Financial Services Ltd: key numbers
- Share price
- ₹24.15
- Market cap
- ₹1,551 Cr
- Revenue (annual)
- ₹514.6 Cr
- Net profit (annual)
- ₹319.4 Cr
- P/E (TTM)
- 8.7×Sector 19.7×
- Promoter holding
- 64.99%+0.00% QoQ
- FII holding
- 1.56%Current quarter
Reference market data from a third-party provider, updated daily. Not a valuation or a recommendation.
More from PTC India Financial Services Ltd
All →PTC India Financial Services Earnings Call Transcript: Key Takeaways
PFS returns to growth after 10 quarters of contraction, hitting multi-year highs in sanctions.
PTC India Financial Services Results Update
PTC India Financial Services released Q2 and H1 FY27 highlights showing loan sanctions and disbursements at multi-year highs, but lower total income and sharply reduced return ratios. The press release carries no full results statement.
PTC India Financial Services Q2 FY27 Results: Net Profit ₹44 Cr, Down 50.1% YoY
PTC India Financial Services Ltd reported revenue from operations of ₹110.2 Cr (-16.4% YoY) and net profit of ₹44 Cr (-50.1% YoY) for Q2 FY27.
- Key figure
- Net profit ₹44 Cr · -50.1% YoY
PTC India Financial Services Annual General Meeting
PTC India Financial Services issued a Postal Ballot Notice seeking member approval to extend Shri Rajiv Malhotra's tenure as MD & CEO (Additional Charge) by one year from December 2026. The extension carries no remuneration and will be voted via remote e-voting.
PTC India Financial Services Other Announcement
The company submitted its quarterly shareholding pattern report under SEBI (LODR) Regulations, 2015 for the period ended September 30, 2026.
PTC India Financial Services Board Meeting Date
PTC India Financial Services scheduled a board meeting for October 27, 2026, to approve unaudited financial results for the quarter and half-year ended September 30, 2026.