| Management target | Revenue FY27 |
|---|
| Revenue growth | Total income ₹114 Cr; loan assets grew 25% QoQ. |
|---|---|
| Margins | Interest spread improved to 1.18%; targeting NIM above 2%. |
| Order book | Sanctions at ₹3,355 Cr; undisbursed sanctions pipeline of ₹2,500 Cr. |
| Demand visibility | Strong pipeline in renewables (45% of book) and digital infrastructure. |
| Management confidence | High; emphasizing a reversal of long-term trend and lender confidence. |
Growth
AUM grew 25% sequentially to ₹3,684 Cr; sanctions reached 36-quarter high of ₹3,098 Cr.
Outlook
Targets ₹5,000 Cr loan book by end of FY27; aiming for 4.16% ROA.
Risks
One road project (Kundli-Manesar) slipped to NPA; net NPA rose to ₹105 Cr.
Last quarter's promises, checked
Delivered
- Guided >₹1,200 Cr Q2 sanctions → ₹3,098 Cr, 36-qtr high (= BEAT)
- Guided new lender sanctions by end-Q2 → ₹200 Cr sanctioned + ₹200 Cr in-principle; Central Bank added (= BEAT)
Partly delivered
- Guided ₹5,000 Cr AUM by FY27-end → ₹3,684 Cr at Q2; FY27 not yet due (= PARTIAL)
- Guided NCLT admission in Q1 → not reported; still pending (= PARTIAL)
Missed
- Guided ~₹1,000 Cr Q1 disbursal → ₹117 Cr (= MISS)
- Guided stable asset quality, net Stage III ₹47 Cr → net NPA ₹105 Cr (= MISS)
Earnings Call Transcript filed with NSE, NSE: PFS. Summary written with AI assistance from the document.
PTC India Financial Services Ltd: key numbers
- Share price
- ₹24.01
- Market cap
- ₹1,542 Cr
- Revenue (annual)
- ₹514.6 Cr
- Net profit (annual)
- ₹319.4 Cr
- P/E (TTM)
- 8.6×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 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 Investor Presentation: Key Takeaways
Q2 FY27 PAT ₹44 Cr (down 50% YoY) on total income ₹114 Cr; loan assets flat at ₹3,684 Cr; sanctions at an 8-year high.
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.