Poonawalla Fincorp Ltd

Meeting Details

• Date and time: October 9, 2026 at 5:00 PM IST.
• Type and mode: earnings call; virtual conference call.
• Organizer: Poonawalla Fincorp Limited.
• Key participants: Investor Relations team.
• Purpose: discuss Q2 FY27 results.
• Recording: transcript to be uploaded on the company website.
• Join method: DiamondPass virtual join; no wait time.

Meeting Details

• Board meeting on Oct 9, 2026 to consider unaudited results for Q2 and H1 2026.

Key Agenda Items

• Consider and approve unaudited financial results for the quarter and half year ending September 30, 2026.

Other Notes

• Trading window closed for Designated Persons from Oct 1 to Oct 11, 2026.

NCD issuance details

• Non-convertible debentures (NCDs) issued via private placement.
• 2,00,000 NCDs; aggregate up to ₹2,000 crore.
• Face value ₹1,00,000 per NCD.
• NCDs listed on BSE Limited.
• Allottees are eligible investors; individual names not disclosed.
• Tenor as per key information document.
• Coupon rate to be disclosed in KID.
• First-ranking pari passu charge on hypothecated properties.
• Delay interest of 2% over applicable coupon for defaults.
• Redemption dates per KID.
• Debt increase through NCD issuance; secured by first-ranking charge.

Instruments and Ratings

• Agency: CRISIL Ratings Limited.
• Bank facilities long-term: Rs 19,785 Cr; AAA/Stable (Reaffirmed).
• Bank facilities short-term: Rs 19,785 Cr; A1+ (Reaffirmed).
• Subordinated debt: Rs 600 Cr; AAA/Stable (Assigned).
• Non-convertible debentures: Rs 9,000 Cr; AAA/Stable (Assigned).
• Non-convertible debentures: Rs 10,000 Cr; AAA/Stable (Reaffirmed).
• Non-convertible debentures: Rs 2,375 Cr; AAA/Stable (Reaffirmed).
• Non-convertible debentures: Rs 7,750 Cr; AAA/Stable (Reaffirmed).
• Non-convertible debentures: Rs 6,700 Cr; AAA/Stable (Reaffirmed).
• Perpetual bonds: Rs 171.4 Cr; AA+/Stable (Reaffirmed).
• Perpetual bonds: Rs 16.9 Cr; AA+/Stable (Reaffirmed).
• Perpetual bonds: Rs 1,500 Cr; AA+/Stable (Reaffirmed).
• Subordinated debt: Rs 1,715 Cr; AAA/Stable (Reaffirmed).
• Subordinated debt: Rs 140 Cr; AAA/Stable (Reaffirmed).
• Commercial Paper: Rs 7,500 Cr; A1+ (Reaffirmed).
• Non-convertible debentures: Rs 575 Cr; Withdrawn.
• Perpetual debt: Rs 4.7 Cr; Withdrawn.
• Material change: Rating withdrawals on Rs 575 Cr NCDs and Rs 4.7 Cr perpetual debt.
• RSHPL support: expected timely support due to majority stake.
• Capitalisation: Net worth Rs 13,060 Cr; gearing 3.82x as of Jun 30, 2026.
• Liquidity: unencumbered cash Rs 1,166 Cr and undrawn lines Rs 2,295 Cr.
• Asset quality: GNPA 1.37%, NNPA 0.70% as of Jun 30, 2026.
• AUM: ~Rs 67,054 Cr as of Jun 30, 2026.
• Outlook: Stable.
• Rating sensitivity: decline in RSHPL support or asset quality deterioration.

NCD issuance details

• Unsecured, redeemable, rated, listed, subordinated NCDs issued as Tier II capital.
• Private placement to eligible investors.
• Total 20,000 NCDs with face value ₹100,000 each.
• Aggregate issue size up to ₹200 crore, base ₹150 crore, green shoe ₹50 crore.
• Face value per security ₹100,000; no premium stated.
• Tenor and coupons as per the Key Information Document (KID).
• Coupon payment with 2% extra on delays beyond due date.
• NCDs proposed to be listed on BSE Limited.
• Security: Unsecured; subordinated debentures.
• Material impact: increases Tier II debt capital by up to ₹200 crore.