PTC India Financial Services Ltd

Financial performance

• Total income ₹518.25 Cr; down 18.8% YoY.
• PAT after tax ₹319.36 Cr; up from ₹217.05 Cr.
• EPS ₹4.97; YoY growth.

Capital structure & liquidity

• Debt/Equity 0.57x; long-term borrowings only.
• CAR 66.63% (Tier I 66.30%); as at 31 Mar 2026.

Portfolio and operations

• Disbursements ₹1,235 Cr; ~35% growth.
• Green portfolio ~31% of total portfolio.

Dividends & shareholder matters

• Dividend ₹0 for FY2025-26; policy published.

Governance & leadership

• MD & CEO appointed 13 Apr 2026.
• Balaji Rangachari resigned as MD&CEO; effective 30 Jun 2026.

AGM Details

• AGM date/time: 24 September 2026 at 12:00 Noon IST; via VC/OAVM.
• Deemed venue: Registered Office, New Delhi.
• Cut-off for e-voting: 17 September 2026.
• Remote e-voting window: 21 Sept 2026, 09:00 IST to 23 Sept 2026, 17:00 IST.

Ordinary Business

• Adopt standalone and consolidated financial statements for FY 2025-26.
• Re-appoint Dr. Manoj Kumar Jhawar as Director, retiring by rotation.

Director Re-Appointment

• Dr. Manoj Kumar Jhawar to be re-appointed as Director, retiring by rotation.

Voting & Access

• Notice and Annual Report available on company website and stock exchanges.
• Proxy facility not available due to VC/OAVM format.

AGM details and document distribution

• 20th AGM scheduled for 24 September 2026 at 12:00 PM via VC/OAVM.
• Meeting to be conducted under applicable MCA and SEBI circulars.
• Electronic copies of AGM notice and Annual Report FY2025-26 to registered email holders.
• Web-link and path of the Annual Report to be sent to non-registered shareholders.
• Documents available on Company website and stock exchange portals.
• Compliance with SEBI LODR Regulations 2015 noted.

Financial Highlights

• Q1 FY27 total income ₹103.31 crore, down from ₹142.24 crore in Q1 FY26.
• PAT ₹40.24 crore in Q1 FY27 vs ₹136.63 crore in Q1 FY26.
• Disbursement ₹117.25 crore in Q1 FY27 vs ₹138 crore in Q1 FY26.
• RoNW annualized 5.19% in Q1 FY27 vs 19.36% in Q1 FY26.
• ROA annualized 3.31% in Q1 FY27 vs 9.77% in Q1 FY26.
• Yield on assets 10.14% in Q1 FY27 vs 11.05% in Q1 FY26.
• Gross Stage III exposure ₹190 crore in Q1 FY27 vs ₹441 crore in Q1 FY26.
• Provision Coverage Ratio for Stage III assets 75% in Q1 FY27 vs 62% in Q1 FY26.

Strategy and Outlook

• PFS focuses on core infrastructure financing with a diversified, high-quality loan portfolio.
• Growth strategy emphasizes calibrated, profitable expansion with disciplined underwriting and risk management.
• Management optimistic about the pipeline and opportunities across the infrastructure financing ecosystem.
• Aims sustainable, risk-aware growth aligned with long-term value creation.