Ptc India Financial Services Limited · NSE:PFS
Ptc India Financial Services — Q2 & H1 FY27 Earnings Presentation
23 slides from Ptc India Financial Services's earnings presentation, Oct 27, 2026
Slide 1: Exchange filing cover letter for investor presentation
October 27, 2026 To BSE Limited National Stock Exchange of India Limited Phiroze Jeejeebhoy Towers, Dalal Street, Exchange Plaza, C-1, Block G, Bandra- Kurla Mumbai- 400001 Complex, Bandra (East), Mumbai- 400051 Scrip Code: 533344 Scrip Symbol: PFS Subject: Investors’ Presentation on the Financial R
Slide 2: Investing in Impact, Powered by Purpose - Q2 & H1 FY27
INVESTING IN IMPACT B POWERED BY PURPOSE C Q2 & H1 FY27 D INVESTOR PRESENTATION E October 2026
Slide 3: Table of Content
TABLE OF CONTENT 03. PFS Overview 07. Key Performance Metrics 04. Executive Summary 09. Q2 & H1 FY27 Highlights 05. Shareholder Information 10. Business Overview 06. Board of Directors 17. Financials
Slide 4: PFS Overview
PFS OVERVIEW RBI-classified Infrastructure Finance Company A subsidiary of PTC India Limited Incorporated in September 2006 (leader in electricity trading market) Focus on sustainable financing by delivering Aim to be the most preferred financial partner comprehensive and innovative solutions across
Slide 5: Executive Summary
EXECUTIVE SUMMARY Empowering sustainable infrastructure transformation through agile, impact-oriented financing FOCUS AREAS: 1. Power Infrastructure ₹3,684 Crores 2. Renewable Energy & Energy Transition Loan Assets as on 30th Sep ‘26 3. Transportation & Logistics 4. Water & Urban Infrastructure ₹44
Slide 6: Shareholder Information
SHAREHOLDER INFORMATION As on 30th Sep, 2026 26.38% Top Shareholders (as on 30th Sep, 2026) PTC India Limited 64.99 Domestic Institutional Investor 5.04 2.03% FPI (Category I + Category II) 1.56 64.99% 1.56% 1.41% 3.63% PTC India Limited Mutual Funds Insurance Companies FPI (Category I + Category II
Slide 7: Board of Directors
BOARD OF DIRCTORS Mr. Manoj Kumar Jhawar Mr. Rajiv Malhotra Non-Executive Chairman MD & CEO (Addl. Charge) MD & CEO at PTC India Limited Over 35 years of leadership experience in the power and infrastructure sector. ED & Group CRO at PTC India Limited Mr. Manas R. Mohanty Ms. Mini Ipe Independent Di
Slide 8: Key Financial Metrics - Quarterly Snapshot
KEY FINANCIAL METRICS- QUARTERLY SNAPSHOT LOAN ASSETS (IN ₹ CR) SANCTIONS (IN ₹ CR) DISBURSEMENTS (IN ₹ CR) 3,697 3,684 3,098 1,595 2,946 1,048 326 117 0 Q2 FY26 Q1 FY27 Q2 FY27 Q2 FY26 Q1 FY27 Q2 FY27 Q2 FY26 Q1 FY27 Q2 FY27 TOTAL INCOME (IN ₹ CR) PAT (IN ₹ CR) GROSS STAGE III (IN ₹ CR) 132 88 114
Slide 9: Key Financial Metrics - Half Yearly Snapshot
KEY FINANCIAL METRICS- HALF YEARLY SNAPSHOT LOAN ASSETS (IN ₹ CR) SANCTIONS (IN ₹ CR) DISBURSEMENTS (IN ₹ CR) 3,697 3,098 1,712 3,684 1,255 464 H1 FY26 H1 FY27 H1 FY26 H1 FY27 H1 FY26 H1 FY27 TOTAL INCOME (IN ₹ CR) GROSS STAGE III (%) NIM (%) 274 5.23 4.63 217 4.41 3.43 H1 FY26 H1 FY27 H1 FY26 H1 FY
Slide 10: Q2 FY27 Highlights
Q2 FY27 HIGHLIGHTS • Return to Core Infrastructure Financing, leveraging established relationships for stronger execution 45% of the book constitutes Renewable • AUM records growth after two years, reflecting business momentum Highest Loan Sanctions in the past 8 years Highest Loan Disbursemen
Slide 11: Business Overview
BUSINESS OVERVIEW PIC India
Slide 12: Operational Performance: Comparative View
OPERATIONAL PERFORMANCE: COMPARATIVE VIEW SECTOR-WISE OUTSTANIDNG Q1 FY27 Q2 FY27 11% 17% 19% 13% 4% 45% 13% 10% 17% 4% 32% 3% TOTAL- ₹2,946 Cr TOTAL- ₹3,684 Cr 8% 3% Renewable Sustainable Infra Transmission Road Renewable Sustainable Infra Transmission Road Distribution Thermal Other* Distribution
Slide 13: Q2 FY27 Sectoral Composition of the Portfolio
Q2 FY27 SECTORAL COMPOSITION OF THE PORTFOLIO Utilities 628.18 Conventional Power & Transmission 778.59 Renewable 1,649.61 Digital Infra 167.89 Transportation Infra 124.19 Wastewater & Emerging Infra 105.06 Others 230.48 In ₹ Crores 12
Slide 14: Blueprint for Future
BLUEPRINT FOR FUTURE Scaling with Strength: Driving Sustainable & Profitable Growth FY27 – Driving Profitable & Disciplined Growth 1. Leverage PFS’s core infrastructure financing capabilities 2. Pursue infrastructure opportunities across loan sizes and value chain 3. Drive disciplined and sustainabl
Slide 15: Robust and Well Structured ALM
ROBUST AND WELL STRUCTURED ALM Structured Liquidity Statement as on September 30, 2026 Liquidity Coverage Ratio In ₹ Crores 208 248 5 1,494 252% 4,136 220% 181% 2,642 166% 1,746 1,741 116% 1,218 969 607 399 Upto 3M Upto 6M Upto 1Y Upto 3Y Q2 FY26 Q3 FY26 Q4 FY26 Q1 FY27 Q2 FY27 Cumulative Total Infl
Slide 16: Thrust on Enhancing Asset Quality
THRUST ON ENHANCING ASSET QUALITY In ₹ Crores 441 193 193 190 190 167 126 105 47 47 47 47 Q1 FY26 Q2 FY26 Q3 FY26 Q4 FY26 Q1 FY27 Q2 FY27 Gross Stage III Accounts Net Stage III Accounts *amounts are post IndAS adjustments 15
Slide 17: Sustainability and ESG Focus
SUSTAINABILITY AND ESG FOCUS • Focus on Green & • Gender diversity & equal • Strong Board oversight & SOCIAL ENVIRONMENTAL GOVERNANCE Sustainable opportunity accountability Finance • Equal pay for equal work • Ethical business conduct • Integrated ESMS • Employee well-being & & integrity into credit
Slide 18: Financials
(Classification: Confidential FINANCIALS Indio
Slide 19: Key Balance Sheet Indicators
KEY BALANCE SHEET INDICATORS Q2 FY27 Q1 FY27 Q2 FY26 Particulars H1 FY27 H1 FY26 FY26 3,098 - 1,048 Loan Sanctioned (₹ Cr) 3,098 1,255 3,448 1,595 117 326 Loan Disbursed (₹ Cr) 1,712 464 1,235 3,684 2,946 3,697 Loan Assets (₹ Cr)* 3,684 3,697 3,292 70.99 68.91 62.63 Capital Adequacy Ratio (%) 70.99
Slide 20: Results Overview
RESULTS OVERVIEW Q2 FY27 Q1 FY27 Q2 FY26 Particulars H1 FY27 H1 FY26 FY26 113.67 103.31 131.86 Total Income (₹ Cr) 216.98 274.10 518.25 17.02 54.25 117.63 Profit before tax (₹ Cr) 71.27 263.94 389.70 Tax expense (₹ Cr) (27.02) 14.01 29.49 (13.01) 39.17 70.34 (including deferred tax) 44.04 40.24 88.1
Slide 21: Key Operational Indicators
KEY OPERATIONAL INDICATORS Q2 FY27 Q1 FY27 Q2 FY26 Particulars H1 FY27 H1 FY26 FY26 Net Interest Margin (%) 4.43 4.40 4.59 4.41 4.63 4.49 (Stage 1 + Stage 2 loans only) 13.90 19.89 18.04 Cost to Income Ratio (%) 16.59 16.27 16.84 0.45 0.49 0.76 Debt Equity Ratio (Times) 0.45 0.76 0.57 5.64 5.19 12.3
Slide 22: Yield on Assets and Cost of Funds
YIELD ON ASSETS AND COST OF FUNDS 11.05% 11.23% 10.57% 10.45% 10.29% 10.14% 9.67% 9.49% 9.45% 9.37% 9.26% 9.27% 1.38% 1.74% 1.18% 1.12% 0.88% 0.92% Q1 FY26 Q2 FY26 Q3 FY26 Q4 FY26 Q1 FY27 Q2 FY27 Yield on Assets Cost of borrowed funds Spread *Yield on Earning portfolio (Stage 1 + Stage 2 loans) Pr
Slide 23: Thank You
Thank You Priya Chaudhary – VP (Investor Relation) Email: [email protected] PTC India Financial Services Ltd 7th Floor Telephone Exchange Building, 8 Bhikaji Cama Place, New Delhi - 110 066 INDIA Fax: +91 11 26737373 / 26737374 Email: [email protected] 22
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