PTC India Financial Services Ltd
Press Release- Financial Performance for the quarter ended June 30, 2026
RESULTS
▼ Concern Flagged
MEDIUM RISK
📅 Filed on BSE: 28 Jul 2026, 07:37 PM IST · BSE ID: 44db0593-7945-4d2e-8d70-7f83fbcd1fde
View Original BSE Filing (PDF)
💡
In Simple Terms
The company's first-quarter profit fell to ₹40.24 crores, while total income remained stable at ₹103.31 crores.
🤖 AI Summary
- Q1 FY27 Total Income for PTC India Financial Services recorded ₹103.31 crores.
- Profit After Tax for Q1 FY27 stood at ₹40.24 crores, down from ₹136.63 crores in Q1 FY26.
- Loan Disbursement in Q1 FY27 was ₹117.25 crores, compared to ₹138 crores in Q1 FY26.
- Gross Stage III assets improved to ₹190 crores in Q1 FY27 from ₹441 crores in Q1 FY26.
- Provision Coverage Ratio for Stage III assets rose to 75% in Q1 FY27 from 62% in Q1 FY26.
🔢 Key Numbers — exact figures from BSE filing, not rounded
Q1 FY27 Total Income
₹103.31 crores
-27.37%
Q1 FY27 Profit After Tax
₹40.24 crores
-70.59%
Q1 FY27 Loan Disbursement
₹117.25 crores
-15.04%
Q1 FY27 Return on Net worth (annualized)
5.19%
-73.29%
Q1 FY27 ROA (annualized)
3.31%
-66.12%
Q1 FY27 Yield on Assets
10.14%
-8.33%
Q1 FY27 Gross Stage III
₹190 crores
-56.92%
Q1 FY27 Provision Coverage Ratio for Stage III assets
75%
20.97%
🏢 How This Affects the Company
The company's focus remains on leveraging its infrastructure financing capabilities and sector expertise for sustainable growth, aiming to build a diversified loan portfolio.
Profit After Tax decreased to ₹40.24 crores in Q1 FY27 from ₹136.63 crores in Q1 FY26, impacting profitability metrics such as Return on Net Worth and ROA.
The company plans to deploy its expertise and structured financing capabilities across both established and emerging infrastructure segments, with disciplined underwriting.
Gross Stage III assets improved to ₹190 crores and Provision Coverage Ratio for Stage III assets increased to 75%, indicating a reduction in asset quality risk.
👥 What This Means For Shareholders
✅
Action Required
No immediate action is required by shareholders based on this financial results press release.
👤
Who Is Affected
All shareholders are affected as the company's financial performance metrics, including profitability and asset quality, directly influence the underlying value of their holdings.
🔍
Management Signal
Management signals a commitment to sustainable, risk-aware growth by focusing on core infrastructure financing capabilities and improved asset quality, despite a muted quarter.
For information only. Not investment advice. ForgeUp is not SEBI-registered.
👁 Watch List — track these upcoming events
Q2 FY27 financial results — assess if Total Income and PAT show recovery.
Updates on loan disbursements — monitor growth in the infrastructure financing portfolio.
Further improvement in asset quality — track Gross Stage III and PCR in subsequent quarters.
MEDIUM RISK
Significant decline in profitability and income indicates operational challenges, offset partially by improved asset quality.
💡 Investor Takeaway
PTC India Financial Services reported Q1 FY27 Profit After Tax of ₹40.24 crores, a 70.59% decrease from ₹136.63 crores in Q1 FY26. Total Income also fell by 27.37% to ₹103.31 crores. However, Gross Stage III assets improved to ₹190 crores.
⚖️ Strengths & Concerns
✅ Positives
- Gross Stage III assets improved significantly to ₹190 crores in Q1 FY27 from ₹441 crores in Q1 FY26.
- Provision Coverage Ratio for Stage III assets increased to 75% in Q1 FY27 from 62% in Q1 FY26, enhancing risk mitigation.
⚠️ Concerns
- Profit After Tax decreased to ₹40.24 crores in Q1 FY27 from ₹136.63 crores in Q1 FY26, a decline of 70.59%.
- Total Income fell to ₹103.31 crores in Q1 FY27 from ₹142.24 crores in Q1 FY26, a reduction of 27.37%.
📅 Company Track Record
A previous filing on 2026-07-28 for PTC India Financial Services indicated Q1 FY27 total revenue from operations at Rs. 103.31 Crore, consistent with the total income reported in this press release.
Based on publicly available historical data. For context only.
❓ Frequently Asked Questions
What was PTC India Financial Services' Profit After Tax in Q1 FY27?
PTC India Financial Services reported a Profit After Tax of ₹40.24 crores in Q1 FY27, compared to ₹136.63 crores in Q1 FY26.
What was the Total Income for PTC India Financial Services in Q1 FY27?
The Total Income for PTC India Financial Services in Q1 FY27 was ₹103.31 crores, a decrease from ₹142.24 crores in Q1 FY26.
How did Gross Stage III assets change for PTC India Financial Services in Q1 FY27?
Gross Stage III assets improved to ₹190 crores in Q1 FY27, down from ₹441 crores in Q1 FY26.
What was PTC India Financial Services' Provision Coverage Ratio for Stage III assets in Q1 FY27?
The Provision Coverage Ratio for Stage III assets for PTC India Financial Services improved to 75% in Q1 FY27, from 62% in Q1 FY26.
Questions based on this BSE filing only. For information purposes.