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Q4FY26: Poonawalla Fincorp Limited Reports 69.6% YoY Profit Growth

Poonawalla Fincorp Limited’s Q4FY26 results show a 69.6% YoY profit growth, highlighting strong AUM growth and improved asset quality.

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Q4FY26: Poonawalla Fincorp Limited Reports 69.6% YoY Profit Growth - TradeAlone

Poonawalla Fincorp Limited showcased robust financial performance in Q4FY26, with a significant 69.6% year-on-year profit growth. The company’s total assets under management (AUM) exhibited healthy momentum across all retail products, contributing to the impressive results. Notably, new product launches played a pivotal role, accounting for 14% of the AUM growth. The company’s prudent risk management and strategic capital raise further bolstered its financial health.

Key Financial Highlights

The company reported a net interest income (NII) of ₹695 crore, marking a 31.6% year-on-year increase. The profit after tax (PAT) surged to ₹255 crore, up 69.6% quarter-on-quarter. The capital adequacy ratio remained robust, standing at 20.74% following a successful ₹2,500 crore capital raise. Additionally, the company’s gross non-performing assets (GNPA) ratio improved to 1.44%, reflecting enhanced asset quality.

Strategic Expansion and Business Growth

Poonawalla Fincorp Limited expanded its distribution network by launching 400 new gold loan branches. The omni-channel sourcing strategy, integrating digital, tele-calling, and in-house sales teams, facilitated robust business traction. The company’s new product disbursements reached ₹3,000 crore in Q4FY26, with new products contributing 24% to total disbursements. This strategic growth is poised to sustain the company’s trajectory towards a scalable and resilient future.

Source: NSE Corporate Announcement

Fundamental & Technical Analysis of Poonawalla Fincorp Limited

Poonawalla Fincorp Limited belongs to the › sector. Here’s a quick read on where the business and the stock stand today.

POONAWALLA
Financial Services › Credit Services
—
54
Fundamental
72
Technical
64
Overall

1W -7.31%
1M -4.3%
3M -2.86%
P/E: 46.4 Cap: Large
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Poonawalla moves sideways over three months, with neither buyers nor sellers taking control. D/E reaches 2.27. High leverage in this environment is a material risk the market cannot ignore. 1 loss quarter(s) over five years signals earnings fragility — not chronic but worth noting. The stock holds at 37% of its 52-week range with RSI at 62. In other words, neither side has a clear edge right now. Revenue grows at 38.2% and the stock moves sideways over three months. Neither side makes a strong case. The next earnings print will likely break this stock out of its current range. Check Fundamentals of Poonawalla Fincorp Limited.

CIFL

Capital India Finance Limited (cifl) Raises ₹ 100 Crore Through Secured NCD Issuance

Capital India Finance Limited (CIFL) announced a ₹ 100 crore NCD issuance, strengthening its funding base and supporting its lending business growth.

Shruti singh - TradeAlone

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Capital India Finance Limited CIFL Secured NCD Issuance September 2026

Capital India Finance Limited (CIFL) announced a successful ₹ 100 crore secured NCD issuance, marking a significant step in diversifying its funding base. The issuance comprised a base issue of ₹ 50 crore and a green shoe option of ₹ 50 crore. The NCDs, with a tenure of 27 months and a fixed coupon of 10% per annum, payable quarterly, will be listed on BSE Limited. This fundraise strengthens CIFL’s funding base and provides additional resources to support its lending business growth.

Strategic Growth

The NCD issuance advances CIFL’s strategy of diversifying its sources of borrowing as it scales its secured MSME and retail lending franchise. Pinank Shah, CEO of Capital India Finance Limited, emphasized the importance of this NCD issuance in building the capacity required for the next phase of growth. With an expanding distribution network, disciplined underwriting, and strong capital adequacy, CIFL is well positioned to deepen its presence across underserved MSME markets.

Operational Expansion

CIFL has expanded its distribution network to 46 branches across nine states, compared with 29 branches at the end of FY 2025. The Company focuses on secured MSME and retail lending, combining local market presence with technology-enabled processes and underwriting capabilities. In FY 2026, CIFL’s assets under management increased 22% year-on-year to ₹ 1,227.37 crore, while disbursements rose 62% to ₹ 753.54 crore. The growth momentum continued in Q1 FY 2027, with standalone total income increasing 32% year-on-year to ₹69.53 crore. Disbursements grew 36% and assets under management increased 20% year-on-year.

As CIFL continues to balance growth with asset quality, liquidity, and sustainable returns, it remains committed to expanding its market presence and delivering value to its stakeholders.

Source: NSE Corporate Announcement

Fundamental & Technical Analysis of Capital India Finance Limited

Capital India Finance Limited belongs to the › sector. Here’s a quick read on where the business and the stock stand today.

CIFL
Financial Services › Credit Services
APPROACHING RESISTANCE
36
Fundamental
56
Technical
47
Overall

1M +4.66%
3M -7.06%
P/E: 21.3 Cap: Small
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Capital falls 8.7% over three months and has not found a floor yet. Thin margins at 7.3% leave limited room for error — any demand softness or cost spike hits the bottom line hard. 4 loss quarters over five years is a serious red flag — earnings quality is poor and recovery is not guaranteed. The stock gains 3.1% in the last month, recovering from the three-month slide. However, it is too early to call this a confirmed reversal. Revenue grows at -7.4% CAGR and the PEG stands at 99.00. The growth does not match the price the market asks. Furthermore, flat price action adds no technical catalyst. A lower price or faster revenue growth would improve the odds. Check Fundamentals of Capital India Finance Limited.

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Credit Services

Indian Railway Finance Corporation Limited Signs Rs 4,200 Crore Loan Agreement with DVC for Renewable Energy Projects

Indian Railway Finance Corporation Limited (IRFC) secures a Rs 4,200 crore loan with DVC to fund renewable energy projects, supporting Indian Railways’ net z.

Reena Bhati - Tradealone

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Indian Railway Finance Corporation Limited IRFC Renewable Energy Projects

Indian Railway Finance Corporation Limited (IRFC) has taken a significant step in its strategic expansion and diversification by signing a Rs 4,200 crore term loan agreement with Damodar Valley Corporation (DVC) to finance its renewable energy projects across Jharkhand and West Bengal. This transaction marks an important milestone in IRFC’s evolving role as a diversified infrastructure financier, extending its established long-term financing capabilities to the clean energy ecosystem while remaining closely aligned with the broader railway ecosystem.

Strategic Expansion

The loan agreement was signed in New Delhi in the presence of senior officials of IRFC and DVC. The financing will support DVC’s portfolio of floating solar, ground-mounted solar, rooftop solar, and Battery Energy Storage System (BESS) projects, leveraging its existing land, reservoirs, and transmission infrastructure. Manoj Kumar Dubey, Chairman & Managing Director, IRFC, said, ‘Renewable energy is no longer peripheral to the Railways; it is at the core of Indian Railways’ journey towards Net Zero Carbon Emissions by 2030.’ This partnership with DVC demonstrates how IRFC can bring long-term capital to renewable energy infrastructure that supports the Railways’ growing energy requirements while contributing to a greener, more sustainable, and future-ready India.

Supporting Sustainable Goals

The transaction extends IRFC’s financing capabilities into clean energy infrastructure that complements its core railway financing mandate, while supporting the broader transition towards a sustainable energy ecosystem. The DVC transaction marks another important step in IRFC’s calibrated diversification into strategic railway-linked infrastructure sectors, building on its established strength in providing long-term financing. IRFC’s expanding financing portfolio includes sectors such as renewable energy, power, metro rail, logistics, and other infrastructure with strong linkages to national development priorities.

About IRFC: Indian Railway Finance Corporation Ltd. is a Navratna Central Public Sector Enterprise under the Ministry of Railways and the dedicated market borrowing arm of Indian Railways. Leveraging its strong credit profile and established market presence, IRFC provides financing support for railway expansion, modernization, and strategic infrastructure development, while expanding into infrastructure sectors having forward and backward linkages with the railway ecosystem.

Source: NSE Corporate Announcement

Fundamental & Technical Analysis of Indian Railway Finance Corporation Limited

Indian Railway Finance Corporation Limited belongs to the › sector. Here’s a quick read on where the business and the stock stand today.

IRFC
Financial Services › Credit Services
CONSOLIDATING DOWN
62
Fundamental
42
Technical
52
Overall

1W -2.12%
1M -4.87%
3M -12.72%
P/E: 14.4 Cap: Large
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Indian falls 13.2% over three months and has not found a floor yet. The PEG reaches 3.25. The stock trades on brand and index weight, not on growth. D/E reaches 7.83. High leverage in this environment is a material risk the market cannot ignore. RSI stands at 32, well into oversold territory. Yet sellers still dominated on 20 of recent sessions versus 10 for buyers, so the pressure has not fully lifted. Revenue grows at 4.6% CAGR — a respectable pace. However, the stock drops 13.2% in three months without an obvious fundamental trigger. Sector-wide pressure or a valuation re-rating can persist for longer than expected. Therefore, there is no rush to step in. Check Fundamentals of Indian Railway Finance Corporation Limited.

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Credit Services

Moneyboxx Finance Limited (moneyboxx) Raises ₹60 Crore Via Ncds

Moneyboxx Finance Limited (MONEYBOXX) secures ₹60 crore via NCDs from Choice Finserv, Vakrangee, and Vivriti Capital to fund AUM growth.

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Moneyboxx Finance Limited Moneyboxx NCD Raise FY26

Moneyboxx Finance Limited (MONEYBOXX) has raised ₹60 crore through the issuance of Non-Convertible Debentures (NCDs) subscribed by Choice Finserv, Vakrangee, and Vivriti Capital, strengthening its liquidity position as the company prepares to accelerate growth across its diversified lending platform.

Enhanced Liquidity and Growth

The NCDs carry a coupon of 10.75% per annum, a tenor of 2 years, and are secured/rated BBB/Stable by CRISIL/India Ratings. The fresh debt capital will support Moneyboxx’s growing disbursement pipeline across its four growth engines — secured MSME lending, livestock finance, rooftop solar finance, and digital lending.

Diversified Lending Platforms

Alongside its established branch-led business, Moneyboxx is scaling multiple partnership-led origination channels, including Bachatt for digital lending, Akshayakalpa for dairy and livestock finance, and Loom Solar for rooftop solar finance. These partnerships provide access to new customer pools and complement Moneyboxx’s existing distribution, underwriting, and collection infrastructure, creating additional avenues for efficient AUM growth.

Strong Portfolio and Future Prospects

The Company has also significantly strengthened the quality of its portfolio, with a substantially higher proportion of secured lending, larger average ticket sizes, and an improved borrower credit profile. This stronger portfolio architecture, combined with diversified sourcing channels, provides a robust foundation for the next phase of balance-sheet expansion.

With multiple origination channels now scaling simultaneously, the Company expects strong momentum in disbursements and AUM growth over the coming months. Commenting on the development, Mr. Deepak Aggarwal, Co-Founder and Co-CEO, Moneyboxx Finance Limited, said: ‘We are entering an exciting phase of growth at Moneyboxx. Over the last few quarters, we have strengthened the quality of our portfolio while building multiple, complementary engines for future growth.’ With a stronger portfolio, diversified sourcing channels, and an expanding partnership ecosystem, Moneyboxx is well positioned to deliver strong and sustainable AUM growth while maintaining its focus on asset quality and responsible lending.

Source: NSE Corporate Announcement

Fundamental & Technical Analysis of Moneyboxx Finance Limited

Moneyboxx Finance Limited belongs to the › sector. Here’s a quick read on where the business and the stock stand today.

MONEYBOXX
Financial Services › Credit Services
CONSOLIDATING DOWN
46
Fundamental
32
Technical
40
Overall

1W -4.88%
1M -9.55%
3M -18.73%
P/E: 275.2 Cap: Small
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Moneyboxx falls 23.3% over three months and has not found a floor yet. Razor-thin margins below 5% make profitability extremely vulnerable — this business needs scale or pricing power urgently. Revenue consistency is the one bright spot — zero dips in five years shows operational resilience. Sellers drive 1.9x the volume of buyers. Furthermore, they controlled 15 of recent sessions versus 13 for buyers — a clear distribution signal. Revenue grows at 59.7% yet the PEG reaches 99.00 — expensive for that growth. Furthermore, the stock drops 23.3% in three months. Neither value nor momentum supports this setup. It needs an earnings beat or a price reset first. Check Fundamentals of Moneyboxx Finance Limited.

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