NSE
BSEThe Quarter story
The two most recent quarterly results, compared side-by-side.
PTC India Financial Services is deleveraging and strengthening capital buffers, but shrinking loan books and compressing margins are weighing on profits.
Capital Adequacy Ratio rose from 64.96% to 68.91% from Q1 FY26 to Q1 FY27 — maintaining strong regulatory capital buffers
Profit after tax slid from ₹136.63 Cr to ₹40.24 Cr from Q1 FY26 to Q1 FY27 — highlighting sustained bottom-line pressure
Cost of Funds fell from 9.67% to 9.26% over five quarters — improving funding efficiency
Loan disbursements dropped from ₹138 Cr to ₹117 Cr over five quarters — signaling a sharp pipeline slowdown
Debt Equity Ratio dropped from 0.87x to 0.49x from Q1 FY26 to Q1 FY27 — showing steady deleveraging
Return on Net Worth fell from 19.36% to 5.19% from Q1 FY26 to Q1 FY27 — confirming weakening capital returns
Net Stage III Accounts fell from ₹167 Cr to ₹47 Cr over five quarters — confirming resolved credit stress
Lending spread compressed from 1.38% to 0.88% over five quarters — squeezing core margins
Thermal portfolio share grew from 5% to 13% from Q1 FY26 to Q1 FY27 — reflecting strategic sector expansion
Cost to Income Ratio rose from 14.56% to 19.89% from Q1 FY26 to Q1 FY27 — reflecting persistent operational cost pressures
