PTC India Financial Services Limited (PFS), a subsidiary of PTC India Limited, has shared its audited financial results for the quarter and fiscal year ending March 31, 2025. The company reported a total income of ₹638 crore for FY25, demonstrating strong growth compared to the previous year. Their focus on providing innovative, sustainable financing solutions across key infrastructure sectors, including renewable energy, electric vehicle mobility, water treatment, and more, continues to drive their financial performance.

Financial Highlights:
For FY25, the company saw impressive growth across multiple financial metrics. Loan assets reached ₹4,746 crore, while the Profit After Tax (PAT) stood at ₹217 crore, marking a significant year-on-year increase. The company's total income for the year was ₹638 crore, reflecting a well-balanced approach to portfolio diversification and customer-centric solutions.

In terms of profitability, the company reported a Return on Assets (RoA) of 3.56%, improving significantly from the previous year's 2.27%. Their disbursements for FY25 grew by 56%, showcasing an increase in business traction. Furthermore, loan sanctions saw a 57% year-on-year growth, reinforcing PFS's expanding presence in the infrastructure financing space.

Key Operational Updates:

• The company maintains a diversified portfolio with a 90% share of private sector proposals, indicating strong growth potential in private infrastructure financing.

• PFS is strategically reducing its portfolio concentration by focusing on smaller ticket size loans, which aligns with their long-term business plan to de-risk the portfolio.

• The company continues to resolve legacy issues, with significant progress in the resolution of stressed assets, especially in four key accounts which make up 96% of stressed assets.

Strategic Transformation:
The FY25 was a year of transformation for PTC India Financial Services, with a clear focus on internal process improvements and leadership strengthening. The company worked on enhancing governance, risk management systems, and employee engagement. The recruitment of new leadership, including a full-time MD & CEO and CFO, underscores PFS's commitment to improving operational efficiency and building resilience.

Looking forward, the company’s vision for FY26 and beyond is to drive growth by focusing on sustainable infrastructure projects and improving asset quality. The company’s key transformation pillars include stringent underwriting, a granular and diversified lending book, and an increased focus on ESG (Environmental, Social, and Governance) goals.

Future Outlook:
PTC India Financial Services plans to continue growing its footprint in the infrastructure space by focusing on new-age sectors like renewable energy, water treatment, electric vehicle mobility, and waste management. Their focus on distributed infrastructure and smaller, scalable projects will further help them manage portfolio risks and diversify their business model. Moreover, with an outlook revision from “Negative” to “Stable” by ICRA, the company’s credit rating is reflective of its steady recovery and resilience in navigating economic challenges.

The future blueprint for the company also includes increased emphasis on digital transformation, customer-centric financing solutions, and a broader focus on sustainability in all its projects.

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