Profit before tax rose 27% YoY to Rs 7,764 crore from Rs 6,101 crore in the year-ago quarter.
Total income for the quarter increased 3% to Rs 15,348.23 crore compared with Rs 14,944 crore reported in Q4 FY25. Revenue from operations stood at Rs 15,319 crore, up 3% YoY.
Interest income, which remains the company’s primary revenue driver, rose 1% to Rs 13,925 crore from Rs 13,721 crore a year ago. Dividend income increased 2% to Rs 1,177 crore during the quarter, while fee and commission income surged more than 231% to Rs 217 crore from Rs 65 crore in the corresponding period last year.
On the expenditure side, total expenses declined 10% YoY to Rs 7,584 crore from Rs 8,842 crore in Q4 FY25.
Finance costs increased 8% to Rs 8,403 crore compared with Rs 7,794 crore a year earlier. However, the company reported a sharp reversal in impairment on financial instruments, recording a write-back of Rs 1,382 crore during the quarter against an impairment expense of Rs 444.71 crore in the year-ago period. That significantly supported overall profitability.
Net translation and transaction exchange losses rose to Rs 309 crore from Rs 261 crore in the corresponding quarter last year.For the full financial year FY26, PFC reported net profit of Rs 20,051 crore, up 16% from Rs 17,352 crore in FY25. Annual profit before tax increased 17% to Rs 24,774 crore from Rs 21,172 crore in the previous financial year.
Total income for FY26 rose 10% YoY to Rs 58,541 crore, while revenue from operations increased 10% to Rs 58,504 crore.
Interest income for the full year climbed 10% to Rs 55,073 crore compared with Rs 49,875 crore in FY25. Fee and commission income also rose sharply by 166% to Rs 478 crore. Total annual expenses increased 6% to Rs 33,767 crore from Rs 31,955 crore in FY25.
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