PTC India Financial Services quarterly results

Q2 FY27 · Jul–Sep 2026

₹ crore	Q2 FY27	Q2 FY26	Change
Total income	114	132	−13.8%
Net interest income	54.3	72.3	−24.9%
Net profit	44.0	88.1	−50.0%
EPS	₹0.69	₹1.37	−49.6%

Every quarter

₹ crore except per share

Tap a line for its trend	Q2 FY27Sep 2026	Q1 FY27Jun 2026	Q4 FY26Mar 2026	Q3 FY26Dec 2025	Q2 FY26Sep 2025	Q1 FY26Jun 2025	Q4 FY25Mar 2025	Q3 FY25Dec 2024	Q2 FY25Sep 2024	Q1 FY25Jun 2024	Q4 FY24Mar 2024	Q3 FY24Dec 2023	Earlier quartersAlpha Plus

Expenses
Revenue from operations													Earlier quartersEvery year the company has filed comes with Alpha Plus.
	88.4	87.2	109	110	130	137	147	157	160	160	174	200
	7.0	1.4	1.4	0.1	0.1	2.6	1.2	0.9	1.6	0.7	1.3	3.5
	13.2	13.9	8.2	10.8	0.2	1.5	2.1	0.0	0.0	0.0	0.0	0.0
	1.6	0.8	0.6	0.8	1.7	1.2	0.6	0.4	1.8	0.9	1.3	0.7
	110	103	119	122	132	142	151	158	163	161	176	204
	3.5	0.0	0.0	3.3	0.0	0.3	4.6	0.1	0.0	0.0	0.5	0.0
	114	103	119	125	132	142	155	158	163	161	177	204
	34.1	38.5	43.9	57.6	57.6	65.3	71.7	78.1	83.1	88.2	92.1	103
	0.4	0.7	0.3	0.6	0.4	0.0	0.1	0.3	0.0	0.0	0.3	0.1
	0.0	0.0	0.0	0.0	0.0	0.0	−2.3	3.8	−0.2	−1.3	0.2	0.0
	51.2	−3.8	0.1	−12.7	−56.9	−81.6	−3.4	−18.7	6.2	4.8	52.6	8.4
	5.5	6.7	5.2	6.4	6.1	5.3	4.4	4.7	4.4	5.0	5.2	5.2
	1.7	1.7	1.8	1.9	1.9	1.8	1.8	1.6	1.6	1.6	1.6	1.8
	3.8	5.3	6.1	4.7	5.2	5.0	7.8	7.6	5.0	3.6	5.7	18.6
	96.7	49.1	57.5	58.4	14.2	−4.1	80.1	77.5	100	102	158	137
	54.3	48.7	65.0	52.4	72.3	71.3	75.1	78.6	76.9	71.5	81.8	97.3
	68.2	50.5	61.7	53.9	60.7	64.7	71.8	62.0	69.6	64.1	71.9	75.9
Profit
	17.0	54.3	61.6	66.6	118	146	75.1	80.7	63.4	59.3	19.3	67.5
	0.0	0.0	0.0	−2.4	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0
	17.0	54.3	61.6	64.2	118	146	75.1	80.7	63.4	59.3	19.3	67.5
	−28.1	12.1	15.5	13.1	−17.8	17.8	6.2	6.2	16.1	14.6	18.8	0.2
	1.1	1.9	0.6	2.0	47.3	−8.1	10.7	7.3	−0.0	0.4	−13.4	16.9
	−27.0	14.0	16.1	15.1	29.5	9.7	16.9	13.5	16.1	14.9	5.4	17.1
	44.0	40.2	45.5	49.1	88.1	137	58.2	67.1	47.3	44.4	13.8	50.4
	44.0	40.2	45.5	49.1	88.1	137	58.2	67.1	47.3	44.4	13.8	50.4
	0.0	0.2	0.1	1.3	−0.7	−0.3	−0.3	−0.9	−0.3	−0.1	−0.1	−0.4
	44.1	40.4	45.6	50.3	87.5	136	57.9	66.2	47.0	44.3	13.8	50.0
	—	—	45.5	49.1	88.1	—	—	—	—	—	—	—
Per share
	₹0.69	₹0.63	₹0.71	₹0.76	₹1.37	₹2.13	₹0.91	₹1.05	₹0.74	₹0.69	₹0.22	₹0.79
	₹0.69	₹0.63	₹0.71	₹0.76	₹1.37	₹2.13	₹0.91	₹1.05	₹0.74	₹0.69	₹0.22	₹0.79
Other comprehensive income — detail
	0.0	0.2	0.1	1.3	−0.7	−0.3	−0.3	−0.9	−0.3	−0.1	−0.1	−0.4
	0.0	0.2	0.1	0.7	−0.2	−0.1	−0.0	−0.9	−0.1	0.2	0.2	−0.0
	0.0	0.1	0.0	0.2	−0.1	−0.0	0.0	—	—	—	—	—
	—	—	—	—	—	—	—	−0.2	0.0	0.1	0.0	0.0
	—	—	—	1.0	−0.8	−0.3	−0.4	−0.3	—	−0.4	—	—
	—	—	0.0	0.3	−0.2	−0.1	−0.1	—	—	—	—	—
	—	—	—	—	—	—	—	−0.1	0.3	−0.1	0.3	0.4
	—	—	45.5	—	88.1	—	—	—	—	—	—	—
Per share — as-filed variants
	₹0.69	₹0.63	₹0.71	₹0.76	₹1.37	₹2.13	₹0.91	₹1.05	₹0.74	₹0.69	₹0.22	₹0.79
	₹0.69	₹0.63	₹0.71	₹0.76	₹1.37	₹2.13	₹0.91	₹1.05	₹0.74	₹0.69	₹0.22	₹0.79
Adjusted (ex-exceptional items) — derived
	17.0	54.3	61.6	66.6	118	146	75.1	80.7	63.4	59.3	19.3	67.5
	0.0	0.0	0.0	−2.4	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0
	44.0	40.2	45.5	50.9	88.1	137	58.2	67.1	47.3	44.4	13.8	50.4
	₹0.69	₹0.63	₹0.71	₹0.79	₹1.37	₹2.13	₹0.91	₹1.05	₹0.74	₹0.69	₹0.22	₹0.79

Open the chart

From the company's filings with NSE and BSE (Ind-AS), consolidated. For information only, not investment advice.

alphave

PFS₹23.84

PTC India Financial Services Limited

· Banking & Finance

Annual Quarterly₹ CrorePeersARMANFIN UGROCAP MUFIN FINKURVE CREST CIFL LAXMIINDIA MANBAMcap ₹1,531 Cr

View

In ₹ Crore except Per Share 3 Months Ending	Q3 FY24 31/12/2023	Q4 FY24 31/03/2024	Q1 FY25 30/06/2024	Q2 FY25 30/09/2024	Q3 FY25 31/12/2024	Q4 FY25 31/03/2025	Q1 FY26 30/06/2025	Q2 FY26 30/09/2025	Q3 FY26 31/12/2025	Q4 FY26 31/03/2026	Q1 FY27 30/06/2026	Q2 FY27 30/09/2026
Revenue from Operations
+ Interest Income	200.0	173.9	159.7	160.0	156.7	146.8	136.7	129.9	110.1	109.0	87.2	88.4
+ Fees & Commission Income	3.5	1.3	0.7	1.6	0.9	1.2	2.6	0.1	0.1	1.4	1.4	7.0
+ Net Gain on Fair Value Changes	0.0	0.0	0.0	0.0	0.0	2.1	1.5	0.2	10.8	8.2	13.9	13.2
+ Sale of Services	0.7	1.3	0.9	1.8	0.4	0.6	1.2	1.7	0.8	0.6	0.8	1.6
Revenue from Operations	204.3	176.5	161.2	163.4	158.1	150.7	141.9	131.8	121.7	119.1	103.3	110.2
Other Income	0.0	0.5	0.0	0.0	0.1	4.6	0.3	0.0	3.3	0.0	0.0	3.5
Total Income	204.3	176.9	161.2	163.4	158.1	155.2	142.2	131.9	125.0	119.1	103.3	113.7
Expenses
+ Finance Costs	102.7	92.1	88.2	83.1	78.1	71.7	65.3	57.6	57.6	43.9	38.5	34.1
+ Fees & Commission Expense	0.1	0.3	0.0	0.0	0.3	0.1	0.0	0.4	0.6	0.3	0.7	0.4
+ Net Loss on Fair Value Changes	0.0	0.2	-1.3	-0.2	3.8	-2.3	0.0	0.0	0.0	0.0	0.0	0.0
+ Impairment on Financial Instruments	8.4	52.6	4.8	6.2	-18.7	-3.4	-81.6	-56.9	-12.7	0.1	-3.8	51.2
+ Employee Benefit Expense	5.2	5.2	5.0	4.4	4.7	4.4	5.3	6.1	6.4	5.2	6.7	5.5
+ Depreciation & Amortisation	1.8	1.6	1.6	1.6	1.6	1.8	1.8	1.9	1.9	1.8	1.7	1.7
+ Other Expenses	18.6	5.7	3.6	5.0	7.6	7.8	5.0	5.2	4.7	6.1	5.3	3.8
Total Expenses	136.8	157.7	101.9	100.0	77.5	80.1	-4.1	14.2	58.4	57.5	49.1	96.7
Net Interest Income	97.3	81.8	71.5	76.9	78.6	75.1	71.3	72.3	52.4	65.0	48.7	54.3
Pre-provision Operating Profit (derived)	75.9	71.9	64.1	69.6	62.0	71.8	64.7	60.7	53.9	61.7	50.5	68.2
Profit
PBT before Exceptional Items	67.5	19.3	59.3	63.4	80.7	75.1	146.3	117.6	66.6	61.6	54.3	17.0
+ Exceptional Items	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	-2.4	0.0	0.0	0.0
Pretax Income	67.5	19.3	59.3	63.4	80.7	75.1	146.3	117.6	64.2	61.6	54.3	17.0
+ Current Tax	0.2	18.8	14.6	16.1	6.2	6.2	17.8	-17.8	13.1	15.5	12.1	-28.1
+ Deferred Tax	16.9	-13.4	0.4	-0.0	7.3	10.7	-8.1	47.3	2.0	0.6	1.9	1.1
Tax Expense	17.1	5.4	14.9	16.1	13.5	16.9	9.7	29.5	15.1	16.1	14.0	-27.0
Net Income	50.4	13.8	44.4	47.3	67.1	58.2	136.6	88.1	49.1	45.5	40.2	44.0
+ Net Income — Continuing Ops	50.4	13.8	44.4	47.3	67.1	58.2	136.6	88.1	49.1	45.5	40.2	44.0
+ Other Comprehensive Income	-0.4	-0.1	-0.1	-0.3	-0.9	-0.3	-0.3	-0.7	1.3	0.1	0.2	0.0
Total Comprehensive Income	50.0	13.8	44.3	47.0	66.2	57.9	136.4	87.5	50.3	45.6	40.4	44.1
Net Income to Common	—	—	—	—	—	—	—	88.1	49.1	45.5	—	—
Per Share
Basic EPS	0.79	0.22	0.69	0.74	1.05	0.91	2.13	1.37	0.76	0.71	0.63	0.69
Diluted EPS	0.79	0.22	0.69	0.74	1.05	0.91	2.13	1.37	0.76	0.71	0.63	0.69
Other Comprehensive Income — detail
+ Other Comprehensive Income	-0.4	-0.1	-0.1	-0.3	-0.9	-0.3	-0.3	-0.7	1.3	0.1	0.2	0.0
+ Items NOT to be Reclassified to P&L	-0.0	0.2	0.2	-0.1	-0.9	-0.0	-0.1	-0.2	0.7	0.1	0.2	0.0
+ Tax on Items NOT to be Reclassified	—	—	—	—	—	0.0	-0.0	-0.1	0.2	0.0	0.1	0.0
+ Tax on Items NOT to be Reclassified — alt tag	0.0	0.0	0.1	0.0	-0.2	—	—	—	—	—	—	—
+ Items to be Reclassified to P&L	—	—	-0.4	—	-0.3	-0.4	-0.3	-0.8	1.0	—	—	—
+ Tax on Items to be Reclassified	—	—	—	—	—	-0.1	-0.1	-0.2	0.3	0.0	—	—
+ Tax on Items to be Reclassified — alt tag	0.4	0.3	-0.1	0.3	-0.1	—	—	—	—	—	—	—
Comprehensive Income — Owners of Parent	—	—	—	—	—	—	—	88.1	—	45.5	—	—
Per Share — as-filed variants
Basic EPS — Continuing Operations	0.79	0.22	0.69	0.74	1.05	0.91	2.13	1.37	0.76	0.71	0.63	0.69
Diluted EPS — Continuing Operations	0.79	0.22	0.69	0.74	1.05	0.91	2.13	1.37	0.76	0.71	0.63	0.69
Adjusted (ex-Exceptional Items) — derived
Pretax Income (Adjusted, as filed)	67.5	19.3	59.3	63.4	80.7	75.1	146.3	117.6	66.6	61.6	54.3	17.0
− Exceptional Items (reconciliation)	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	-2.4	0.0	0.0	0.0
Net Income Adj (tax-effected)	50.4	13.8	44.4	47.3	67.1	58.2	136.6	88.1	50.9	45.5	40.2	44.0
EPS Adj	0.79	0.22	0.69	0.74	1.05	0.91	2.13	1.37	0.79	0.71	0.63	0.69
Other Filed Concepts — mapped but not yet placed in the schedule
Face Value	10.00	10.00	10.00	10.00	10.00	10.00	10.00	10.00	10.00	10.00	10.00	10.00
Filed Debt Equity	2.00	2.00	1.00	1.00	1.00	103.00	0.87	0.76	0.66	0.57	0.49	0.45
Filed Dscr	3.00	3.00	—	—	—	—	—	0.00	0.00	—	—	—
Filed Iscr	2.00	2.00	—	—	—	—	—	0.00	0.00	—	—	—
Paid Up Equity Capital	642.3	642.3	642.3	642.3	642.3	642.3	642.3	642.3	642.3	642.3	642.3	642.3

As filed, sign as filed — read the label, not the sign. A line appears only when the company tagged that concept in at least one period shown, so depth follows the filer: pre-Ind-AS, insurance and NBFC blocks stay hidden unless they were actually reported. Alternate tags for the same idea (e.g. two spellings of a deferred-tax element) are kept as separate lines rather than merged, because merging them would be a guess. Ratios, per-share figures and counts render as raw numbers, not ₹ Crore. No consensus estimates → no Est columns. Click any row to chart it.

« ‹ › »Latest: Q2 FY27 · ConsolidatedFA Financial Analysis · alphave

Data & compliance. Descriptive financial information from official NSE/BSE filings — for information and education only, not investment advice, a recommendation, or a valuation. Standalone = parent entity; consolidated includes subsidiaries. Historical multiples pair each fiscal year's filed figures with that FY-end market close; the Current column uses the last close with the latest filed annuals. Figures are cross-verified via accounting identities and NSE×BSE agreement — XBRL cross-verified ✓ 95%.

PTC India Financial Services Q2 FY27 results (July–September 2026)

Filed with NSE on Tuesday, 27 October 2026 at 5:25 pm IST

PTC India Financial Services (NSE: PFS) reported its Q2 FY27 results (July–September 2026) on Tuesday, 27 October 2026 at 5:25 pm IST. Consolidated net profit was ₹44 crore, down 50.0% from ₹88.1 crore in Q2 FY26 and up 9.4% from ₹40.2 crore in Q1 FY27. Revenue from operations was ₹110 crore, down 16.4% year on year and up 6.7% from the previous quarter.

Q2 FY26 results (a year earlier): 23 October 2025
Q3 FY27 results due by: 14 February 2027

Q2 FY27 at a glance · consolidated

Net profit: ₹44 Cr−50.0% vs Q2 FY26+9.4% vs Q1 FY27
Revenue from operations: ₹110 Cr−16.4% vs Q2 FY26+6.7% vs Q1 FY27
Earnings per share (basic): ₹0.69−49.6% vs Q2 FY26+9.5% vs Q1 FY27
Net profit margin: 40.0%−26.9 pts vs Q2 FY26+1.0 pts vs Q1 FY27

Questions

What was PTC India Financial Services' net profit in Q2 FY27?

Consolidated net profit was ₹44 crore, down 50.0% from ₹88.1 crore in Q2 FY26 and up 9.4% from ₹40.2 crore in Q1 FY27.

What was PTC India Financial Services' revenue in Q2 FY27?

Revenue from operations was ₹110 crore, down 16.4% year on year and up 6.7% from the previous quarter.

How were PTC India Financial Services' Q2 FY27 results?

Both fell from a year earlier: net profit was down 50.0% at ₹44 crore and revenue was down 16.4% at ₹110 crore. Against Q1 FY27, net profit was up 9.4% and revenue up 6.7%.

What was PTC India Financial Services' EPS in Q2 FY27?

Basic earnings per share were ₹0.69, against ₹1.37 in Q2 FY26.

What was PTC India Financial Services' net profit in the first half of FY27?

Consolidated net profit for the first half of FY27 (April–September 2026) was ₹84.3 crore, down 62.5% from ₹225 crore in the same months a year earlier. Revenue from operations was ₹214 crore, down 22.0%.

When did PTC India Financial Services announce its Q2 FY27 results?

On Tuesday, 27 October 2026 at 5:25 pm IST, in its results filing to the stock exchanges. A year earlier it reported Q2 FY26 on 23 October 2025.

What is PTC India Financial Services' net profit margin?

PTC India Financial Services' net profit margin was 40.0% in Q2 FY27 (net profit as a share of revenue from operations), against 66.9% in Q2 FY26 (down 26.9 percentage points). For FY26 as a whole it was 62.1%.

What was PTC India Financial Services' net profit in FY26?

Consolidated net profit was ₹319 crore in FY26 (April 2025–March 2026), up 47.1% from ₹217 crore in FY25. It was ₹161 crore in FY24 and ₹176 crore in FY23: up 81.7% over three years, 22.0% a year on average.

What was PTC India Financial Services' revenue in FY26?

Revenue from operations was ₹515 crore in FY26 (April 2025–March 2026), down 18.8% from ₹633 crore in FY25. It was ₹761 crore in FY24 and ₹791 crore in FY23: down 34.9% over three years, an average fall of 13.3% a year.

How has PTC India Financial Services' profit changed over the last four quarters?

Net profit by quarter: ₹49.1 crore in Q3 FY26, ₹45.5 crore in Q4 FY26, ₹40.2 crore in Q1 FY27 and ₹44 crore in Q2 FY27. That is ₹179 crore over the four quarters, down 48.9% from ₹350 crore in the four quarters before. Revenue from operations: ₹122 crore, ₹119 crore, ₹103 crore and ₹110 crore.

When will PTC India Financial Services announce its Q3 FY27 results?

Q3 FY27 covers October–December 2026. Listed companies must publish quarterly results within 45 days of the quarter's end (SEBI listing rules, Regulation 33), so the results are due by 14 February 2027. The company tells the exchanges the date of the board meeting at least two working days before it.

Where do these PTC India Financial Services figures come from?

From PTC India Financial Services' own consolidated results filings to NSE, in ₹ crore as filed (Q2 FY27 on 27 October 2026). Growth compares the same consolidated figures a year and a quarter earlier.

Consolidated figures from the company's filings to NSE. Every company's results dates this season are in the Q2 FY27 results calendar, part of Alpha Plus.