AI-generated · cited to primary sources · not investment advice
Power Fin.Corpn. (532810) Nov 2025 Filing Analysis
Does management do what it says?
PFC achieved a double-digit loan asset growth of 12.81% on a standalone basis and 12% on a consolidated basis for FY25, closely aligning with the prior year's growth trajectory. (5 met across 5 tracked commitments)
“The spread and NIM continue to be within our guided range at 2.55% and 3.62% respectively.”
PFC is reviewing the RBI draft circular on risk weights for infrastructure exposures to understand implications for the CRAR calculation.
“So, we are currently reviewing the draft circular in detail to understand its implications across different portfolios.”
See the full cited Management analysis of Power Fin.Corpn.
What could break the thesis?
STABLE. While repayments are high (Rs. 85,000-90,000 cr annually), management views this as routine staggered maturity rather than a sudden spike in competitive refinancing, though they admit to negotiating on terms to 'arrest' prepayments. (1 stable, 1 easing)
“we are trying our best to arrest the prepayments in our loan book, but the terms and conditions are to be in line with the market expectation... they would like to negotiate on the interest rate.”
See the full cited Risk analysis of Power Fin.Corpn.
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