PTC India Financial Services Limited

BSE: PFS533344ISIN INE560K01014

Financial Services
Non Banking Financial Company (NBFC)
BSE Financial Services

Share price

₹24.81+0.24 (+0.98%)

as of 4 Nov 2026

Prices adjusted for splits and bonuses; cash dividends excluded. Volume shows actual shares traded.

52W high: ₹37.00
52W low: ₹23.18
Off 52W high: -32.95%
1M return: -11.99%
3M return: -14.00%
6M return: -18.68%
1Y return: -31.50%
20D avg volume: 82,642
50 DMA: ₹26.49
200 DMA: ₹29.30

Key ratios Consolidated

Market cap: ₹1,594 Cr
Current price: ₹24.81
52W high / low: ₹37.00 / ₹23.18
Face value: ₹10.00
P/E: 8.91
P/B: 0.50
EPS (TTM): ₹2.78
Book value / share: ₹49.26
ROE: —
ROCE: —
Operating margin: —
Net margin: —
Debt / equity: 0.57
Net debt: ₹1,687 Cr
Interest cover: 2.74
Dividend yield: —
Dividend / share (TTM): —
Payout: —
Cash conversion cycle: —

Financials

Metric	Q2 FY27	Q1 FY27	Q4 FY26	Q3 FY26	Q2 FY26	Q1 FY26	Q4 FY25	Q3 FY25	Q2 FY25	Q1 FY25	Q4 FY24	Q3 FY24
Income statement
	110.19	103.31	119.08	121.74	131.84	141.91	150.68	158.07	163.40	161.22	176.46	204.32
	3.48	0.00	0.03	3.30	0.02	0.33	4.56	0.05	0.01	0.01	0.45	0.00
	113.67	103.31	119.11	125.04	131.86	142.24	155.24	158.12	163.41	161.23	176.92	204.32
	96.65	49.06	57.52	58.44	14.23	-4.07	80.13	77.45	100.00	101.89	157.65	136.84
	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
	5.53	6.65	5.24	6.38	6.05	5.33	4.36	4.70	4.36	5.04	5.18	5.20
	34.10	38.50	43.94	57.64	57.57	65.34	71.70	78.11	83.09	88.16	92.12	102.75
	1.71	1.70	1.84	1.88	1.88	1.83	1.79	1.62	1.57	1.58	1.61	1.78
	3.77	5.30	6.05	4.66	5.20	4.99	7.83	7.60	4.95	3.63	5.70	18.58
	17.02	54.25	61.59	66.60	117.63	146.31	75.11	80.67	63.41	59.34	19.27	67.48
	0.00	0.00	0.00	-2.43	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
	17.02	54.25	61.59	64.17	117.63	146.31	75.11	80.67	63.41	59.34	19.27	67.48
	-27.02	14.01	16.09	15.08	29.49	9.68	16.94	—	—	—	—	—
	44.04	40.24	45.50	49.09	88.14	136.63	58.17	67.15	47.34	44.40	13.85	50.37
	0.69	0.63	0.71	0.76	1.37	2.13	0.91	1.05	0.74	0.69	0.22	0.79
Key metrics
	—	—	—	—	—	—	—	160.40	148.07	149.08	113.00	172.01
	—	—	—	—	—	—	—	101.50%	90.60%	92.50%	64.00%	84.20%
	40.00%	39.00%	38.20%	40.30%	66.90%	96.30%	38.60%	42.50%	29.00%	27.50%	7.80%	24.70%
	-16.40%	-27.20%	-21.00%	-23.00%	-19.30%	-12.00%	-14.60%	-22.60%	—	—	—	—
	-50.00%	-70.50%	-21.80%	-26.90%	86.20%	207.70%	320.00%	33.30%	—	—	—	—

Metric	TTM	FY26	FY25	FY24	FY23	FY22
Income statement
	454.32	514.57	633.37	760.78	790.88	952.88
	6.81	3.68	4.63	15.50	6.20	15.86
	461.13	518.25	638.00	776.28	797.08	968.74
	261.67	126.12	359.48	560.30	564.71	794.83
	0.00	0.00	0.00	0.00	0.00	0.00
	0.00	0.00	0.00	0.00	0.00	0.00
	23.80	23.00	18.46	20.59	19.63	18.93
	174.18	224.49	321.06	409.99	431.91	579.77
	7.13	7.43	6.56	6.48	6.08	6.07
	19.78	20.90	24.02	34.87	20.50	—
	199.46	392.13	278.52	215.98	232.37	173.91
	-2.43	-2.43	0.00	0.00	0.00	0.00
	197.03	389.70	278.52	215.98	232.37	173.91
	18.16	70.34	61.47	—	—	—
	178.87	319.36	217.05	160.75	175.81	129.99
	2.79	4.97	3.38	2.50	2.74	2.02
Key metrics
	—	—	—	632.45	670.36	759.75
	—	—	—	83.10%	84.80%	79.70%
	39.37%	62.10%	34.30%	21.10%	22.20%	13.60%
	-22.01%	-18.80%	-16.70%	-3.80%	-17.00%	—
	-48.91%	47.10%	35.00%	-8.60%	35.20%	—
	—	1,780	1,136	—	—	—
	—	5.57	5.25	—	—	—
	—	0.57	1.00	—	—	—
	—	1,687	2,001	—	—	—
Balance sheet
	—	4,956	5,683	—	—	—
	—	61.30	762.52	—	—	—
	—	0.82	0.49	—	—	—
	—	0.00	0.00	—	—	—
	—	14.94	21.69	—	—	—
	—	1,749	2,764	—	—	—
	—	3,080	2,754	—	—	—
Cash flow
	—	1,780	1,139	—	—	—
	—	-1,165	775.67	—	—	—
	—	-1,316	-1,383	—	—	—
	—	0.31	2.87	—	—	—

Metric	Q2 FY27	Q1 FY27	Q4 FY26	Q3 FY26	Q2 FY26	Q1 FY26	Q4 FY25	Q3 FY25	Q2 FY25	Q1 FY25	Q4 FY24	Q3 FY24
Income statement
	110.19	103.31	119.08	121.74	131.84	141.91	150.68	158.07	163.40	161.22	176.46	204.32
	3.48	0.00	0.03	3.30	0.02	0.33	4.56	0.05	0.01	0.01	0.45	0.00
	113.67	103.31	119.11	125.04	131.86	142.24	155.24	158.12	163.41	161.23	176.92	204.32
	96.65	49.06	57.52	58.44	14.23	4.07	80.13	77.45	100.00	101.89	157.65	136.84
	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
	5.53	6.65	5.24	6.38	6.05	5.33	4.36	4.70	4.36	5.04	5.18	5.20
	34.10	38.50	43.94	57.64	57.57	65.34	71.70	78.11	83.09	88.16	92.12	102.75
	1.71	1.70	1.84	1.88	1.88	1.83	1.79	1.62	1.57	1.58	1.61	1.78
	3.77	5.30	6.05	4.66	5.20	4.99	7.83	7.60	4.95	3.63	5.70	18.58
	17.02	54.25	61.59	66.60	117.63	146.31	75.11	80.67	63.41	59.34	19.27	67.48
	0.00	0.00	0.00	-2.43	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
	17.02	54.25	61.59	64.17	117.63	146.31	75.11	80.67	63.41	59.34	19.27	67.48
	-27.02	14.01	16.09	15.08	29.49	9.68	16.94	—	—	—	—	—
	44.04	40.24	45.50	49.09	88.14	136.63	58.17	67.15	47.34	44.40	13.85	50.37
	0.69	0.63	0.71	0.76	1.37	2.13	0.91	1.05	0.74	0.69	0.22	0.79
Key metrics
	—	—	—	—	—	—	—	160.40	148.07	149.08	113.00	172.01
	—	—	—	—	—	—	—	101.50%	90.60%	92.50%	64.00%	84.20%
	40.00%	39.00%	38.20%	40.30%	66.90%	96.30%	38.60%	42.50%	29.00%	27.50%	7.80%	24.70%
	-16.40%	-27.20%	-21.00%	-23.00%	-19.30%	-12.00%	-14.60%	-22.60%	—	—	—	—
	-50.00%	-70.50%	-21.80%	-26.90%	86.20%	207.70%	320.00%	33.30%	—	—	—	—

Metric	TTM	FY26	FY25	FY24	FY23	FY22
Income statement
	454.32	514.57	633.37	760.78	790.88	952.88
	6.81	3.68	4.63	15.50	6.20	15.86
	461.13	518.25	638.00	776.28	797.08	968.74
	261.67	126.12	359.48	560.30	564.71	794.83
	0.00	0.00	0.00	0.00	0.00	0.00
	0.00	0.00	0.00	0.00	0.00	0.00
	23.80	23.00	18.46	20.59	19.63	18.93
	174.18	224.49	321.06	409.99	431.91	579.77
	7.13	7.43	6.56	6.48	6.08	6.07
	19.78	20.90	24.02	34.87	20.50	—
	199.46	392.13	278.52	215.98	232.37	173.91
	-2.43	-2.43	0.00	0.00	0.00	0.00
	197.03	389.70	278.52	215.98	232.37	173.91
	18.16	70.34	61.47	—	—	—
	178.87	319.36	217.05	160.75	175.81	129.99
	2.79	4.97	3.38	2.50	2.74	2.02
Key metrics
	—	—	—	632.45	670.36	759.75
	—	—	—	83.10%	84.80%	79.70%
	39.37%	62.10%	34.30%	21.10%	22.20%	13.60%
	-22.01%	-18.80%	-16.70%	-3.80%	-17.00%	—
	-48.91%	47.10%	35.00%	-8.60%	35.20%	—
	—	1,780	1,136	—	—	—
	—	5.57	5.25	—	—	—
	—	0.57	1.00	—	—	—
	—	1,687	2,001	—	—	—
Balance sheet
	—	4,956	5,683	—	—	—
	—	61.30	762.52	—	—	—
	—	0.82	0.49	—	—	—
	—	0.00	0.00	—	—	—
	—	14.94	21.69	—	—	—
	—	1,749	2,764	—	—	—
	—	3,080	2,754	—	—	—
Cash flow
	—	1,780	1,139	—	—	—
	—	-1,165	775.67	—	—	—
	—	-1,316	-1,383	—	—	—
	—	0.31	2.87	—	—	—

Compounded growth

Standalone

Sales CAGR 3Y: -13.35%
Sales CAGR 5Y: —
Profit CAGR 3Y: +22.01%
Profit CAGR 5Y: —
Sales YoY (TTM): -22.01%
Profit YoY (TTM): -48.91%

Consolidated

Sales CAGR 3Y: -13.35%
Sales CAGR 5Y: —
Profit CAGR 3Y: +22.01%
Profit CAGR 5Y: —
Sales YoY (TTM): -22.01%
Profit YoY (TTM): -48.91%

Compounded from reported annual figures. We publish no share-price CAGR: our prices are as-traded, so one would be wrong across every split and bonus issue.

Shareholding as of 30 Sep 2026

Promoter holding: 64.99%

Holder	Type	Holding	Previous	Change
PTC INDIA LIMITED	Promoter	64.99%	—	—
BANDHAN LARGE & MID CAP FUND	Public	3.63%	—	—
LIFE INSURANCE CORPORATION OF INDIA	Public	1.41%	—	—

Public shareholders are disclosed individually only above 1%.

Peer comparison

Company	Mkt cap (₹ Cr)	Price (₹)	P/E	ROCE	Sales YoY	Profit YoY	1Y return
Bajaj Finance Limited	6,18,269	993.05	28.02	—	+18.82% TTM	+18.85% TTM	-6.05%
Shriram Finance Limited	2,13,119	905.70	16.80	—	+13.76% TTM	+28.60% TTM	+13.74%
Tata Capital Limited	1,43,392	337.80	23.16	—	—	—	+2.57%
Cholamandalam Investment and Finance Company Ltd	1,42,265	1,659.05	22.87	—	+21.13% TTM	+33.94% TTM	-5.48%
MUTHOOT FINANCE LIMITED	1,08,792	2,709.85	8.83	—	+47.27% TTM	+70.66% TTM	-15.07%
L&T Finance Limited	66,033	263.45	19.22	—	+20.11% TTM	+27.39% TTM	-5.93%
SBI CARDS AND PAYMENT SERVICES LIMITED S	52,626	553.00	20.18	—	+5.81% TTM	+35.96% TTM	-37.17%
Piramal Finance Limited	45,975	1,942.90	24.08	—	—	—	—
SUNDARAM FINANCE LTD	44,403	3,996.55	27.42	—	—	—	-16.26%
Authum Investment & Infrastructure Limited	43,913	517.10	25.16	—	-24.30% TTM	-56.50% TTM	-10.17%
HDB FINANCIAL SERVICES LIMITED S	42,098	506.65	14.22	—	—	—	-30.70%
POONAWALLA FINCORP LIMITED	41,349	469.55	38.02	—	+75.12% TTM	+399.21% TTM	-0.70%
Mahindra & Mahindra Financial Services Limited	37,542	270.05	10.42	—	+14.94% TTM	+45.99% TTM	-15.21%
Manappuram Finance Limited	29,495	314.00	20.41	—	+4.79% TTM	+85.35% TTM	+17.85%
IIFL FINANCE LIMITED	24,697	578.65	9.35	—	+35.37% TTM	+157.78% TTM	+7.38%
Capri Global Capital Limited	23,121	240.30	17.65	—	+52.88% TTM	+82.77% TTM	+21.89%
Five-Star Business Finance Ltd. S	11,724	397.15	10.50	—	+8.28% TTM	+1.05% TTM	-39.17%
SBFC Finance Limited	9,820	88.32	28.37	—	+28.23% TTM	+45.63% TTM	-24.80%
PAISALO DIGITAL LIMITED	7,279	77.43	27.42	—	+23.60% TTM	+27.97% TTM	+101.17%
Bengal & Assam Company Limited	6,477	5,680.00	8.29	—	+12.05% TTM	+3.26% TTM	-25.74%
Fedbank Financial Services Limited S	5,923	157.85	13.66	—	+21.29% TTM	+76.56% TTM	+10.46%
Mrugesh Trading Ltd. S	5,665	78.41	—	-0.30%	+21.12% TTM	+94.74% TTM	+3,464.09%
SG FINSERVE LIMITED S	4,670	708.75	24.95	—	+104.57% TTM	+86.47% TTM	+85.76%
MAS Financial Services Limited	4,607	253.90	10.89	—	+22.72% TTM	+23.77% TTM	-19.01%
Northern Arc Capital Ltd.	4,481	276.95	9.38	—	+29.02% TTM	+70.21% TTM	+0.64%
PTC India Financial Services Limited	1,594	24.81	8.91	—	-22.01% TTM	-48.91% TTM	-31.50%

Filings & corporate actions

Recent announcements

Intimation regarding change in the Corporate Office Address of the Registrar and Share Transfer Agent (RTA) of the Company3 Nov 2026 · Company Update / General
Submission of transcripts of audio recording of the conference call held on Wednesday, October 28, 2026 at 16:00 (IST) on the financial results for the quarter and half year ended on September ....30 Oct 2026 · Company Update / Earnings Call Transcript
Audio Recording of the Conference Call held on October 28, 2026 at 4:00 PM (IST) on the Financial Results for the quarter and half year ended September 30, 202628 Oct 2026 · Company Update / Analyst / Investor Meet
Newspaper Advertisement of Unaudited Financial Results for the quarter and half year ended September 30, 202628 Oct 2026 · Company Update / Newspaper Publication
Press Release- Financial Performance for the quarter and half year ended September 30, 202627 Oct 2026 · Company Update / Press Release / Media Release
Investor Presentation on the Financial Results for the quarter and half year ended September 30, 2026 pursuant to Regulation 30 of the SEBI (LODR) Regulations, 201527 Oct 2026 · Company Update / Investor Presentation
Outcome of Board Meeting regarding Unaudited Financial Results (both Standalone and Consolidated) for the quarter and half year ended September 30, 202627 Oct 2026 · Board Meeting / Outcome of Board Meeting
Unaudited Financial Results (both Standalone and Consolidated) for the quarter and half year ended September 30, 2026 and Outcome of Board Meeting27 Oct 2026 · Result / Financial Results
Newspaper Advertisement for the Notice of Postal Ballot23 Oct 2026 · Company Update / Newspaper Publication
Intimation under Regulation 30 of SEBI (LODR) Regulations, 2015- Postal Ballot Notice22 Oct 2026 · AGM/EGM / Postal Ballot
Intimation of Schedule of Analysts/ Investors Call (Group Meeting) to be held on Wednesday, October 28, 2026 at 16:00 (IST)14 Oct 2026 · Company Update / Analyst / Investor Meet
PTC India Financial Services Ltdhas informed BSE that the meeting of the Board of Directors of the Company is scheduled on 27/10/2026 ,inter alia, to consider and approve We wish to inform ....13 Oct 2026 · Board Meeting / Board Meeting
Further to disclosure by PTC India Limited, the holding company of the Company on 19th May 2026 to the stock exchanges, regarding its decision to re-initiate the process of exploring opportunities ....12 Oct 2026 · Company Update / General
Extension of term of MD&CEO (Addl. Charge)and extension of term of Company Secretary12 Oct 2026 · Company Update / Change in Management
Statement containing the data related to ISINs for debt securities outstanding as on half year ended 30th September 20265 Oct 2026 · Others / Half Yearly Report (SEBI Circular No. CIR/IMD/DF-1/67/2017)
Certificate under Regulation 74(5) of SEBI (DP) Regulations, 2018 for the quarter ended 30th September 20265 Oct 2026 · Company Update / Certificate under Reg. 74 (5) of SEBI (DP) Regulations, 2018
Intimation of closure of Trading Window25 Sep 2026 · Insider Trading / SAST / Closure of Trading Window
Voting Results and Scrutinizer''s Report for 20th Annual General Meeting held on September 24, 202625 Sep 2026 · AGM/EGM / AGM
Summary of Proceedings of 20th Annual General Meeting held on September 24, 202624 Sep 2026 · AGM/EGM / AGM
Newspaper Advertisement regarding completion of despatch of Notice of 20th Annual General Meeting of the Company25 Aug 2026 · Company Update / Newspaper Publication
Newspaper Advertisement regarding completion of despatch of Notice of 20th Annual General Meeting25 Aug 2026 · Company Update / Newspaper Publication
Annual Report for the Financial Year ended 31st March, 202624 Aug 2026 · Others / Reg. 34 (1) Annual Report
Notice of 20th Annual General Meeting of the Company to be held on Thursday, 24th September 2026 at 12:00 Noon (IST)24 Aug 2026 · AGM/EGM / AGM
Newspaper Advertisement regarding 20th Annual General Meeting scheduled to be held on Thursday, 24th September 2026 at 12:00 P.M.(IST)21 Aug 2026 · Company Update / Newspaper Publication
Intimation of 20th Annual General Meeting of PTC India Financial Services Limited scheduled to be held on Thursday, 24th September 2026 at 12:00 P.M.(IST)20 Aug 2026 · Company Update / General
Submission of transcripts of the Conference Call held on Wednesday, July 29, 2026 at 4:00 PM (IST) on the financial results for the quarter ended June 30, 20263 Aug 2026 · Company Update / Analyst / Investor Meet
Audio Recording of the Conference Call held on July 29, 2026 at 4:00 PM (IST) on the Financial Results for the quarter ended June 30, 202629 Jul 2026 · Company Update / Analyst / Investor Meet
Newspaper Advertisement of Unaudited Financial Results for the quarter ended 30th June 202629 Jul 2026 · Company Update / Newspaper Publication
Investors'' Presentation on the Financial Results for the quarter ended June 30, 202628 Jul 2026 · Company Update / Investor Presentation
Press Release- Financial Performance for the quarter ended June 30, 202628 Jul 2026 · Company Update / Press Release / Media Release
Unaudited Financial Results (both Standalone and Consolidated) for the quarter ended June 30, 2026 and Outcome of Board Meeting28 Jul 2026 · Board Meeting / Outcome of Board Meeting
Unaudited Financial Results (both Standalone and Consolidated) for the quarter ended June 30, 202628 Jul 2026 · Result / Financial Results
Newspaper Advertisement- Notice to shareholders in connection with transfer of equity shares to IEPF25 Jul 2026 · Company Update / Newspaper Publication
Analyst/ Investors call (Group Meeting) to be held on Wednesday, July 29, 2026 at 16:00 (IST)21 Jul 2026 · Company Update / Analyst / Investor Meet
PTC India Financial Services Ltdhas informed BSE that the meeting of the Board of Directors of the Company is scheduled on 28/07/2026 ,inter alia, to consider and approve Intimation for ....21 Jul 2026 · Board Meeting / Board Meeting
Certificate under Regulation 74(5) of SEBI (Depositories and Participants) Regulations, 20187 Jul 2026 · Company Update / Certificate under Reg. 74 (5) of SEBI (DP) Regulations, 2018
Voting Results and Scrutinizer''s Report of Postal Ballot for appointment of Shri Rajiv Malhotra (DIN:2383396) as MD& CEO (Addl. Charge)7 Jul 2026 · AGM/EGM / Postal Ballot
Outcome of Postal Ballot for appointment of Shri Rajiv Malhotra (DIN:2383396) as MD&CEO (Addl. Charge)7 Jul 2026 · AGM/EGM / Postal Ballot
Change of Directors- Reference our communications dated 30th March 2026 and 4th June 20261 Jul 2026 · Company Update / General
Intimation of Closure of Trading Window for the quarter ending June 30, 202624 Jun 2026 · Insider Trading / SAST / Closure of Trading Window

Board meetings

27 Oct 2026 Board Meeting - Financial Results
28 Jul 2026 Board Meeting - Financial Results