FUSIONNSEQ2 FY26September 30, 2025

Fusion Finance Limited

7,608words
2turns
0analyst exchanges
0executives
Key numbers — 40 extracted
rs,
te hereof. Fusion Finance Limited (the “Company” ) or any of their respective affiliates, shareholders, directors, employees, agents, officers, advisors or representatives (together, “Representatives”) m
₹ 111
ents • • Credit cost continues to decline for the fourth consecutive quarter, dropping down to ₹ 111 Cr in Q2 FY26 from ₹ 693 Cr in Q2 FY25 GNPA further declined to 4.61% Q2 FY26 vs 5.43% in Q1 FY26
₹ 693
ntinues to decline for the fourth consecutive quarter, dropping down to ₹ 111 Cr in Q2 FY26 from ₹ 693 Cr in Q2 FY25 GNPA further declined to 4.61% Q2 FY26 vs 5.43% in Q1 FY26; NNPA at 0.38% • • •
4.61%
quarter, dropping down to ₹ 111 Cr in Q2 FY26 from ₹ 693 Cr in Q2 FY25 GNPA further declined to 4.61% Q2 FY26 vs 5.43% in Q1 FY26; NNPA at 0.38% • • • Net flow forward into PAR0+ stabilized at 0
5.43%
g down to ₹ 111 Cr in Q2 FY26 from ₹ 693 Cr in Q2 FY25 GNPA further declined to 4.61% Q2 FY26 vs 5.43% in Q1 FY26; NNPA at 0.38% • • • Net flow forward into PAR0+ stabilized at 0.5%-0.6% CE holdi
0.38%
Y26 from ₹ 693 Cr in Q2 FY25 GNPA further declined to 4.61% Q2 FY26 vs 5.43% in Q1 FY26; NNPA at 0.38% • • • Net flow forward into PAR0+ stabilized at 0.5%-0.6% CE holding steady at 98.5%, with n
0.5%
% Q2 FY26 vs 5.43% in Q1 FY26; NNPA at 0.38% • • • Net flow forward into PAR0+ stabilized at 0.5%-0.6% CE holding steady at 98.5%, with new book CE at 99.5% Hard bucket (dpd 90+) recoveries gai
0.6%
FY26 vs 5.43% in Q1 FY26; NNPA at 0.38% • • • Net flow forward into PAR0+ stabilized at 0.5%-0.6% CE holding steady at 98.5%, with new book CE at 99.5% Hard bucket (dpd 90+) recoveries gaining
98.5%
NNPA at 0.38% • • • Net flow forward into PAR0+ stabilized at 0.5%-0.6% CE holding steady at 98.5%, with new book CE at 99.5% Hard bucket (dpd 90+) recoveries gaining momentum • • Disbursement
99.5%
flow forward into PAR0+ stabilized at 0.5%-0.6% CE holding steady at 98.5%, with new book CE at 99.5% Hard bucket (dpd 90+) recoveries gaining momentum • • Disbursement grew by 37% in Q2 FY26 to
37%
ew book CE at 99.5% Hard bucket (dpd 90+) recoveries gaining momentum • • Disbursement grew by 37% in Q2 FY26 to ₹ 1,298 Cr from ₹ 950 Cr in Q1 FY26 Credit underwriting continues to be strong, a
₹ 1,298
Hard bucket (dpd 90+) recoveries gaining momentum • • Disbursement grew by 37% in Q2 FY26 to ₹ 1,298 Cr from ₹ 950 Cr in Q1 FY26 Credit underwriting continues to be strong, and more stringent than
Guidance — 3 items
Mission
opening
“OS / Borrower (₹ in K) 45.2 47.1 50.3 53.3 54.2 38.3 36.4 31.9 28.3 25.6 28.6 27.4 26.1 24.8 24.8 Q2 FY25 Q3 FY25 Q4 FY25 Q1 FY26 Q2 FY26 Q2 FY25 Q3 FY25 Q4 FY25 Q1 FY26 Q2 FY26 Q2 FY25 Q3 FY25 Q4 FY25 Q1 FY26 Q2 FY26 Avg.”
Mission
opening
“AUM 21.5% 19.1% 19.1% 20.6% 21.2% 75.9% 69.6% 70.8% 70.2% 11.4% 10.1% QoQ 10.1% 11.5% 10.3% 10.5% 10.3% 10.3% 38.4% 40.4% 8.9% 8.6% 10.3% 10.9% 7.4% 6.5% 8.4% Q2 FY25 Q3 FY25 Q4 FY25 Q1 FY26 Q2 FYF26 Q1FY'25 Q2 FY25 Q3 FY25 Q4 FY25 Q1 FY26 Q2 FY26 Q2 FY25 Q3 FY25 Q4 FY25 Q1 FY26 Q2 FY26 Portfolio Yield Avg.”
Mission
opening
“AUM 20.5% 18.8% 20.4% 21.6% 20.5% 20.8% YoY 11.2% 10.4% 10.3% 10.4% 10.3% 10.3% 9.2% 8.4% 10.2% 11.2% 10.2% 10.5% 70.5% 51.7% 44.3% 44.3% 38.4% 36.6% 5.3% 5.5% 5.5% 5.7% 10.5% 7.7% FY21 FY22 FY23 FY24 FY25 H1 FY26 FY21 FY22 FY23 FY24 FY25 H1 FY26 FY21 FY22 FY23 FY24 FY25 H1 FY26 Portfolio Yield Avg.”
Risks & concerns — 4 flagged
It reduces fraud risk, supports compliance, and eliminates manual errors..
— Mission
It reduces roll-forward risk and captures customer issues for better engagement and resolution.
— Mission
Under Education and skill development thematic area, 17 FLP conducted across 12 states and touched 1,734 lives • 50% board comprising independent directors including 2 women directors • Risk Management Committee to review management policies in relation to various risks and regulatory compliance issues • Awarded a score of 96% on the Code of Conduct Assessment (CoCA) for MFIs in India by M-CRIL(1) • Dedicated ALM committee to monitor maturity schedule of financial liabilities & assets 1.
— Mission
Mundra is a postgraduate from Indian Institute of Management, Ahmedabad and BTech in Chemical Engineering from IIT, Bombay • Rajeev Sardana is an ex-member of the Executive Management at HDFC, with expertise in financial services, lending, retail assets, and credit risk management.
— Mission
Speaking time
Vision
1
Mission
1
Opening remarks
Vision
“Fusion Finance with a social vision and business orientation aims to provide underprivileged women with economic opportunities to transform the quality of their lives.”
Mission
“A self-sustainable financial institution which leverages the distribution network to channel other products and services.” November 4, 2025 | © Fusion Finance Limited | www.fusionfin.com 27 Tech Capabilities & ESG November 4, 2025 | © Fusion Finance Limited | www.fusionfin.com 28 Tech Interventions||Strengthening compliance, reducing fraud, and enabling seamless digital onboarding Aadhaar-Based Verification Integrated with government database for live ID, name, and age checks Future-ready: OTP-based API under development for seamless scalability Real-Time Voter ID Validation 100% real-time validation across all branches Reduces identity fraud Paperless Digital Signing Secure virtual document execution (Qsign) Upcoming launch of face- matched, OTP-authenticated signatures to ensure non- repudiation Geo-Fencing & Location Intelligence Village level geo-fencing and monitored route planning Distance-based policies for smarter resource deployment Event-based tagging throughout loan lifecyc
← All transcriptsFUSION stock page →