FUSIONBSEQ4 & FY26March 31, 2026

FUSION FINANCE LIMITED

7,445words
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
₹ 114.2
ity and Business growth Improving Portfolio Quality Sustained profitability with Q4 FY26 PAT at ₹ 114.2 Cr; FY26 PAT at ₹ 13.9 Cr. Avg. CE (MFI) improved to 99.66% in Q4 FY26 (vs 99.14% in Q3 FY26). Re
₹ 13.9
Improving Portfolio Quality Sustained profitability with Q4 FY26 PAT at ₹ 114.2 Cr; FY26 PAT at ₹ 13.9 Cr. Avg. CE (MFI) improved to 99.66% in Q4 FY26 (vs 99.14% in Q3 FY26). Recognized Deferred Tax A
99.66%
ed profitability with Q4 FY26 PAT at ₹ 114.2 Cr; FY26 PAT at ₹ 13.9 Cr. Avg. CE (MFI) improved to 99.66% in Q4 FY26 (vs 99.14% in Q3 FY26). Recognized Deferred Tax Assets (DTA)* of ₹ 76.8 Cr in Q4 FY26
99.14%
4 FY26 PAT at ₹ 114.2 Cr; FY26 PAT at ₹ 13.9 Cr. Avg. CE (MFI) improved to 99.66% in Q4 FY26 (vs 99.14% in Q3 FY26). Recognized Deferred Tax Assets (DTA)* of ₹ 76.8 Cr in Q4 FY26. AUM grew ~ 8% QoQ to
₹ 76.8
) improved to 99.66% in Q4 FY26 (vs 99.14% in Q3 FY26). Recognized Deferred Tax Assets (DTA)* of ₹ 76.8 Cr in Q4 FY26. AUM grew ~ 8% QoQ to ₹7,407 Cr (Mar 31, 2026) from ₹6,876 Cr (Dec 31, 2025). New
8%
vs 99.14% in Q3 FY26). Recognized Deferred Tax Assets (DTA)* of ₹ 76.8 Cr in Q4 FY26. AUM grew ~ 8% QoQ to ₹7,407 Cr (Mar 31, 2026) from ₹6,876 Cr (Dec 31, 2025). New book (MFI) now at 87% of the
₹7,407
in Q3 FY26). Recognized Deferred Tax Assets (DTA)* of ₹ 76.8 Cr in Q4 FY26. AUM grew ~ 8% QoQ to ₹7,407 Cr (Mar 31, 2026) from ₹6,876 Cr (Dec 31, 2025). New book (MFI) now at 87% of the portfolio with
₹6,876
ed Tax Assets (DTA)* of ₹ 76.8 Cr in Q4 FY26. AUM grew ~ 8% QoQ to ₹7,407 Cr (Mar 31, 2026) from ₹6,876 Cr (Dec 31, 2025). New book (MFI) now at 87% of the portfolio with Avg. CE at 99.77% in Q4 FY26.
87%
M grew ~ 8% QoQ to ₹7,407 Cr (Mar 31, 2026) from ₹6,876 Cr (Dec 31, 2025). New book (MFI) now at 87% of the portfolio with Avg. CE at 99.77% in Q4 FY26. Net Forward flow rate < 0.1% in Q4 FY26. P
99.77%
2026) from ₹6,876 Cr (Dec 31, 2025). New book (MFI) now at 87% of the portfolio with Avg. CE at 99.77% in Q4 FY26. Net Forward flow rate < 0.1% in Q4 FY26. Prudent Disbursement Growth Continued imp
0.1%
ook (MFI) now at 87% of the portfolio with Avg. CE at 99.77% in Q4 FY26. Net Forward flow rate < 0.1% in Q4 FY26. Prudent Disbursement Growth Continued improvement in Credit Costs Q4 FY26 disburse
Guidance — 1 items
Mission
opening
“AUM 11.4% 11.9% 11.5% 10.1% 8.4% 68.9% 68.8% Q4 FY25 Q1 FY26 Portfolio Yield Q2 FY26 Q3 FY26 Cost of Borrowing Q4 FY26 NIM Q4 FY25 Q1 FY26 Q2 FY26 Q3 FY26 Q4 FY26 Q4 FY25 Q1 FY26 Q2 FY26 Q3 FY26 Q4 FY26 Margin Analysis Cost to Income Opex to Avg.”
Risks & concerns — 2 flagged
• More 50% than comprising independent directors including 2 women independent directors board • Risk Management Committee to review management policies in relation to various risks related issues • Awarded a score of 96% on the Code of Conduct Assessment (CoCA) for MFIs in India by M-CRIL(1) • Received Alpha rating for MIR (Microfinance Institutional Rating) by M-CRIL • Dedicated ALM committee to monitor maturity schedule of financial liabilities & assets 1.
— Mission
Rajeev Sardana, Independent Director • 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.” May 15, 2026 | © Fusion Finance Limited | www.fusionfin.com 24 Tech Capabilities & ESG May 15, 2026 | © Fusion Finance Limited | www.fusionfin.com 25 AI-Led Scale in Collections & Customer Engagement May 15, 2026 | © Fusion Finance Limited | www.fusionfin.com 26 Tech Interventions||Strengthening compliance, reducing fraud, and enabling seamless digital onboarding Real-Time Voter ID Validation ✓ 100% real-time validation across all branches ✓ Reduces identity fraud Aadhaar-Based Verification ✓ Integrated with government database for live ID, name, and age checks ✓ Future-ready: OTP-based API under development for seamless scalability 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 moni
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