Fusion Finance Recovery: ₹14 Cr Profit Ke Saath Wapsi! Asset Quality Bhi Superb.

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AuthorAnanya Iyer|Published at:
Fusion Finance Recovery: ₹14 Cr Profit Ke Saath Wapsi! Asset Quality Bhi Superb.
Overview

Dekho bhaiyo, Fusion Finance ne toh dil jeet liya! Pichhle saal issi quarter mein ₹719 Crore ka heavy loss tha, aur ab Q3 FY26 mein ₹14 Crore ka profit report kiya hai. Last quarter ka ₹22 Crore ka loss bhi sudhar gaya hai. Lagta hai company apne track par wapas aa gayi hai!

Yeh comeback koi mamooli nahi hai. Company ne Q3 FY26 mein ₹14 Crore ka Profit After Tax (PAT) kamaya, jo pichhle saal ke Q3 FY25 mein ₹719 Crore ke loss aur Q2 FY26 ke ₹22 Crore ke loss ke comparison mein ekdum alag picture hai. Yeh sab hua hai asset quality mein sudhaar aur carefully ki gayi growth ki wajah se.

Aise samjho, company ka total income ₹424 Crore raha, jo pichhle saal se 12% kam hai, par management ne expenses control mein rakhe. Sabse achhi baat ye hai ki Net Interest Margin (NIM) 246 basis points badh kar 11.32% ho gaya hai. Pre-Provision Operating Profit (PPOP) mein bhi 44% ka YoY growth dikha hai, jo ₹94 Crore tak pahunch gaya. Finance costs 42% kam ho gaye aur financial instruments ke impairment mein 86% ki kami aayi, yani risk management strong ho raha hai.

Asset quality ki baat karein toh Gross NPAs 12.58% se gir kar sirf 4.38% par aa gaye hain. Net NPAs bhi 1.71% se 0.63% ho gaye. Collection efficiency 99.14% par solid hai, aur naye book mein toh 99.56% hai! Nyaye log, disbursements bhi 23% badhe hain QoQ, jo ₹1,594 Crore tak pahunch gaye. Assets Under Management (AUM) abhi ₹6,876 Crore hai, jo pichhle saal se 35% kam hai, par company ne quality par focus kiya hai quantity se zyada.

Capital Adequacy Ratio (CRAR) toh ekdum top notch, 38.80% par hai, jo rules se bahut upar hai. Equity base bhi 29% badh kar ₹2,331 Crore ho gaya hai, jisme ₹2,522 Crore ka borrowings aur rights issue ka bada contribution hai. Isse company ki 'Going Concern' status bhi bahal ho gayi hai.

Aage kya plan hai? Company MSME business aur semi-urban areas par zyada focus karegi. Naye CFO bhi aaye hain, jo growth ko aur risk management ko balance karenge. Technology ka bhi use karenge. Abhi toh recovery dikh rahi hai, dekhte hain aage kitna sustain kar paate hain.

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