Poonawalla Fincorp Ltd

Poonawalla Fincorp has allotted 50,000 secured, redeemable, rated, listed, non-convertible debentures of the face value of Rs 1,00,000, amounting to Rs 500 crore, through private placement on 12 June 2025.Powered by Capital Market - Live

Poonawalla Fincorp announced the launch of Business Loan 24/7, an industry first digital loan solution backed by a pioneering digital risk assessment model tailored for micro, small, and medium enterprises (MSMEs). This innovative offering provides instant approval with a risk-first approach and flexible repayment options. Designed to address the credit needs of MSMEs with speed, convenience, and simplicity, Business Loan 24/7 offers a fully digital onboarding and approval journey through a Straight Through Processing (STP) model. This eliminates the need for branch visits or physical paperwork, delivering a user-friendly and secure experience across all touchpoints. The offering leverages advanced analytics and a robust risk assessment framework, with an intended objective to enhance the evaluation of creditworthiness for self-employed and MSMEs. By using digitized information directly from the source, it strengthens risk assessment beyond conventional metrics, enabling responsible credit allocation to growth-ready enterprises. Powered by Capital Market - Live

Poonawalla Fincorp has approved the issuance of secured, redeemable, rated, listed, non-convertible debentures of face value of Rs 1,00,000 each (NCDs) for an amount aggregating up to Rs 2,500 crore through private placement. Powered by Capital Market - Live

Poonawalla Fincorp (PFL) announced the deployment of AI-powered solutions in its marketing and compliance functions, reshaping the way it engages with customers digitally and responds to regulatory requirements with greater agility. As part of its marketing transformation, PFL is developing a suite of AI-powered solutions to build a robust and scalable data-driven ecosystem, redefining customer engagement and marketing strategies. These solutions aim to enhance customer targeting precision, optimize acquisition costs, and deliver personalized experiences, driving efficiency and growth. PFL has deployed an AI-driven customer targeting solution to identify and engage high-quality borrowers with precision. Through an AI-driven tool, the company has created over 100 cohorts and personas, continuously enhancing them with each iteration to sharpen its focus on attracting high-quality borrowers across various digital platforms. This targeted approach has strengthened performance marketing efforts and enhanced organic conversion efficiencies, driving better engagement and sustainable growth. To drive efficiency at scale, PFL is using AI for performance marketing optimization and has launched 80 100 automated retargeting campaigns across its web and app platforms. By using real-time data and insights, the company is developing multiple communication strategies tailored to specific customers, locations, languages, and other factors. PFL has undertaken a website transformation, revamping its digital presence to offer seamless experiences. New features such as a self-serve customer portal, QR-code-based referral journeys, and credit score checks provide customers with greater control and convenience. In phase 2, the company plans to introduce 24-hour support powered by conversational-AI and integrate a multilingual interface with 5 new languages for broader inclusivity. Additionally, the company will leverage Gen AI based content creation platforms to support a 10X increase in generating high impact customized content for customer engagement across website and app. Powered by Capital Market - Live

Poonawalla Fincorp (PFL) has announced the implementation of advanced AI powered debt management platform to transform its debt management processes, redefining the collections journey in the lending sector. This aims to enhance efficiency across processes, strategic designs, and governance framework. Central to this transformation is an advanced engine that autonomously analyzes data from customer interactions, including digital communications, tele-calling, and field operations. It offers a multi-layered, multi-channel intervention mechanism that enhances efficiency, reducing 4-5 days of manual effort typically needed for managing collection communications. The platform will enable PFL to leverage 100 plus micro-strategies that are aligned with customer profiles, preferred communication channels, and optimal engagement timings. Implementation of a human less, automated channel allocation process has reduced the time from 3-4 days to under 3 hours, enabling faster customer engagement post-delinquency, across tele-calling and field channels.Powered by Capital Market - Live

Poonawalla Fincorp announced that the 45th Annual General Meeting(AGM) of the company will be held on 29 July 2025.Powered by Capital Market - Live

The company has also introduced a digital EMI card with pre-approved limits, enabling customers to purchase consumer durable products more conveniently. Consumer durable loans present PFL with a strategic opportunity to drive faster customer franchise growth through instant, point-of-sale loans and digital onboarding, enabling real-time customer acquisition and building scale efficiently with a tech-first approach. Additionally, this offering creates a strong cross-sell flywheel, as consumer durable loan customers become potential leads for personal loans, insurance, and other financial products'creating a natural cross-sell funnel, high engagement and strong visibility across cities and catchments. PFL's initial priority is to institutionalize its acquisition processes end-to-end within the first 90 days and gradually scale the business across geographies, in line with its risk-first approach. In phase one, PFL plans to expand into 70 locations across key metros, as well as Tier 2 and Tier 3 cities, collaborating with 5,000 dealers, including regional retailers and small businesses with strong local reach. Additionally, the company is partnering with leading OEMs that hold significant market share across various regions. Arvind Kapil, managing director & CEO of Poonawalla Fincorp, said, 'This is not just a product launch - it's a strategic lever to scale our retail business faster, deeper, and more profitably. It unlocks access to millions of new customers and enables us to serve them across their financial lifecycle.' Poonawalla Fincorp is a non-deposit taking systemically important non-banking finance company (ND-SI-NBFC), registered with the Reserve Bank of India (RBI). It offers pre-owned car finance, personal loans, loans for professionals, business loans, loans against property, machinery loans, education loans, commercial vehicle loans, and shopkeeper loans. The company's consolidated net profit declined 92.9% to Rs 18.73 crore in Q3 FY25 as compared with Rs 265.14 crore in Q3 FY24. Total income jumped 36.6% YoY to Rs 1,057.17 crore in Q3 FY25. The scrip fell 0.23% to currently trade at Rs 395.65 on the BSE. Powered by Capital Market - Live

Poonawalla Fincorp (PFL) announced the launch of its Consumer Durables Loans business. The company has also introduced a digital EMI card with pre-approved limits, enabling customers to purchase consumer durable products more conveniently. This launch marks the company's strategic entry into a fast-growing, high-velocity segment of retail lending, strengthening its ability to build a deeper, more scalable retail franchise while enhancing profitability and lifetime customer value. Consumer durable loans present PFL with a strategic opportunity to drive faster customer franchise growth through instant, point-of-sale loans and digital onboarding, enabling real-time customer acquisition and building scale efficiently with a tech-first approach. Additionally, this offering creates a strong cross-sell flywheel, as consumer durable loan customers become potential leads for personal loans, insurance, and other financial products'creating a natural cross-sell funnel, high engagement and strong visibility across cities and catchments. Powered by Capital Market - Live

This new offering provides a secure, fast, and transparent financing solution for individuals and businesses, catering to diverse financial needs such as business expansion, agriculture costs, and personal expenses. As part of this initiative, the company seeks to strengthen its presence across Tier 2 and Tier 3 cities with a secured product. It plans to open 400 new branches in a phased approach over the next four quarters. The company facilitates loan access through its branches and localized outreach, having onboarded industry professionals to provide tailored financial solutions and enhance customer experiences across regions. With faster approvals in less than 30 minutes, minimal documentation, and multiple repayment options, customers can unlock the value of their gold without selling it - ensuring financial flexibility while preserving long-term wealth. Arvind Kapil, MD & CEO, Poonawalla Fincorp, said, 'Our gold loan offering represents a natural progression in our secured lending portfolio, combining traditional value with modern convenience. We have designed this product with the customer journey at its core, respecting both the emotional and financial value of gold. At Poonawalla Fincorp, customer asset safety and transparency remains paramount, while delivering reliable and premium services.' Poonawalla Fincorp is a non-deposit taking systemically important non-banking finance company (ND-SI-NBFC), registered with the Reserve Bank of India (RBI). It offers pre-owned car finance, personal loans, loans for professionals, business loans, loans against property, machinery loans, education loans, commercial vehicle loans, and shopkeeper loans. The company's consolidated net profit declined 92.9% to Rs 18.73 crore in Q3 FY25 as compared with Rs 265.14 crore in Q3 FY24. Total income jumped 36.6% YoY to Rs 1,057.17 crore in Q3 FY25.Powered by Capital Market - Live

Poonawalla Fincorp has expanded its portfolio of secured lending products with the launch of its Gold Loan Business. This new offering provides a secure, fast, and transparent financing solution for individuals and businesses, catering to diverse financial needs such as business expansion, agriculture costs, and personal expenses. With faster approvals in less than 30 minutes, minimal documentation, and multiple repayment options, customers can unlock the value of their gold without selling it - ensuring financial flexibility while preserving long-term wealth. To strengthen its presence across Tier 2 and Tier 3 cities with a secured product, PFL plans to open 400 new branches in a phased approach over the next four quarters. The company facilitates loan access through its branches and localized outreach, having onboarded industry professionals to provide tailored financial solutions and enhance customer experiences across regions. Powered by Capital Market - Live