Poonawalla Fincorp Ltd

Poonawalla Fincorp (PFL) today announced the rollout of five new AI-powered enterprise solutions. The new deployments extend the use of artificial intelligence across strategic decision-making, customer onboarding, data quality management, customer experience analytics and application development. These initiatives reflect PFL's long-term vision to become a digitally fluent, data-driven, and highly scalable financial organization, with AI-first approach being adopted across functions. Aligned with this direction, PFL has introduced the following five AI-led solutions: 1. AI-powered Competition Benchmarking Engine: This capability embeds market intelligence directly into how PFL prices, positions and competes. AI autonomously searches for market changes, analysing competitor pricing moves, product shifts and engagement patterns across portfolios, and converts them into timely, decision-ready insights. Built as an extension of the organisation's AI-enabled risk hindsight framework, the system enables faster responses to market shifts. 2. Central KYC (CKYC) AI Platform: As customer onboarding scales, consistency and control become critical. The CKYC AI platform reframes compliance as a source of strength by applying AI-driven validation at the entry point, ensuring KYC data is assessed for accuracy and material relevance before it flows through the system. This reduces manual intervention by ~15 percent, and materially strengthens both accuracy and turnaround performance. 3. Agentic Data Quality Intelligence (DQI): As data flows across multiple systems and teams, maintaining consistency becomes critical. This solution automatically monitors data against defined quality standards, flags anomalies, and updates validation rules as requirements evolve. It ensures data used for reporting, risk and business decisions remains accurate, traceable and audit-ready. 4. AI-led Voice of Customer (VOC) Categorisation: Customer feedback is often rich but difficult to act on, at scale. This system organises free-text responses into clear issue themes and directly links them to accountable functions. Issues move faster, ownership is clearer, and recurring problems are addressed systematically rather than case by case. 5. Build Buddy for Accelerated Application Development: An AI-powered development assistant integrated into PFL's existing technology stack. Acting as a 'development buddy,' it supports engineers by assisting with code writing, suggesting fixes before code is committed, and providing contextual feedback on logic, performance and readability. The solution also enables automated refactoring, improving reuse, reducing development costs and significantly accelerating application delivery while ensuring adherence to development and deployment standards. The company in this quarter alone has initiated 12 AI projects bringing the company wide total to 57 projects, of which 30 have been successfully completed. Powered by Capital Market - Live

Net profit of Poonawalla Fincorp rose 702.03% to Rs 150.22 crore in the quarter ended December 2025 as against Rs 18.73 crore during the previous quarter ended December 2024. Sales rose 72.03% to Rs 1818.42 crore in the quarter ended December 2025 as against Rs 1057.03 crore during the previous quarter ended December 2024. ParticularsQuarter EndedDec. 2025Dec. 2024% Var. Sales1818.421057.03 72 OPM %52.9640.24 - PBDT224.3140.45 455 PBT200.2125.18 695 NP150.2218.73 702 Powered by Capital Market - Live

Poonawalla Fincorp will hold a meeting of the Board of Directors of the Company on 16 January 2026.Powered by Capital Market - Live

The board of Poonawalla Fincorp has allotted 50,700 secured,redeemable, rated, listed, non-convertible debentures of the face value of Rs 1,00,000, amounting to Rs 507 crore through private placement. 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 750 crore. Powered by Capital Market - Live

Poonawalla Fincorp has approved allotment of 1,00,000 secured redeemable, rated, listed, fully paid-up non-convertible debentures of Rs 1,00,000/- each amounting to Rs 1000 crore through PFL NCD Series 'G2' STRPP I FY 2025-26 and 1,00,000 secured, redeemable, rated, listed, partly-paid non-convertible debentures of Rs 1,00,000/- each (Paid-up value of Rs 1,000/- per debenture) amounting to Rs 10 crore (1st Tranche) and Balance Subscription Payment - Mechanism is mentioned in Key Information Document through PFL NCD Series 'G3' STRPP II FY 2025-26 aggregating to Rs 1010 crore through private placement.Powered by Capital Market - Live

The initiatives include an Early Warning System for workforce risk, a Travel Bot for operational mobility, RegIntel for compliance intelligence, an Employee Relations Governance Tool, and an AI-driven Suspicious Transaction Reporting system for financial crime compliance. The company said the deployments mark a major step in embedding AI into its core operations, shifting from reactive to predictive and prescriptive systems. Managing director and CEO Arvind Kapil said the firm now has 45 AI projects, of which 13 are already completed, calling it an 'industry-first' approach to digital transformation. Poonawalla Fincorp, part of the Cyrus Poonawalla Group, is a non-deposit taking NBFC with assets under management of Rs 47,701 crore as of 30 September 2025. On a consolidated basis, Poonawalla Fincorp's net profit fell 78.54% to Rs 62.60 on 31.95% increase in total income to Rs 1,314.01 crore in Q1 June 2025 over Q1 June 2024. Powered by Capital Market - Live

Poonawalla Fincorp announced the deployment of five new AI-powered solutions as part of its risk-first and enterprise-wide digital transformation journey. These include an Early Warning System (EWS) for workforce risk, a Travel Bot for operational mobility, RegIntel for compliance intelligence, an ER Governance Tool for employee relations, and AI-driven Suspicious Transaction Reporting (STR) for financial crime compliance. Together, these solutions embed AI into PFL's core operations, going beyond automation to create intelligent, scalable, and compliance-ready systems. By shifting from reactive to predictive and prescriptive approaches, PFL is building a digitally confident, governance-driven, and future-ready NBFC. Arvind Kapil, Managing Director & CEO of Poonawalla Fincorp, said: 'We at Poonawalla Fincorp, now with 45 AI projects on the table are reimagining how our organisation works by infusing intelligence into every part of our ecosystem. Be it providing real-time regulatory clarity, or improving the accuracy of compliance reporting, predicting and preventing attrition, strengthening employee governance or simplifying travel operations - each of these AI-led solutions is designed to make us more agile, transparent, and future-ready. The depth of AI projects across different and diverse departments within the company, we believe, makes it an industry first approach, with couple of them being game changers. This also marks an important step in our journey to build a trusted, technology-driven enterprise that empowers our people and elevates how we work.'Powered by Capital Market - Live

Net profit of Poonawalla Fincorp reported to Rs 74.20 crore in the quarter ended September 2025 as against net loss of Rs 471.04 crore during the previous quarter ended September 2024. Sales rose 55.97% to Rs 1542.30 crore in the quarter ended September 2025 as against Rs 988.87 crore during the previous quarter ended September 2024. ParticularsQuarter EndedSep. 2025Sep. 2024% Var. Sales1542.30988.87 56 OPM %49.19-27.37 - PBDT121.36-614.65 LP PBT98.89-630.45 LP NP74.20-471.04 LP Powered by Capital Market - Live

The stock hit a record high of Rs 570.40 in early trade today. In a filing to the stock exchanges, the company said its AUM climbed 67.7% year-on-year and 15.4% sequentially, touching an all-time high of Rs 47,625 crore as of 30 September 2025. The firm also reported ample liquidity of Rs 6,200 crore, underscoring its strong balance sheet and prudent funding strategy. Poonawalla Fincorp reiterated that it continues to follow a risk-first approach supported by robust risk management systems and a diversified asset base. The management added that the company's focus remains on sustainable and profitable business expansion in line with its long-term growth vision. Poonawalla Fincorp is a Cyrus Poonawalla group promoted non-deposit taking systemically important non-banking finance company (ND-SI-NBFC), registered with the Reserve Bank of India (RBI). The company has coverage across 18 states and 2 Union Territories. The company has AUM of Rs 41,273 crore as on 30 June 2025. The company's financial services offerings include pre-owned car finance, digital PL, prime personal loan, loan for professionals, business loan, loans against property, mid-market & nbfc loan, machinery & medical equipment loan, education loan, commercial vehicle loan, shopkeeper loan, gold loan, and consumer durable loan. On a consolidated basis, Poonawalla Fincorp's net profit fell 78.54% to Rs 62.60 on 31.95% increase in total income to Rs 1,314.01 crore in Q1 June 2025 over Q1 June 2024. The company's board will consider Q2 result on 17 October 2025. Powered by Capital Market - Live