What Is Poonawalla Fincorp Doing to Transform and Innovate Themselves?

At Pune-based NBFC, Poonawalla Fincorp turnaround has already begun, according to Adar Poonawalla, chairman of the company. The new leadership has been looking to create a robust strategy and focus on innovation. Their commitment is highlighted by the company’s recent growth trajectory and futuristic vision.

Strategic Changes for Secured Lending

In terms of strategy, Poonawalla Fincorp is focusing on secured lending products like loans against property (LAP), housing loans, and gold loans. With a planned 60:40 balance between secured and unsecured lending, this pivot ensures a more stable and sustainable growth path.

The company’s current Assets Under Management (AUM) stand at ₹30,000 crore, and it is targeting a remarkable growth rate of 35-40%. Poonawalla Fincorp’s long-term vision is to achieve an AUM of ₹1 lakh crore in the next five to seven years.

Using Artificial Intelligence for Improving Operations

One of the most important aspects of Poonawalla Fincorp’s strategy is the integration of Artificial Intelligence (AI) across its operations. From customer service to underwriting and lending processes, AI is enabling the company to improve efficiency, enhance decision-making, and deliver a superior customer experience.

The company’s HR processes have also benefited from AI-driven innovations. Through a partnership with IIT Bombay, AI tools are being used for quick candidate matching, instant document verification, and real-time screening. These initiatives have reduced hiring time by 90% and significantly lowered costs, highlighting the effectiveness of these initiatives.

Strengthening Leadership for Digital Transformation

These initiatives have been taken under the new management that has recently been bought into the company. Poonawalla Fincorp’s CTO Salil Hajarnis comes with expertise in AI, enterprise architecture, and digital innovation. On the other hand, the new payment and cards head, Amit Kumar Singh, is a veteran in the business and brings vast experience from his previous jobs at PayU and HDFC Bank. These appointments show the company’s focus on digital innovation and customer-centric solutions.

Commendable Growth in Q3 2025

The performance in Q3 2025 has been something that a lot of experts are talking about. The company recorded total disbursements of ₹7,150 crore, which increased from ₹6,313 crore in the previous quarter.

The company also reported a net profit of ₹854.6 crore in the September quarter, with Net Interest Income increasing by 17.5% year-on-year to ₹558.4 crore. These figures reflect the strong fundamentals and the effectiveness of the company’s strategic initiatives.

Launching New Business Verticals

Poonawalla Fincorp’s CEO and MD, Arvind Kapil says that the company is expanding its portfolio with six retail-focused lending businesses. The company plans to double its staff and increase its branch network from 100 to 400 over the next four to six quarters. This expansion will cater to diverse customer needs, including loans for gold purchases, used cars, small businesses, and education.

An Optimistic Future for Poonawalla Fincorp

With a clear focus on innovation, customer-centricity, and sustainable growth, Poonawalla Fincorp is well-poised to achieve its goals. The integration of technology, expansion into new business verticals, and the strengthening of its leadership team are all driving factors behind its success.