Poonawalla Fincorp has announced the approval of a significant debt fundraising initiative through the issuance of non-convertible debentures. The financial services company has received authorization to raise up to ₹500 crore through this structured debt instrument.

Debenture Structure and Features

The approved non-convertible debentures come with several key characteristics designed to attract institutional investors:

The secured nature of these debentures provides an additional layer of protection to investors, as the instruments will be backed by specific assets or collateral. This security feature typically results in lower interest costs for the issuer while offering enhanced safety to debenture holders.

Private Placement Strategy

The company has chosen the private placement route for this debt issuance, which offers several operational advantages. Private placements allow for direct engagement with institutional investors, qualified buyers, and high-net-worth individuals without the extensive regulatory requirements of a public offering.

This approach enables Poonawalla Fincorp to:

• Target specific investor categories
• Reduce issuance costs and timeline
• Maintain greater control over the fundraising process
• Access institutional capital more efficiently

Market Positioning

The decision to issue rated and listed debentures demonstrates the company's commitment to transparency and market accessibility. The rating process involves comprehensive evaluation by credit rating agencies, providing investors with independent assessment of the instrument's credit quality. Listing the debentures on recognized exchanges ensures liquidity and enables secondary market trading for investors.

Poonawalla Fincorp has announced a significant expansion of its artificial intelligence capabilities with the launch of five new enterprise AI solutions on January 28, 2026. The comprehensive rollout demonstrates the company's commitment to becoming a digitally fluent, data-driven, and highly scalable financial organization through an AI-first approach across all functions.

Five New AI-Powered Solutions

The financial services company has deployed artificial intelligence across multiple critical business areas to strengthen decision-making and execution capabilities:

Strategic AI Implementation

The AI-powered Competition Benchmarking Engine embeds market intelligence directly into pricing, positioning and competitive strategies. This system autonomously searches for market changes, analyzing competitor pricing moves, product shifts and engagement patterns across portfolios, converting them into timely, decision-ready insights.

The Central KYC AI Platform addresses customer onboarding scalability by applying AI-driven validation at the entry point. This ensures KYC data accuracy and material relevance before flowing through the system, reducing manual intervention by approximately 15 percent while strengthening accuracy and turnaround performance.

Data Quality and Customer Experience Enhancement

The Agentic Data Quality Intelligence solution automatically monitors data against defined quality standards, flags anomalies, and updates validation rules as requirements evolve. This ensures data used for reporting, risk and business decisions remains accurate, traceable and audit-ready across multiple systems and teams.

The AI-led Voice of Customer Categorisation system organizes free-text customer responses into clear issue themes, directly linking them to accountable functions. This enables faster issue resolution, clearer ownership, and systematic addressing of recurring problems rather than case-by-case handling.

Development Acceleration and Company Performance

Build Buddy serves as an AI-powered development assistant integrated into the company's existing technology stack. Acting as a development companion, it supports engineers by assisting with code writing, suggesting fixes before code commitment, and providing contextual feedback on logic, performance and readability.

According to Arvind Kapil, Managing Director & CEO, artificial intelligence represents more than a tool, reshaping how organizations think, decide, and compete. The focus remains on responsible AI use by combining machine precision with human judgment to strengthen trust and sharpen decision-making.

AI Project Portfolio and Company Overview

Poonawalla Fincorp continues to expand AI implementation across core areas including risk calibration, fraud detection, marketing, compliance, HR, governance, audit, and underwriting quality assessment. The company operates as a Cyrus Poonawalla group promoted non-deposit taking systemically important non-banking finance company, registered with the Reserve Bank of India and listed on both BSE and NSE.