Poonawalla Fincorp Unveils Five AI Solutions to Revolutionize Operations

Poonawalla Fincorp Limited (PFL), a leading NBFC in the Cyrus Poonawalla Group, has taken a significant leap in its digital transformation journey by deploying five new AI-powered solutions. This move reinforces the company's commitment to embedding artificial intelligence into its core operations, focusing on risk management, compliance, and employee relations.

AI-Driven Innovations

The company has introduced the following AI-powered solutions:

Solution	Purpose	Key Features
Early Warning System (EWS)	Workforce risk prediction	Uses stacked ensemble models to predict attrition risk
Travel Bot	Operational mobility	Automates cab bookings and travel communications via Microsoft Teams
RegIntel	Compliance intelligence	AI-powered assistant for addressing employee queries on policies and regulations
ER Governance Tool	Employee relations management	Provides AI-based recommendations for fair and consistent ER governance
AI-driven Suspicious Transaction Reporting (STR)	Financial crime compliance	Enhances AML compliance by reducing false positives in transaction monitoring

Strategic AI Implementation

Arvind Kapil, Managing Director & CEO of Poonawalla Fincorp, emphasized the company's commitment to AI, stating, "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." This approach aims to make the company more agile, transparent, and future-ready.

Comprehensive AI Integration

PFL's AI initiatives span across various departments, including:

Risk calibration
Fraud detection
Marketing
Compliance
Human Resources
Governance
Audit
Underwriting quality assessment

The company has successfully completed 13 out of 45 planned AI projects, demonstrating its rapid progress in AI adoption.

Company Overview

Poonawalla Fincorp Limited, an ND-SI-NBFC registered with the Reserve Bank of India, has shown significant growth:

Assets Under Management (AUM): ₹47,701.00 crore
Workforce: 5,081 employees

The company offers a wide range of financial services, including loans against property, business loans, personal loans, and various other lending products tailored for different segments of the market.

This strategic deployment of AI solutions marks a pivotal moment in Poonawalla Fincorp's journey towards becoming a digitally confident, governance-driven, and future-ready NBFC in the rapidly evolving fintech landscape.

1 Day	5 Days	1 Month	6 Months	1 Year	5 Years
+0.62%	-4.17%	-1.61%	+27.95%	+54.37%	+1,239.08%

Poonawalla Fincorp , a prominent player in the financial services sector, has reported a remarkable turnaround in its financial performance for the second quarter. The company posted a consolidated net profit of 742 crore rupees, marking a significant improvement from a loss of 470 crore rupees in the same period last year.

Revenue Growth

The company's revenue saw substantial growth, reaching 1,542.80 crore rupees compared to 996.50 crore rupees in the corresponding quarter of the previous year, representing a robust year-over-year increase of 54.82%.

Profitability Metrics

Poonawalla Fincorp's profitability metrics showed notable improvements:

Metric	Q2 FY2026	Q2 FY2025	YoY Change
Net Profit	742.00 cr	-470.00 cr	257.87%
EBITDA	759.20 cr	-263.10 cr	388.56%
EPS	0.95	-6.10	115.57%

Operational Efficiency

The company's operational performance also showed positive trends:

Metric	Q2 FY2026	Q2 FY2025	YoY Change
Operating Profit	758.70 cr	-270.70 cr	380.27%
Operating Profit Margin	49.19%	-27.37%	279.72%

Financial Position

Poonawalla Fincorp's balance sheet reflects its improved financial position:

Metric	Q2 FY2026	Q2 FY2025	YoY Change
Sales	1,542.30 cr	988.90 cr	55.96%
Expenses	783.60 cr	1,259.60 cr	-37.79%
Interest	637.80 cr	351.60 cr	81.40%

The significant reduction in expenses, coupled with the substantial increase in sales, has contributed to the company's improved profitability.

Conclusion

Poonawalla Fincorp's Q2 performance demonstrates a strong turnaround, with significant improvements across key financial metrics. The company's ability to grow revenue while managing expenses effectively has resulted in a return to profitability, positioning it well for future growth in the competitive financial services sector.