About Poonawalla Fincorp Limited

The Cyrus Poonawalla Group operates Poonawalla Fincorp Limited as its Non-Banking Financial Company (NBFC) for consumer and MSME finance activities. The Company established its operations on December 18, 1978 and provides technology-driven lending solutions throughout India through a distribution system that unites physical branches with digital operations for national market access and consumer-friendly services. 

The Company provides customers with pre-owned car finance as well as personal loans and professional loans and business loans and property loans and machinery loans and education loans and commercial vehicle loans and shopkeeper loans and gold loans and consumer durable loans. The Company provides financial services to a broad client base throughout all of India while expanding its operations to Tier-2 and Tier-3 cities through focused growth strategies and complete digital pathways.

The consolidated information from Poonawalla Fincorp Limited reveals that it operates without subsidiaries during March 31, 2025 and holds a joint venture stake in Jaguar Advisory Services Private Limited (JASPL).

During the last year the company introduced a 24×7 digital personal loan system while achieving significant advancements in AI-driven credit cycle execution and achieving a 42.5% rise in Assets under Management (AUM). The Company reported Assets under Management (AUM) of Rs 35,631 crore during March 31, 2025 because of its disciplined origination strategies and phygital distribution approach. 

The Company operated at a capital adequacy ratio (CRAR) of 22.94% with CRISIL AAA/Stable and CARE AAA; Stable rating for long-term credit while achieving Crisil A1+ and CARE A1+ short-term ratings.

Poonawalla Fincorp Limited’s Key Management

• Arvind Kapil, Managing Director and Chief Executive Officer
• Sunil Samdani, Executive Director
• Sanjay Miranka, Chief Financial Officer
• Shriram V. Iyer, Chief Credit and Analytics Officer
• Vikas Pandey, Chief Business Officer – Consumer Business
• Veeraraghavan Iyer, Chief Business Officer – Commercial Business
• Harsh Kumar, Chief Human Resources Officer
• Bhaskar Pandey, Chief Risk Officer
• Nitin Sane, Chief Internal Auditor
• Bholananda Behera, Chief Compliance Officer
• Salil Hajarnis, Chief Technology Officer
• Shabnum Zaman, Company Secretary
  

 Latest Updates on Poonawalla Fincorp Limited

• The company introduced six new lending verticals including Personal Loan Prime Digital 24×7 (for salaried professionals) and Education Loan and Commercial Vehicle Loan and Shopkeeper Loan and Gold Loan and Consumer Durable Loan.
• Digital innovation: Industry-first 24×7 digital personal loan; seven AI initiatives launched across HR, credit, collections, risk and compliance, with 18 in the pipeline.
• Distribution: Phased rollout plan of 400 new branches by FY 2025–26 to complement digital journeys and deepen reach into Bharat.
• Funding and capital: Raised Rs 960 crore via NCDs and $175 Million (~Rs 1,477 crore) via ECBs; CRAR at 22.94%; borrowing mix diversified with NCD share doubling from ~6% in March 2025 to ~12% in April 2025.
• Recognition: Awards in 2025 include ASSOCHAM’s Outstanding Contribution to Financial Inclusion, Most Impactful NBFCs (VERINT), Express BFSI Technology Award for PL Prime 24×7, Governance Now “Leadership in Governance Excellence,” and Best Risk Management Framework – NBFC Sector (Indian Risk Management Awards).