Solid Performance and Expanding Reach Propel Pune NBFC Forward

Poonawalla Fincorp has posted impressive growth in the third quarter of 2025, showing strong financial performance and setting clear goals for the future. With significant increases in both loan disbursements and Assets Under Management (AUM), the company continues to make strides in expanding its presence in the financial services sector. These solid results have not only bolstered its reputation but also drawn the attention of investors, who are optimistic about the company’s future.

Strong Growth in Disbursements and AUM

For Q3 2025, Poonawalla Fincorp reported disbursements totaling Rs 7,150 crore, marking a substantial increase from the previous quarter's Rs 6,313 crore. This rise in disbursements is a clear indication of the growing demand for the company’s lending products. Additionally, the company’s AUM saw a 9% growth on a quarter-on-quarter basis, reaching Rs 30,950 crore. 

The company also maintained a healthy liquidity level, with Rs 4,800 crore in liquidity as of 2024. This solid liquidity position ensures that Poonawalla Fincorp can support its operations and growth initiatives. The firm’s financial performance has resulted in a favorable response from investors, with the company’s stock price peaking at an intraday high of Rs 329.85 on the Bombay Stock Exchange. 

Net Profit and NII Growth Boost Investor Confidence

In addition to strong disbursements and AUM growth, Poonawalla Fincorp also reported a robust net profit of Rs 854.6 crore for the September quarter. The company’s Net Interest Income (NII) grew by 17.5% year-on-year, reaching Rs 558.4 crore. These financial metrics demonstrate the company’s solid profitability, which has bolstered investor confidence. The increase in NII is a sign that Poonawalla Fincorp is effectively managing its core business and growing its earnings.

These figures provide a solid foundation for the company’s ongoing growth, strengthening its appeal to investors looking for reliable and profitable opportunities in the financial sector.

Ambitious Expansion Plans for Future Growth

Looking ahead, Poonawalla Fincorp is focused on accelerating its growth even further. CEO Arvind Kapil has revealed that the company plans to double its workforce over the next four to six quarters. This workforce expansion will go hand in hand with the launch of six new retail-focused lending businesses, which will complement its existing portfolio.

Furthermore, Poonawalla Fincorp plans to expand its branch network from 100 to 400 locations within the next year or so. This will significantly increase the company’s market reach, allowing it to serve more customers across different regions and strengthen its position in the financial market. The company’s aggressive expansion strategy signals its commitment to growing its presence and capturing a larger market share.

Technological Integration to Streamline Operations

To support its growth, Poonawalla Fincorp has embraced technology to improve its internal operations. The company has partnered with IIT Bombay to integrate artificial intelligence (AI) into its Human Resources (HR) processes. By using AI, Poonawalla Fincorp has been able to reduce hiring time by 90%, making the recruitment process more efficient. 

Additionally, the company has introduced a WhatsApp bot to assist employees with queries regarding leave, payroll, and company policies. This simple yet effective tool helps improve employee satisfaction and ensures smooth communication across the organization.

Strategic Leadership and Growth Vision

The company’s solid performance is part of a broader strategy that includes a shift towards secured lending, better collections practices, and a revamped leadership team. Chairman Adar Poonawalla has emphasized that these initiatives, following the acquisition of Magma Fincorp, are designed to strengthen the company’s market position and ensure long-term sustainability. The company is also focusing on building a more secure lending portfolio and improving its collections strategy, ensuring that it remains well-positioned for future growth.

Furthermore, the recent appointment of Amit Kumar Singh as Head of Payments and Cards demonstrates the company’s commitment to its digital growth strategy. With over two decades of experience, Singh is expected to drive the company’s digital initiatives, particularly in the payments domain, and play a crucial role in expanding its digital services.

Conclusion: A Promising Future Ahead

Poonawalla Fincorp’s remarkable growth in Q3 2025, combined with its bold plans for expansion and technological integration, positions the company for continued success. Its increasing disbursements, growing AUM, and strong profitability provide a solid foundation for future growth. As the company works to expand its product offerings, branch network, and workforce, it will continue to build on its strong market presence.

Incorporating AI into its operations and embracing digital transformation will help the company streamline its processes and remain competitive in the evolving financial landscape. With a clear vision for the future, Poonawalla Fincorp is set to solidify its position as a trusted financial services provider in India. Investors and customers alike can look forward to a bright future as the company continues its impressive growth trajectory.