Poonawalla Fincorp’s Credit AI Fully Adopted in Personal Loans
Filing Summary
Poonawalla Fincorp Limited announced the full adoption of its Credit AI platform in its Personal Loans business. Originally launched in March 2025, Credit AI was developed in collaboration with IIT Bombay to enhance underwriting processes. The company is extending this platform to other loan categories, including Business Loans and Loans Against Property. Additionally, Poonawalla Fincorp introduced four new AI solutions for customer acquisition, risk hindsight, HR support, and business analytics. The company reported an AUM of ₹47,701 crore as of September 30, 2025, and employs 5,081 individuals.
Poonawalla Fincorp Limited has announced the complete adoption of its Credit AI platform within its Personal Loans business. This platform, launched in March 2025 in collaboration with IIT Bombay, aims to improve underwriting productivity by reducing manual efforts and enhancing decision quality. Following its success in Personal Loans, the company plans to extend Credit AI to other loan categories, including Business Loans, Pre-Owned Car Loans, Loans for Professionals, Loans Against Property, and Equipment Finance.
The company has also introduced four new AI-driven solutions. These include a multilingual conversational AI for customer acquisition, an AI-led risk hindsight tool for post-sanction reviews, an HR bot for employee support automation, and a natural-language insights platform for business analytics. These solutions are designed to streamline operations and improve efficiency across various business units.
The conversational AI tool initiates calls to prospective customers, screens them on eligibility parameters, and connects them to a Relationship Manager. The risk hindsight tool automates post-sanction reviews by using OCR and LLM technologies to validate documents and ensure compliance. The HR bot automates document creation and provides responses to routine queries, while the insights platform allows teams to access data through natural language queries.
Poonawalla Fincorp’s AI program has identified 45 projects across risk, credit, compliance, HR, operations, and business. These initiatives are part of the company’s strategy to build a digitally confident and governance-driven organization. The company reported an Assets Under Management (AUM) of ₹47,701 crore as of September 30, 2025, and employs 5,081 individuals.
The company continues to focus on expanding its AI capabilities to enhance operational efficiency and decision-making processes. The introduction of these AI solutions marks a shift from using AI primarily for efficiency to applying it across front-line business levers.
Poonawalla Fincorp Limited is a non-deposit taking systemically important non-banking finance company (ND-SI-NBFC) promoted by the Cyrus Poonawalla group. It is registered with the Reserve Bank of India and has been operational for nearly three decades. The company’s financial services offerings include Loan Against Property, Business Loans, Gold Loans, Consumer Durable Loans, Education Loans, Digital Personal Loans, Prime Personal Loans, Commercial Vehicle Loans, Mid-Market & NBFC Loans, Pre-Owned Car Finance, Loans for Professionals, Machinery Loans, and Shopkeeper Loans.