Strong Quarter Performance and Ambitious Growth Plans Drive Success for Pune NBFC

Pune-based Poonawalla Fincorp has recently reported a remarkable growth spurt in Q3 of 2025, driven by impressive financial results and a clear roadmap for future expansion. With substantial increases in both disbursements and Assets Under Management (AUM), the company has positioned itself as a strong player in the financial services sector. These positive results have created a sense of optimism among investors, making the firm one to watch in the coming quarters.

Impressive Financial Results: Disbursements and AUM Surge

For the third quarter of 2025, Poonawalla Fincorp reported total disbursements of Rs 7,150 crore, a notable rise from Rs 6,313 crore in the previous quarter. This growth is a testament to the increasing demand for its loan offerings and the company’s ability to meet customer needs in various segments. The company’s Assets Under Management (AUM) grew by 9% quarter-on-quarter, reaching Rs 30,950 crore, highlighting the company’s strong market presence and expanding customer base.

Additionally, Poonawalla Fincorp’s liquidity position remains robust, with a liquidity reserve of Rs 4,800 crore as of 2024. This solid financial base allows the company to remain agile and continue its growth strategy without facing liquidity constraints. Investors have reacted positively to these results, with the company’s stock reaching an intraday high of Rs 329.85 on the Bombay Stock Exchange, reflecting growing confidence in its future prospects.

Net Profit and NII Growth Reinforce Investor Confidence

The company’s financial success is further demonstrated by its impressive net profit for the September quarter, which stood at Rs 854.6 crore. In addition to this, Poonawalla Fincorp saw a 17.5% year-on-year increase in Net Interest Income (NII), which totaled Rs 558.4 crore. These figures are a clear indicator of the company’s solid performance and growing profitability, all of which contribute to investor confidence in its ability to deliver consistent returns.

These results provide a strong foundation for Poonawalla Fincorp’s ambitious plans. Investors are encouraged by the company’s focus on sustainable growth, solid financials, and its positive track record in increasing its revenue streams, which signals a promising future for the company.

Ambitious Plans for Expansion and Market Reach

Poonawalla Fincorp is not just resting on its laurels, though. The company has set its sights on an even more ambitious future. CEO Arvind Kapil shared the company’s plans to double its workforce over the next four to six quarters, signaling its readiness for significant expansion. This growth in staff will be accompanied by the launch of six new retail-focused lending businesses that will complement its existing portfolio. These new businesses are expected to target high-demand sectors such as gold loans, used car loans, small business loans, and education financing.

The company also plans to expand its physical footprint by increasing the number of its branches from around 100 to 400 in the same time frame. This move will not only increase the company's market share but will also give it the ability to cater to a wider audience across various regions. This ambitious branch expansion will strengthen its reputation as a reliable and easily accessible financial institution, giving it the resources to serve even more customers effectively.

Leveraging Technology for Operational Efficiency

In addition to expanding its services and reach, Poonawalla Fincorp has adopted technology-driven solutions to enhance its internal processes. The company has partnered with IIT Bombay to integrate artificial intelligence (AI) into its Human Resources (HR) operations, reducing hiring times by 90%. This AI-driven approach has streamlined candidate matching, document verification, and real-time candidate screening, making the recruitment process faster and more efficient. This focus on technology not only saves valuable time but also contributes to reducing operational costs, ensuring the company remains competitive as it scales its operations.

Moreover, the HR department has rolled out a WhatsApp bot to support employees with queries related to leave, payroll, benefits, and company policies. This initiative not only improves employee experience but also highlights Poonawalla Fincorp’s commitment to leveraging technology to create a more efficient and responsive work environment.

A Strategic Overhaul and a Bright Future

The company’s recent performance is part of a larger strategic overhaul that includes a shift toward more secure lending practices and a revamp of its leadership team. Chairman Adar Poonawalla has emphasized that these initiatives, following the acquisition of Magma Fincorp, are designed to strengthen the company’s position in the market. By focusing on secure lending and improving its collections process, Poonawalla Fincorp is ensuring that it remains on a sustainable growth path.

Furthermore, the appointment of industry veteran Amit Kumar Singh as Head of Payments and Cards reflects the company’s push toward digital growth. With over two decades of experience, Singh is expected to play a key role in shaping the company’s digital strategy, particularly in payments, and ensuring its continued success in an increasingly digital-first world.

Conclusion: Positioned for Long-Term Success

With strong financial results, a clear expansion strategy, and an eye toward innovation, Poonawalla Fincorp is poised to continue its upward trajectory. The company’s impressive growth in Q3 2025, combined with its plans for branching out into new retail lending businesses and increasing its market presence, makes it a standout player in the NBFC sector.

Its focus on improving operational efficiency through AI, expanding its workforce, and adopting cutting-edge technologies further sets the company up for long-term success. With the leadership team’s vision and the continued support of investors, Poonawalla Fincorp is well-positioned to achieve its ambitious goals and solidify its place as a trusted financial institution in India. As the company prepares for even greater growth in the future, it remains a promising choice for investors and a reliable partner for customers looking for diverse financial solutions.