Rising Success of a Leading NBFC: A Snapshot of Q3 2025 Achievements

The third quarter of 2025 has been remarkable for one of India’s prominent non-banking financial companies (NBFC). Poonawalla Fincorp has achieved significant milestones, reinforcing its position in the financial sector. From record disbursements to an ambitious roadmap for expansion, the company’s recent performance reflects its commitment to growth and innovation.



Record Disbursements and Financial Strength

Poonawalla Fincorp recorded total disbursements of ₹7,150 crore in Q3 2025, marking a substantial increase from the previous quarter’s ₹6,313 crore. This upward trend demonstrates a consistent growth strategy and highlights the company’s ability to meet the evolving demands of its customers.

Additionally, its Assets Under Management (AUM) saw a notable 9% growth on a quarter-on-quarter basis, reaching approximately ₹30,950 crore. These figures not only showcase financial stability but also signal a growing trust among its clients and stakeholders. The company’s liquidity position remains strong, with ₹4,800 crore reported for the year 2024, further solidifying its financial resilience.

Impressive Profitability and Market Confidence

The NBFC’s profitability has been a highlight of its performance. In the September quarter, the company reported a net profit of ₹854.6 crore, reflecting its effective management and operational efficiency. The Net Interest Income (NII) also saw a year-on-year rise of 17.5%, reaching ₹558.4 crore.

Investor confidence has mirrored this financial success. The company’s shares reached an intraday high of ₹329.85 on the Bombay Stock Exchange, driven by robust fundamentals and a clear growth trajectory. This market response underscores the positive sentiment surrounding the company and its future prospects.

Expansion Plans to Boost Market Presence

The NBFC has set ambitious goals to expand its reach and offerings in the coming quarters. Poonawalla Fincorp CEO, Arvind Kapil, has outlined plans to double the workforce, reflecting a commitment to building capacity and meeting the growing demand for its services. The number of branches is set to increase significantly, from the current 100 to 400, within four to six quarters.

Furthermore, the company is diversifying its lending portfolio with six new retail-focused lending businesses. These additions will include loans for gold purchases, used cars, small businesses, and education, catering to a broader customer base. By addressing these diverse financial needs, the company aims to strengthen its position in the competitive NBFC sector.

Adoption of Technology in HR Processes

The NBFC is also leveraging technology to enhance operational efficiency, particularly in its human resources (HR) department. In collaboration with IIT Bombay, it has integrated artificial intelligence (AI) into its HR processes. This includes features like real-time candidate screening, document verification, and quick candidate matching. These advancements have reduced hiring time by 90% and significantly lowered recruitment costs.

The company’s HR team has also introduced a WhatsApp-based bot to assist employees with queries related to leave policies, payroll, and benefits. These initiatives highlight the company’s focus on creating a streamlined and employee-friendly work environment, which is essential for supporting its rapid growth.

Meeting Diverse Customer Needs

With its expansion plans and new services, the NBFC is set to reach a wider audience. By offering products tailored to specific needs, such as education loans and financing for small businesses, it is addressing critical gaps in the market. The addition of used car and gold loans further broadens its appeal, ensuring that a variety of financial requirements are met effectively.

This customer-centric approach is a testament to the company’s commitment to inclusivity and its ability to adapt to changing market dynamics. By focusing on underserved segments, it not only boosts its business but also contributes to financial inclusion in the country.

Commitment to Sustainable Growth

The company’s success lies in its balanced approach to growth and innovation. By maintaining transparency in financial reporting and prioritizing sustainable practices, it has built a strong reputation as a reliable financial institution. These values are integral to its long-term strategy and ensure continued trust among stakeholders.

Moreover, its investment in technology and human resources demonstrates a forward-thinking approach. These efforts not only enhance operational efficiency but also position the company as a leader in adopting modern practices in the financial sector.

Looking Ahead

As the company moves forward, its focus remains on achieving greater milestones. The combination of financial strength, customer-centric offerings, and technological innovation sets a solid foundation for continued success. The planned expansion of branches, workforce, and lending services will further enhance its market presence and drive sustained growth.

The achievements of Q3 2025 are just the beginning of a promising journey. By staying true to its core values and embracing opportunities for improvement, the NBFC is poised to make an even greater impact in the financial industry

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