Poonawalla Fincorp Limited (PFL) has announced the deployment of five new artificial intelligence-led enterprise solutions as part of its ongoing AI-first transformation.
The initiatives extend the use of AI across strategic decision-making, customer onboarding, data governance, customer experience analytics and software development, reinforcing the company’s ambition to build a digitally fluent, data-driven and highly scalable financial institution.
The new AI deployments are designed to embed intelligence directly into core business processes rather than treating AI as a standalone capability. By integrating AI across pricing strategy, compliance workflows, data validation and technology development, PFL aims to convert insights into timely action while improving consistency, speed and accuracy across operations.
One of the key deployments focuses on competitive intelligence, where AI continuously tracks changes in competitor pricing, product positioning and engagement patterns, translating market signals into decision-ready insights that support faster responses to evolving market dynamics. In customer onboarding, the newly introduced central KYC AI platform applies automated validation at the entry point, improving accuracy and materially reducing manual intervention while strengthening turnaround times.
To address data integrity at scale, PFL has introduced an agentic data quality intelligence framework that monitors data across systems, flags anomalies and adapts validation rules as requirements change. This ensures that data used for reporting, risk management and business decisions remains accurate, traceable and audit-ready. The company has also deployed an AI-led voice of customer solution that structures unorganised customer feedback into actionable themes, enabling quicker resolution and clearer ownership of recurring issues.
In the technology function, PFL has launched an AI-powered development assistant that supports engineers throughout the application development lifecycle. Integrated into the existing technology stack, the solution assists with code creation, identifies potential issues before deployment and improves reuse and efficiency, accelerating delivery while maintaining development standards.
Commenting on the rollout, Arvind Kapil, Managing Director and CEO, Poonawalla Fincorp, said that AI is reshaping how organisations think, decide and compete. He added that the company’s focus is on responsible AI adoption that combines machine precision with human judgement to strengthen trust, sharpen decision-making and build long-term competitive advantage.
AI continues to play an expanding role across PFL’s operations, spanning areas such as risk calibration, fraud detection, marketing, compliance, governance, audit and underwriting quality assessment. During the quarter, the company initiated 12 new AI projects, taking the organisation-wide total to 57 initiatives, of which 30 have already been completed.
Poonawalla Fincorp Limited is a Cyrus Poonawalla Group-promoted, non-deposit taking, systemically important non-banking financial company registered with the Reserve Bank of India. The company has been operating for nearly three decades and is listed on BSE and the National Stock Exchange of India. As of 31 December 2025, it reported assets under management of Rs 55,017 crore and employed 5,264 people, offering a wide range of lending products across retail, commercial and professional segments.
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