Poonawalla Fincorp's Credit AI platform transforms personal loans

On December 10, 2025, Poonawalla Fincorp Limited (PFL) revealed that its Credit AI, an underwriting intelligence platform launched in March 2025 in collaboration with IIT Bombay, has achieved full adoption in the personal loans business. This integration has led to substantial improvements in underwriting productivity, decision quality, and credit evaluation speed by reducing manual effort. Following this success, PFL plans to expand Credit AI to other segments, including business loans, pre-owned car loans, loans for professionals, loans against property, and equipment finance.

PFL also introduced four new AI solutions across customer acquisition, risk hindsight, HR support, and business analytics, enhancing front-line business operations. These solutions include a conversational AI agent for customer acquisition, an AI-powered system for post-sanction reviews, an agent-driven HR bot called PAI@HR for employee support, and DART Genie, a natural-language insights platform for business insights and decision support.

As of September 30, 2025, PFL reported assets under management (AUM) of ₹47,701 crore and employed 5,081 people. The company's financial services portfolio includes various offerings such as loan against property, gold loans, and digital personal loans.