Poonawalla Fincorp Leverages AI to Fast-Track Property Acquisition for Tier 2, 3 Expansion

Mumbai, July 31, 2025: Poonawalla Fincorp Limited (PFL), a Cyrus Poonawalla Group-promoted NBFC focused on consumer and MSME lending, announced the deployment of four AI-led solutions, comprising one Agentic AI solution and three AI-powered systems, as part of its enterprise-wide digital transformation journey on Thursday.

These include an agentic AI-powered data quality index (DQI), an infrastructure management solution, a proprietary fin bot for financial intelligence and an AI-led invoice management system, all aimed at enhancing speed, precision, and scalability across key business functions.

These deployments reflect PFL’s continued shift towards building an organisation where AI becomes foundational to how the business operates and scales. Rather than solving in silos, the company is focused on deploying systems that can learn, adapt and deliver impact across functions—from risk and compliance to infrastructure and finance. Each solution is designed to simplify complexity with clarity and accelerate the company’s ambition to lead as a digitally confident, operationally agile NBFC.

“We’re not treating AI as a one-time upgrade. It’s a long-term capability we are building deliberately across the organisation, grounded in responsible use and real business relevance,” said Arvind Kapil, MD and CEO, Poonawalla Fincorp.

“Our aim is to embed intelligence into the very fabric of how we operate, enabling faster decisions, sharper insights and stronger outcomes. This is about shaping an organisation that is not just digitally enabled, but fundamentally future-ready.

AI-Powered Infrastructure Management

Solution: PFL also introduced an AI-powered infrastructure solution that streamlines property acquisition to facilitate its 400 phase-wise branch expansion across Tier 2 and 3 cities. The solution validates regionally prepared legal documents, such as title deeds, municipal records and NOCs, through multilingual translation and intelligent data extraction.

It generates internal validation reports that cross-check external title search reports, enhancing governance, reducing human error and enabling decisions in under five minutes after document upload compared to the earlier two to three-day turnaround.

Agentic AI for DQI

PFL has unveiled an agentic AI solution for DQI designed to autonomously drive operational data integrity at scale. It is a self-driven system that understands internal business needs and external regulatory requirements, reduces manual intervention and delivers audit-ready transparency. With features such as anomaly detection, self-adaptive validation logic that evolves with new requirements, and context-aware data validation, the solution empowers smarter, compliant and scalable operations across business lines.

Fin Bot for Financial Intelligence: 

Expanding its transformation efforts into finance operations, PFL introduced Fin Bot, an advanced AI-powered financial intelligence solution designed to deliver precision-driven financial analysis backed by meaningful insights on both internal and competitive performance.

Developed entirely in-house, the solution aggregates data from multiple systems into a centralised repository and offers customised reports across key financial metrics. It enhances governance by reducing the risk of errors and enabling informed decision-making, while significantly improving turnaround times for disclosures.

AI-Powered Invoice Management Solution

PFL also introduced an AI-powered invoice management solution that automates the reading and validation of sourcing channel invoices based on predefined policies and compliance standards. By harnessing machine learning and AI-vision models, the system enhances accuracy, reduces manual effort and expedites processing, allowing the finance team to handle surging invoice volumes with improved precision. The solution supports scalable, policy-driven approvals across departments, streamlining financial workflows, minimising operational overhead and empowering teams to focus on more strategic initiatives.

At PFL, AI will emerge as a strategic differentiator and game-changer across core areas, right from risk calibration and fraud detection to marketing, compliance, HR, governance, audit and underwriting quality assessment. The company is actively scaling its AI efforts with 35 projects, of which 8 have been completed. PFL continues to deepen its commitment to its AI-first approach, driving intelligent automation, accuracy and future-ready innovation.