Poonawalla Fincorp Limited (PFL), a non-banking financial company backed by the Cyrus Poonawalla Group and focused on consumer and MSME lending, has announced the implementation of four advanced AI-based systems. These include one agentic AI solution and three AI-powered platforms designed to strengthen the company’s digital transformation across operations and finance.
The newly launched technologies are a Data Quality Index powered by Agentic AI, an AI-enabled Infrastructure Management System, an in-house developed Fin-Bot for financial insights, and an AI-led Invoice Management platform. Each is aimed at driving speed, accuracy, and scalability, helping PFL shift towards a more integrated and intelligent business model.
Commenting on this development, Arvind Kapil, MD & CEO of PFL, said, “AI is not just a feature—it’s a core capability we’re embedding across every layer of our operations. Our goal is to build an organisation that’s agile, informed, and future-ready. These systems reflect our focus on making better decisions, faster and with greater accuracy.”
Poonawalla Fincorp’s deployment of Agentic AI for its Data Quality Index (DQI) marks a significant step in automating and improving data accuracy. This advanced solution is designed to autonomously manage data quality at scale, reducing the need for manual intervention. It adapts to evolving business and regulatory requirements using features such as anomaly detection and self-adjusting validation logic. The result is a more reliable, transparent, and audit-ready data environment across the organisation.
The AI-powered Infrastructure Management platform is tailored to support the company’s expansion across Tier 2 and Tier 3 cities. It streamlines the review of regional legal property documents—such as title deeds, municipal records, and no-objection certificates—by using multilingual translation and intelligent data extraction. This solution generates internal validation reports that cross-check with external title search reports, significantly reducing errors and bringing down decision-making time from several days to just a few minutes.
Fin-Bot, PFL’s in-house developed financial intelligence engine, centralises data from various systems to provide actionable insights and customised reports. It is designed to enhance transparency and governance by minimising reporting errors and improving turnaround time for financial disclosures. By simplifying access to key financial metrics, Fin-Bot supports quicker and more informed decision-making at all levels of the organisation.
To handle growing invoice volumes, PFL has also introduced an AI-led Invoice Management solution. This system uses machine learning and AI vision models to automate the reading, validation, and approval of invoices based on pre-set compliance standards. It reduces the need for manual processing, accelerates approval timelines, and improves accuracy, enabling the finance team to manage higher workloads more efficiently while maintaining policy compliance.
Looking ahead, PFL plans to expand its AI strategy into core areas such as fraud detection, marketing, compliance, governance, HR, audit, and underwriting. Of 35 AI-led initiatives in the pipeline, eight have already been successfully implemented. The company continues to invest in intelligent automation, reinforcing its vision to lead as a data-smart, digitally advanced NBFC.
