Poonawalla Fincorp Limited has launched Business Loan 24/7, a groundbreaking, fully digital loan solution specifically designed for micro, small, and medium enterprises (MSMEs).
This industry-first initiative introduces a digital risk assessment model that promises instant loan approvals with a risk-calibrated approach, tailored for the credit requirements of India’s rapidly growing MSME sector.
Business Loan 24/7 offers MSMEs an entirely digital onboarding experience via Straight Through Processing (STP), eliminating the need for physical documentation or branch visits. The platform integrates seamlessly with India’s digital public infrastructure, such as GSTN, account aggregators, and credit bureaus, ensuring secure, data-backed credit decisions.
Using real-time digitised data, the platform enhances risk evaluation by looking beyond traditional metrics to assess creditworthiness. This enables responsible lending to growth-ready MSMEs while minimising risk exposure for the lender.
Targeting MSMEs across Tier 1, Tier 2, and Tier 3 cities, the solution is designed for businesses in the retail, manufacturing, trade, and services sectors. With flexible repayment options and instant approvals, the offering empowers entrepreneurs with timely access to credit, supporting their expansion and working capital needs.
Mr Arvind Kapil, MD & CEO of Poonawalla Fincorp, emphasised the strategic importance of the MSME sector in India’s $4 trillion economy. He stated, “MSMEs will drive credit growth in the coming decade, supported by India’s robust digital infrastructure. This product, built with strong risk analytics, provides a competitive edge and positions us for sustainable, sensible portfolio expansion.”
Following the positive reception of its 24/7 lending platform for salaried professionals, Poonawalla Fincorp is extending this innovation to business lending. The company aims to strengthen its digital lending portfolio quarter-on-quarter, leveraging technology and analytics to build a scalable and risk-managed platform.
On June 9, 2025, Poonawalla Fincorp share price opened at ₹426.90, up from its previous close of ₹421.10. At 9:36 AM, the share price of Poonawalla was trading at ₹426, up by 1.16% on the NSE.
Also Read: Poonawalla Fincorp to Raise Funds Worth ₹750 Crore via NCD Issue!
With Business Loan 24/7, Poonawalla Fincorp is reshaping MSME financing in India. By combining technology, data integration, and advanced risk modelling, the company offers a pioneering solution that aligns with India’s digital and economic ambitions. This strategic move is expected to enhance credit access, fuel MSME growth, and solidify PFL’s position as a leading digital NBFC in the country.
Disclaimer: This blog has been written exclusively for educational purposes. The securities mentioned are only examples and not recommendations. This does not constitute a personal recommendation/investment advice. It does not aim to influence any individual or entity to make investment decisions. Recipients should conduct their own research and assessments to form an independent opinion about investment decisions.
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Published on: Jun 9, 2025, 9:48 AM IST
Nikitha Devi
Nikitha is a content creator with 6+ years of experience in the financial domain. Specialising in personal finance, investments, and market insights, Nikitha simplifies complex financial topics, making them accessible to readers.
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