Poonawalla Fincorp Limited (PFL), a leading player in Consumer & MSME Lending, has announced the implementation of a cutting-edge AI-powered debt management platform.  

This transformative solution aims to revolutionise PFL’s debt management processes, enhancing operational efficiency, and reshaping the collections journey in the lending sector. 

Advanced AI Platform for Enhanced Efficiency 

The newly implemented AI-powered debt management platform uses a highly advanced engine to autonomously analyse customer data from a variety of touchpoints, including digital communications, tele-calling, and field operations. By utilising a multi-layered, multi-channel intervention mechanism, the platform reduces the time spent on manual tasks by 4-5 days, streamlining the entire debt collection process. It also allows for the use of over 100 micro-strategies tailored to each customer’s profile, preferred communication channels, and optimal engagement times. 

One of the key features of this platform is its automated channel allocation process. Previously taking 3-4 days, the process is now completed in under 3 hours, enabling faster customer engagement post-delinquency through tele-calling and field channels. This drastic reduction in time ensures prompt communication and improved collections. 

Smarter Decision-Making with AI & GenAI Integration 

The platform also integrates AI and machine learning-driven predictive models, which provide a more accurate risk assessment. Compared to traditional methods, this AI-first approach delivers 2-3X sharper risk assessments, enhancing PFL’s ability to make smarter, data-backed decisions. Additionally, a GenAI-enabled automated call audit system monitors collection agents’ interactions, ensuring compliance with governance standards and improving accountability. 

Mr Arvind Kapil, Managing Director & CEO of Poonawalla Fincorp, said, “Our adoption of AI in debt management is not just about automation, it’s about smarter, data-driven decisions that improve outcomes. By combining predictive insights with governance controls, we are redefining collection strategies to be more effective, adaptive, and responsive to customer engagement.” 

Poonawalla Fincorp Share Price Performance 

On April 28, 2025, Poonawalla Fincorp share price (NSE: POONAWALLA) opened at ₹369.00, down from its previous close of ₹380.40. At 1:41 PM, the share price of Poonawalla Fincorp was trading at ₹383.20, up by 0.74% on the NSE. 

Also Read: Poonawalla Fincorp Launches Consumer Durable Loans and Digital EMI Card! 

Conclusion 

With its risk-first approach, Poonawalla Fincorp continues to innovate and simplify the lending process. The integration of AI technology in debt management not only improves efficiency but also elevates customer engagement and satisfaction, ultimately reinforcing the company’s commitment to delivering better financial experiences. 

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. 

Investments in the securities market are subject to market risks, read all the related documents carefully before investing. 

Sonata Software has announced a transformative engagement worth $73 million with a major US-based company in the Technology, Media, and Telecom (TMT) sector.  

This multi-year partnership will span five years, focusing on driving the client’s digital strategy to enhance scalability, accelerate innovation, and optimise IT operations using an AI-first approach. 

Post the announcement, on April 28, 2025, Sonata Software share price (NSE: SONATSOFTW) opened at ₹337.90, the same as its previous close of ₹337.90. At 1:09 PM, the share price of Sonata Software was trading at ₹364.85, up by 7.98% on the NSE. 

AI-First Outsourcing Model to Drive Innovation 

Sonata Software was selected for this strategic collaboration due to its robust engineering expertise, agile delivery model, and proven success in spearheading AI-powered business transformations.  

The company will establish a dedicated AI-enabled Modernisation Engineering Center in India to manage the extensive scope of the project. This center will focus on several key areas of the client’s operations, including platform engineering, cloud transformation (specifically using Amazon Cloud), enterprise systems such as Salesforce and Workday, cybersecurity, data services, and modern application development. 

The AI-first outsourcing model will underpin all of these initiatives, providing the client with a scalable, efficient, and automated solution. Sonata’s commitment to automation and engineering excellence ensures that this project will drive measurable improvements across the client’s IT landscape. 

Enhancing Global Scalability and Innovation 

Through this engagement, Sonata aims to help the client realise operational efficiency, reduce innovation cycles, and increase agility, allowing for scalable operations across different geographical regions. The strategic partnership will enhance the client’s leadership position in the highly competitive and rapidly evolving TMT industry. 

The Managing Director and CEO of Sonata Software, Samir Dhir, said, “This is the second-largest deal in Sonata’s history, and a proud milestone for Team Sonata. It reflects our unique positioning as a right-sized partner for enterprises seeking deep modernisation capabilities and AI-first transformation. We are excited to help our client unlock new speed, agility, and digital resilience levels.” 

Also Read: IDFC FIRST Bank Share Price in Focus; Reports 25% YoY Deposit Growth in FY25!

Conclusion 

Sonata Software’s landmark $73 million deal with the US-based TMT company reflects the firm’s growing prominence in the digital transformation space. With a clear focus on AI and automation, Sonata is well-positioned to support its clients in their quest for operational excellence and global scalability. This partnership is a significant milestone, demonstrating Sonata’s ability to drive long-term innovation through strategic IT engagements. 

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. 

Investments in the securities market are subject to market risks, read all the related documents carefully before investing. 

On April 28, 2025, at 12:01 PM, the NIFTY 50 stood at 24,287.15, up by 1.03%, while the BSE Sensex rose to 80,095.62, gaining 883.09 points (1.11%). The mid-day top gainers and losers  for the day are: 

Mid-Day Top Gainers  

Reliance Industries 

Reliance Industries share price opened at ₹1,340.00, reached a high of ₹1,359.60, and is currently at ₹1,358.60, reflecting a 4.48% rise for the day. 

Bharat Electronics Limited (BEL) 

BEL share price opened at ₹296.00, reached a high of ₹307.35, and is currently at ₹306.10, reflecting a 2.86% rise for the day. 

Sun Pharmaceutical Industries 

Sun Pharmaceutical Industries share price opened at ₹1,787.40, reached a high of ₹1,836.90, and is currently at ₹1,835.70, reflecting a 2.70% rise for the day. 

JSW Steel  

JSW Steel share price opened at ₹1,021.40, reached a high of ₹1,057.50, and is currently at ₹1,055.90, reflecting a 2.83% rise for the day. 

Tata Steel  

Tata Steel share price opened at ₹138.54, reached a high of ₹142.60, and is currently at ₹142.15, reflecting a 2.38% rise for the day. 

Mid-Day Top Losers 

Shriram Finance 

Shriram Finance share price opened at ₹622.70, reached a low of ₹596.15, and is currently at ₹627.25, down by 4.27%. 

Eternal (Zomato) 

Eternal share price opened at ₹226.00, touched a low of ₹225.06, and is now at ₹226.88, reflecting a 0.84% decline for the day. 

Bajaj Finance 

Bajaj Finance share price opened at ₹9,080.00, touched a low of ₹9,000.50, and is now at ₹9,044.00, reflecting a 0.75% decline for the day. 

HCL Technologies  

HCL Technologies share price opened at ₹1,565.00, touched a low of ₹1,537.10, and is now at ₹1,549.80, reflecting a 0.67% decline for the day. 

Nestle India  

Nestle India share price opened at ₹2,400.00, touched a low of ₹2,390.10, and is now at ₹2,400.00, reflecting a 0.56% decline for the day. 

Also Read: Sensex Surges 800 Points, Nifty 50 Reclaims 24,200: Why the Share Market is Rising?

Conclusion 

The broader market showed strong recovery by mid-day on April 28, 2025, with major indices and top gainers reflecting positive momentum. However, select stocks like Bajaj Finance and Nestle India were in the red. 

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. 

Investments in the securities market are subject to market risks, read all the related documents carefully before investing. 

Indraprastha Gas Limited (IGL) has been in focus on Monday. On April 28, 2025, IGL share price opened at ₹180.59, up from its previous close of ₹178.20. At 10:41 AM, the share price of IGL was trading at ₹183.38, up by 2.91% on the NSE. The share price touched its day’s high so far at ₹184.90.  

Revenue and Profitability Overview 

Indraprastha Gas Limited reported its financial performance for Q4 FY25, with the company seeing a 9% decline in net profit year-on-year. The standalone net profit for the quarter stood at ₹349.23 crore, compared to ₹382.80 crore in Q4 FY24.  

Despite the profit decline, the company saw an increase in revenue from operations, which amounted to ₹4,340.50 crore in Q4 FY25, up from ₹3,964.42 crore in the same period last year. 

EBITDA Performance 

IGL’s earnings before interest, taxes, depreciation, and amortisation (EBITDA) showed a decline of 5% year-on-year, falling to ₹497.23 crore in Q4 FY25 from ₹522.55 crore in Q4 FY24.  

For the financial year ended March 31, 2025, IGL reported a decline in the percentage of EBITDA to net revenue from operations, which stood at 13% compared to 17% in the previous year (FY24). 

Sales Volume and Adjusted EBITDA 

The company’s sales volume grew by approximately 4% in Q4 FY25, signalling consistent demand for its services. Total volumes for the financial year ended March 31, 2025, stood at 3,280.87 million standard cubic meters (Scm), reflecting a 6% growth compared to 3,084.47 million Scm in FY24.  

Dividend Announcement 

In addition to the financial performance, IGL’s board also recommended a final dividend of ₹1.5 per share, or 75% of the face value, for FY25, subject to shareholder approval at the Annual General Meeting (AGM). 

About Indraprastha Gas Limited  

Founded in 1998, Indraprastha Gas Limited (IGL) specialises in city gas distribution within the National Capital Territory of Delhi. Additionally, IGL supplies gas to nearby regions including Noida, Greater Noida, Ghaziabad, Hapur, Gurugram, Meerut, Shamli, Kanpur, Muzaffarnagar, Karnal, Rewari, Hamirpur, Fatehpur, Ajmer, Pali, and Rajasmand. 

IGL is a joint venture established by GAIL (India) Limited and Bharat Petroleum Corporation (BPCL), with the Government of NCT of Delhi holding a 5% equity stake. 

Also Read: Rallis India PAT at ₹-32 Crore in Q4 FY25!

Conclusion 

Despite a slight decline in net profit, IGL has demonstrated steady growth in revenue and operational efficiency in Q4 FY25. The company’s improved EBITDA margin and increased sales volume reflect its position in the natural gas sector.  

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. 

Investments in the securities market are subject to market risks, read all the related documents carefully before investing. 

India Cements Ltd has declared its audited financial results for the quarter and year ended March 31, 2025. 

Post the announcement, on April 28, 2025, India Cements share price opened at ₹294.00, up from its previous close of ₹287.80. At 10:06 AM, the share price of India Cements was trading at ₹286.50, down by 0.45% on the NSE. 

Revenue Performance 

For the quarter ended March 31, 2025, the company reported revenue from operations of ₹1,197.30 crore, compared to ₹940.81 crore in the previous quarter. However, on a year-on-year (YoY) basis, revenue declined from ₹1,235.74 crore in Q4 FY24. 

For the full year FY25, the Revenue from Operations stood at ₹4,148.78 crore, lower than ₹4,997.85 crore recorded in FY24. 

The total income, including other income, was ₹1,223.61 crore for Q4 FY25 and ₹4,357.31 crore for the full year, as against ₹5,056.08 crore in FY24. 

Profit and Loss Overview 

India Cements posted a net loss of ₹143.68 crore for the full year FY25, a slight improvement from a loss of ₹227.34 crore in FY24. For Q4 FY25, the company reported a net profit of ₹14.68 crore, marking a recovery compared to a loss of ₹60.55 crore in the corresponding quarter of the previous year. 

India Cements Announces Scheme of Amalgamation 

India Cements has announced that the Board of Directors, in its meeting held on April 26, 2025, approved the draft Scheme of Amalgamation involving its wholly-owned subsidiaries, ICL Financial Services Limited, ICL Securities Limited, ICL International Limited, and India Cements Infrastructures Limited (collectively referred to as the “Transferor Companies”), with the parent company, India Cements Limited (the “Transferee Company”). 

The amalgamation is set to be effective from January 1, 2025, subject to necessary statutory and regulatory approvals, including the sanction of the Hon’ble National Company Law Tribunal (NCLT), Chennai Bench. Upon effectiveness, the entire share capital of the Transferor Companies held by the Transferee Company will be cancelled without further action. 

The Scheme will be available on the company’s website post submission to BSE and NSE. This restructuring aims to streamline operations and strengthen the company’s financial position. 

Also Read: Best Cement Stocks in India in April 2025 – Based on 5Y CAGR!

Conclusion 

Despite a tough year with revenue and annual profitability pressures, India Cements managed to close FY25 with a profitable Q4.  

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. 

Investments in the securities market are subject to market risks, read all the related documents carefully before investing. 

IDFC FIRST Bank Limited announced its audited financial results for the quarter and year ended March 31, 2025.  

Post the announcement, on April 28, 2025, IDFC FIRST Bank share price (NSE: IDFCFIRSTB) opened at ₹63.52, down from its previous close of ₹66.08. At 9:57 AM, the share price of IDFC FIRST Bank was trading at ₹65.08, down by 1.51% on the NSE. 

Deposits, Borrowings and Other Businesses 

Customer deposits witnessed strong growth, rising 25.2% YoY to ₹2,42,543 crore from ₹1,93,753 crore a year ago. Retail deposits also increased by 26.4% YoY, reaching ₹1,91,268 crore. CASA (Current Account Savings Account) deposits grew 24.8% YoY to ₹1,18,237 crore, highlighting the bank’s deepening retail franchise. 

The bank’s credit card base crossed the 3.5 million mark during the last quarter, underscoring its success in expanding its retail offerings.  

Wealth management assets under management (AUM), including deposit balances, rose 27% YoY to ₹42,665 crore.  

Additionally, the bank remains the largest issuer of FASTags, with 17.8 million live tags. 

Loans and Asset Quality 

Loans and advances increased 20.4% YoY, growing from ₹2,00,965 crore to ₹2,41,926 crore. The retail, rural, and MSME loan book rose by 18.6% YoY to ₹1,97,568 crore, reflecting the bank’s strategic focus on the retail segment. 

On the asset quality front, the bank showed resilience. Gross NPA improved by 7 basis points (bps) sequentially to 1.87% as of March 31, 2025, compared to 1.94% as of December 31, 2024. Net NPA stood at 0.53%, marginally higher by 1 bps from the previous quarter. 

Financial Performance 

Net Interest Income (NII) grew 9.8% YoY in Q4 FY25, reaching ₹4,907 crore, up from ₹4,469 crore in Q4 FY24. For the full year, NII rose by 17.3% YoY. 

However, the net profit declined. The bank reported a net profit of ₹304 crore in Q4 FY25 compared to ₹724 crore in Q4 FY24. For FY25, net profit fell by 48.4% YoY to ₹1,525 crore, mainly due to challenges in the microfinance sector. 

Capital Position and Dividend 

The Board approved a fresh equity capital raise of ~₹7,500 crore through the issuance of Compulsorily Convertible Preference Shares (CCPS) to affiliates of Warburg Pincus LLC and Abu Dhabi Investment Authority (ADIA), subject to approvals. 

Additionally, a dividend of ₹0.25 per share has been proposed. Post the capital infusion and dividend payout, the CRAR is expected to strengthen to 18.20%, with Tier-I capital at 15.89%. 

Also Read: Can SIPs Help You Save ₹25 Lakh in 10 Yrs for Your Child’s Education?

Conclusion 

Despite a decline in profitability, IDFC FIRST Bank delivered growth in deposits, retail loans, and strengthened its capital base in FY25. The fresh capital infusion and continued retail focus are expected to position the bank for sustainable growth in the coming years. 

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. 

Investments in the securities market are subject to market risks, read all the related documents carefully before investing. 

As we move into May 2025, several companies have announced their dividend payouts. In this article, we will explore the companies that have declared dividends in May 2025, along with the key details such as record date, and payout amount.  

Upcoming Dividends in May 2025  

Benefits of Dividends 

• Regular Income: Dividends can provide a regular income for investors, especially those who rely on their investments for regular cash flow. 

• Reinvestment Opportunities: Investors can choose to reinvest their dividends to purchase more shares of the company, thereby compounding their returns over time. Dividend reinvestment can lead to exponential growth in the number of shares owned, boosting future dividend payouts. 

• Volatility: Dividends can help cushion stock price fluctuations. Even if a company’s stock price decreases, the dividend can offset some of the potential losses. 

Also Read: Which FMCG Giant Delivered Higher Profit in Q4FY25: HUL Vs Tata Consumer Products? 

Conclusion  

Apart from the stocks listed above, there can be several other companies offering dividends in this first quarter of the financial year 2026. However, it’s important for investors to conduct thorough research and consider their financial goals before making investment decisions. Always ensure that your investment choices align with your risk tolerance and financial objectives. 

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. 

Investments in the securities market are subject to market risks, read all the related documents carefully before investing. 

HCL Technologies Limited’s Board of Directors has approved an interim dividend of ₹18 per equity share of ₹2 each for the financial year 2025-2026.  

On April 25, 2025, HCL Technologies share price (NSE: HCLTECH) opened at ₹1,590.00 and closed at ₹1,576.40, down by 0.65%. The stock price touched its day’s low at ₹1,568.10.  

HCL Technologies Interim Dividend Record Date 

The Board of Directors has declared an interim dividend of ₹18 per equity share (face value ₹2 each) for the financial year 2025–26. The record date for determining eligible shareholders is April 28, 2025, and the dividend will be paid on May 6, 2025. 

HCL Technologies FY 2025 Financial Highlights 

For FY 2025, the company reported a revenue of ₹1,17,055 crore, reflecting a 6.5% year-on-year increase. In constant currency terms, revenue grew by 4.7%, while revenue in USD stood at $13,840 million, marking a 4.3% rise. 

The company’s operating profit (EBIT) stood at ₹21,420 crore, accounting for 18.3% of the revenue and showing a 7.0% YoY growth. Net income for the year reached ₹17,390 crore, up 10.8% from the previous year, representing 14.9% of the total revenue. 

Also Read: HCLTech Q4 Results: Net Income Rises 8.1% YoY! 

About HCL Technologies Ltd 

HCL Technologies is a global IT services provider. It offers a wide range of services, including software-led IT solutions, remote infrastructure management, engineering and R&D services, and business process outsourcing (BPO). With operations in 46 countries, HCL Tech leverages its strong offshore infrastructure and global network to deliver integrated multi-service solutions across major industry sectors. 

Conclusion  

The company’s last dividend declaration was an interim dividend and a special dividend of ₹12 and ₹6 per share, respectively, with a record date of January 17, 2025.  

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. 

Investments in the securities market are subject to market risks, read all the related documents carefully before investing.