Reserve Bank of India Transforms Digital Lending with WSO2, Cutting Loan Processing Time from Weeks to Minutes

Bengaluru, India – May, 26, 2025 – The Reserve Bank India (RBI) has revolutionized India’s lending ecosystem by launching the Unified Lending Interface (ULI), a secure, centralized platform that streamlines access to financial data for lenders. Powered by WSO2’s API Management and Identity solutions, the initiative has significantly reduced loan processing times from up to six weeks to just a few minutes, marking a major milestone in India’s financial sector.

Lenders in India were grappling with the challenge of accessing both financial and non-financial data needed for making informed decisions in the digital credit space. The challenges of multiple siloed data sources scattered across entities such as Central and State government authorities, Fintechs, Techfins, Account Aggregators, Credit Information Companies, and Digital Identity Authorities, led to lenders having to individually connect with each data source. This made credit underwriting highly cumbersome, time-consuming, and costly, giving rise to operational inefficiencies and hindering seamless digital lending.

Recognizing these challenges, RBI and Reserve Bank Innovation Hub (RBIH) aligned their efforts with India’s broader Digital Public Infrastructure (DPI) initiatives. This move aimed to build a more interconnected financial ecosystem, one that supports innovations like embedded finance, AI-driven lending models, and real-time decision-making—transforming the way credit is delivered across the country.

Leveraging WSO2 API Manager and WSO2 Identity Server, RBIH was able to

• Cut down loan processing time from 4-6 weeks to a few minutes with the integration of real-time data across varied sources and automated workflows significantly reducing the time consumed for loan processing
• Establish a unified all-encompassing platform, eliminating the need for individual, complex connections with various data providers and minimizing operational costs and complexity
• Bridge the financial gap for underserved communities by leveraging alternative credit data beyond traditional credit scores and fostering greater financial inclusion
• Implement a simplified and seamless user onboarding process by enabling hassle-free self-registration, making it easier for underserved communities to access lending services
• Leverage analytics for actionable insights into user behavior, allowing RBIH to fine-tune the platform for better user experience, spot trends in usage and facilitate informed data-driven decisions
• Reinforce data security and compliance with secure API traffic management and encryption, ensuring all borrower data is handled safely, while adhering to data protection regulations

Muthoot FinCorp Reports 39.86% Net Profit Growth in FY25 with Y-O-Y Revenue Up by 38.22%

Trivandrum, May 26, 2025: Muthoot FinCorp Limited, the flagship company of the 138-year-old Muthoot Pappachan Group, also known as Muthoot Blue, reported a net profit growth of 39.86% for FY25, reaching ₹787.15 crore, up from ₹562.81 crore in FY24. Year-on-year (Y-O-Y) revenue stood at ₹5,550.53 crore, a 38.22% increase from ₹4,015.77 crore. Disbursements for the year were ₹66,277.31 crore, reflecting a 32.11% growth Y-O-Y.

Revenue for the quarter reached ₹1,478.59 crore, marking a 23.49% increase from ₹1,197.31 crore in Q4 FY24. Assets Under Management (AUM) stood at ₹32,055.17 crore, up 46.22% from ₹21,922.70 crore in the same quarter of the previous year. The standalone net profit for the quarter was ₹191.67 crore, compared to ₹239.79 crore in Q4 FY24, while disbursements rose to ₹19,648.29 crore from ₹14,130.08 crore, a 39.05% increase.

Thomas John Muthoot, Chairman of Muthoot FinCorp Limited, said: “FY25 has been a deeply fulfilling year for us. The 39.86% growth in net profit and over 38% increase in revenue are not just financial achievements—they reflect the enduring trust of our customers, the strength of our purpose, and the dedication of our Muthootians across India. As our non-gold portfolio continues to expand and more households benefit from our inclusive offerings, we remain firmly committed to transforming lives by improving their financial wellbeing. Our journey forward is guided by this purpose and a deep responsibility to serve India’s aspiring millions.”

Mr. Shaji Varghese, CEO of Muthoot FinCorp added: “FY25 was a year of substantial progress, marked by the effective execution of our growth strategy. Our diversified product portfolio, comprising over three dozen offerings beyond our flagship gold loan, enabled us to serve a larger customer base, addressing their varied lifecycle needs. Notably, non-gold revenue now accounts for over 15% of our total revenue, underscoring the value proposition we bring to our customers. As we move forward, our focus remains on sustaining this momentum and cementing our position as a trusted financial partner for India’s lower-middle-income segment, ultimately contributing to our purpose of transforming lives through improved financial well-being.”

The Board of Directors has also approved the raising of up to ₹8,000 crore through the issuance of Non-Convertible Debentures (NCDs), Subordinated Debt, Perpetual Debt, and Commercial Papers (CPs) during the current financial year, to support the Company’s growth and capital requirements.

Anupam Rasayan India Limited Reports Q4 & FY25 Results

Surat/ Mumbai, May 26, 2025: Anupam Rasayan India Ltd., one of India’s leading custom synthesis and specialty chemical player, has announced its financial results for the quarter ended March 31, 2025.

Consolidated Financial Highlights for year ended March 31, 2025:

•  Total revenue for FY25 was at ₹14,485 million as compared to ₹15,053 million in FY24; down 4% YoY.
•  EBITDA (incl. other income) was at ₹4,123 million in FY25 as compared to ₹4,109 million in FY24, this would translate into 28% EBITDA margin in FY25.
• Profit After Tax was at ₹1,600 million in FY25 as compared to ₹1,674 million in FY24.

Consolidated Financial Highlights for Quarter ended March 31, 2025:

• Total revenue for Q4FY25 was at ₹5,057 million as compared to ₹4,130 million in Q4FY24; up 22% YoY.
•  EBITDA (incl. other income) was at ₹1,500 million in Q4FY25 as compared to ₹1,047 million in Q4FY24, up 43% and this would translate into 30% EBITDA margin in this quarter.
•  Profit After Tax was at ₹629 million in Q4FY25 as compared to ₹405 million in Q4FY24; up 56% YoY.

Speaking on the performance, Mr Anand Desai, Managing Director, Anupam Rasayan commented, “Consolidated revenue for the quarter Q4FY25 stood at INR 506 crores registering a growth of 22% YoY and 31% QoQ. Consolidated revenue for the full year FY25 stood at INR 1,448 crores registering a degrowth of 4% YoY. This performance was supported by growth in pharma and polymer coupled with strong performance from Tanfac. Margins have remained consistent this quarter, reflecting our focus on operational efficiency and a favourable product mix.

While H1 FY25 was subdued due to weak macro conditions, I am pleased to share that H2 has shown clear signs of recovery — particularly in Q4 FY25 where we have seen meaningful improvement with sales increasing both year- on-year and sequentially. We remain confident in our ability to return to the historical growth rates achieved prior to the recent slowdown.”

S Chand delivers best Q4 Working Capital metrics in the company’s history in FY25

New Delhi, May 26th, 2025. S Chand Publishing, India’s leading education content publisher and book publisher reported its results for the fourth quarter & for the financial year ending 31st March 2025.

HIGHLIGHTS OF FY25 RESULTS

Some of the highlights of the FY25 results are as follows:

Improved Gross Margins by over 500bps in the past 5years,

Improved EBITDA Margins by 590bps in the past 5years,

Consistently generated Operating Cash flows of ~Rs1,000m every year over the past 5 years,

During FY25, delivered EBITDA Margin of 18.8% which is at the higher end of our guided range of 17%-19%,

During FY25, Operating income of Rs798m (Up 65%YoY),

Best Q4 Working Capital Efficiency in the company’s history,

Announces Interim dividend of Rs4/share (vs. Final Dividend of Rs3/share in FY24)

Mr. Himanshu Gupta, Managing Director of S Chand and Company Limited, commented on the successful results and said,

“FY25 sales season saw a relatively minor impact from the new NCERT books based on the NCF syllabus since NCERT books based on the new syllabus were launched for only 2 classes (3rd & 6th) during this year.

Looking ahead, we are quite optimistic for FY26 since CBSE has released a circular in March, 2025 stating that new NCERT books would be launched for 4 Classes –4th,5th, 7th and 8th during the next few months. On back of this development, we expectFY26 and FY27 to see complete adoption of the new syllabus books for the K-12 segment which should strongly support our growth trajectory over the next 2 years.

We are proud to say that we continued to be a net debt-free company at the end of FY25 through consistent efforts on working capital management. Our strategic partnerships and collaborations have allowed us to expand our offerings and meet the changing needs of our customers. Our commitment is to continue this positive trend and enhance our financial position over the long term.”

Mr. Saurabh Mittal, Group CFO of S Chand and Company Limited, commented on the annual results and said,

“Our consolidated revenues reached Rs7,197 million, EBITDA of Rs1,350 million and PAT of Rs602 million. We showed healthy revenue growth and achieved the Highest level of Gross Margins, EBITDA Margins, Operating Income and PAT in the past 5 years. OurOperating income increased to Rs798m (vs. Rs484m in FY24), an increase of 65%YoY.

All this resulted in generation of strong operating cash flows at Rs999m for FY25. We Have increased our dividend to Rs4/share (vs. Rs3/share in FY24) and have remainedNet Debt free at year end with a positive net cash balance of Rs1,036m.

One of the strongest features of the company’s results is our liquidity position and strong cash flows. We remain focused on building sustainable long-term value for all our stakeholders, and we believe that our unwavering commitment towards operational excellence and delivering value to our customers will continue to drive our success in the coming years.”

Bhuvan Bam and AMD collaborate to promote their latest Ryzen AI 300 Processors

Mumbai/Bangalore: 26th May, 2025: AMD launches its latest campaign with Bhuvan Bam, bringing together his iconic characters to show how the new AMD Ryzen AI processors seamlessly fit into our everyday lives. The new AMD RYZEN ™ AI 300 meets every need, from turning text prompts into real images to translating over 46 languages & much more – just like Bhuvan, it’s versatile & effortlessly switches into any role you want it to take up.

Adding to the fun, Anup Soni steps in as the cop investigating a “missing laptop” only to return it with a dose of humour and a growing curiosity to get one for himself.

The new campaign strikes the perfect balance between entertainment and innovation, using humour and storytelling to highlight that AMD Ryzen AI 300 isn’t just smart tech – it’s smart, fun, and made for everyone.

“AMD Ryzen AI 300 is built to make AI feel real and useful in everyday moments. It is not just about performance, but about how naturally it fits into the way we live and work. This campaign brings that idea to life through Bhuvan’s world, making advanced tech feel simple, smart and relatable” said Mukesh Bajpai, Marketing Head, AMD India.

“The new AMD Ryzen AI is packed with brains, speed, and serious multitasking mojo — just like Bhuvan in all his avatars. From creator to entertainer to tech geek, he switches roles as smoothly as Ryzen AI handles tasks. This campaign is a celebration of that shared versatility, using Bhuvan’s charm to bring the magic of AMD Ryzen AI to life.” – Gaurav Arora, Co-Founder, Social Panga.