Poonawalla Fincorp plans to double its workforce and expand its branch network from around 100 to nearly 400 by next year, focusing on loans for gold purchases, used cars, shopkeepers, and education. Despite a slowdown in credit growth and increased scrutiny from the Reserve Bank of India, the company aims to leverage digital and physical offerings in smaller cities. However, its stock faced a decline following reports of higher provisions for bad loans and rising operating costs.