Alakh Pandey News: Share price of Alakh Pandey-owned Physicswala soared nearly 15 per cent today after the company announced a strategic shift in its student financing business. The stock took a hit after the edtech company decided to step back from plans to lend to students directly through its wholly owned subsidiary, Finz Finance, and instead return to a co-lending model with established non-banking financial companies (NBFCs).

Physicswala decided to step back from the direct lending model. The development comes just days after Physicswala announced plans to strengthen its RBI-licensed NBFC subsidiary Finz Finance. On May 27, 2026, the audit committee of the company approved investment of Rs 120 crore in Finz Finance through rights issue. The capital investment was intended to support working capital requirements and expand the subsidiary’s student lending operations.

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Finz Finance received its NBFC license from the Reserve Bank of India in September 2025 and began loan operations in March 2026, marking Physicswala’s entry into direct education financing. Direct Lending Proposal Captures Market Attention The proposed direction of direct lending raised concerns among investors about the company’s credit risk prospects. Under the co-lending model used earlier, the student loan risk was shared with the partner NBFC.

However, the direct loan structure would have placed the entire credit risk on Physicswala’s balance sheet through Finz Finance. The move raised questions about loan recovery, borrower defaults, risk management practices and the long-term impact on the company’s financial position. Investors also compared the challenges to those previously seen in the edtech sector where student financing practices were scrutinized. Return to co-lending model On 4 June 2026, Physicswala confirmed that it would return to its earlier partnership-based financing approach.

Under the revised strategy, student financing will continue through collaboration with external NBFCs, ensuring that credit risk remains shared rather than concentrated on the company’s own books. The announcement was viewed positively by investors, with the stock seeing a sharp rally as concerns over balance sheet risk eased.

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However, the company has retained FinZ Finance and its NBFC license, indicating that the infrastructure remains in place should it decide to reconsider direct lending opportunities in the future. Existing Student Financing Track Record Before launching FinZ Finance’s lending operations, PhysicsWallah had already established a student financing ecosystem through NBFC partnerships.

In the last two years, the company provided education loans worth more than Rs 200 crore through external lending partners. About 70 percent of these loans were given to existing PhysicsWallah students, while the remaining 30 percent were provided to learners outside its platform.

About PhysicsWallah

PhysicsWallah is an education technology company that offers preparation courses for competitive exams like JEE, NEET and UPSC as well as upskilling programs in the areas of data science, finance, banking and software development. Founded by Alakh Pandey and Prateek Boob, the company operates through a combination of online learning platforms and offline centers across India.

PhysicsWallah became the first major edtech company to be listed on Indian stock exchanges when it completed its Rs 3,480 crore IPO in November 2025. What are your thoughts on PhysicsWallah’s decision to return to the co-lending model? Share your thoughts in the comments below.

Disclaimer: This article is for informational purposes only and is not investment advice.

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