Apollo Finvest reported Q1 FY26 revenue of ~7 Cr and profit of ~3 Cr. While revenue decreased due to industry volatility and a strategic shift to a more defensive stance, the company is now transitioning back to a retail-focused lending model, targeting a 70% retail book. This strategy is supported by enhanced due diligence, including on-site partner visits, and a new technology-driven 'warehouse term loan' model for better control and risk mitigation. Apollo leverages its tech platform, Sonic, and AI tools like Senti, for efficient operations, compliant collections, and data-driven underwriting. The company views recent RBI clarifications on co-lending as positive, fostering more stable, long-term partnerships in the evolving digital lending ecosystem.