Dhansafal Finserve Ltd

₹ 2.68 9.84%

05 Oct - close price

dhansafal.com BSE: 512048

About

Incorporated in 1981, Luharuka Media & Infra Ltd is engaged in financial sector and provides various types of loans.

Key Points

Company Overview
DhanSafal Finserve Ltd.(formerly known as Luharuka Media & Infra Ltd.) is a listed NBFC registered with the Reserve Bank of India. The Company provides retail financial services with a growing focus on MSME lending, including loans against property for business expansion and working capital requirements.

Website BSE

Market Cap ₹ 63.6 Cr.
Current Price ₹ 2.68
High / Low ₹ 4.65 / 1.91
Stock P/E 54.8
Book Value ₹ 2.93
Dividend Yield 0.00 %
ROCE 4.03 %
ROE 1.22 %
Face Value ₹ 1.00

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Pros

Stock is trading at 0.92 times its book value
Promoter holding has increased by 2.91% over last quarter.
Company's working capital requirements have reduced from 477 days to 75.9 days

Cons

Though the company is reporting repeated profits, it is not paying out dividend
Company has low interest coverage ratio.
Company has a low return on equity of 1.56% over last 3 years.

* The pros and cons are machine generated. Pros / cons are based on a checklist to highlight important points. Please exercise caution and do your own analysis.

Peer comparison

Financial Services Financial Services Finance Non Banking Financial Company (NBFC)

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Detailed Comparison with:

Quarterly Results

Figures in Rs. Crores

	Jun 2023	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026	Jun 2026
	0.36	0.45	0.37	0.45	1.33	0.50	1.18	1.84	2.32	2.76	3.52	3.64	3.74
Interest	0.00	0.01	0.00	0.01	0.01	0.01	0.01	0.19	0.09	0.42	0.74	0.76	0.90
	0.15	0.15	0.18	0.26	0.50	1.01	1.45	1.23	1.96	2.34	2.34	2.01	2.03
Financing Profit	0.21	0.29	0.19	0.18	0.82	-0.52	-0.28	0.42	0.27	0.00	0.44	0.87	0.81
Financing Margin %	58.33%	64.44%	51.35%	40.00%	61.65%	-104.00%	-23.73%	22.83%	11.64%	0.00%	12.50%	23.90%	21.66%
	0.00	0.00	0.00	0.02	0.00	0.09	0.19	0.02	0.06	0.14	0.03	0.04	0.14
Depreciation	0.00	0.00	0.00	0.00	0.00	0.00	0.01	0.16	0.15	0.21	0.21	0.21	0.17
Profit before tax	0.21	0.29	0.19	0.20	0.82	-0.43	-0.10	0.28	0.18	-0.07	0.26	0.70	0.78
Tax %	23.81%	24.14%	26.32%	55.00%	25.61%	-30.23%	30.00%	28.57%	22.22%	28.57%	30.77%	28.57%	25.64%
	0.16	0.22	0.14	0.09	0.61	-0.30	-0.13	0.19	0.15	-0.10	0.18	0.50	0.58
EPS in Rs	0.01	0.01	0.01	0.00	0.03	-0.02	-0.01	0.01	0.01	-0.00	0.01	0.02	0.03
Gross NPA %
Net NPA %
Raw PDF

Profit & Loss

Figures in Rs. Crores

	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026	TTM
	0.56	0.80	1.50	1.99	1.07	0.77	1.20	1.68	1.93	1.63	5.14	12.46	13.66
Interest	0.04	0.04	0.03	0.04	0.03	0.06	0.11	0.17	0.38	0.02	0.22	2.01	2.82
	0.32	0.45	0.51	1.41	0.68	0.87	0.86	0.74	0.65	0.75	4.21	8.65	8.72
Financing Profit	0.20	0.31	0.96	0.54	0.36	-0.16	0.23	0.77	0.90	0.86	0.71	1.80	2.12
Financing Margin %	35.71%	38.75%	64.00%	27.14%	33.64%	-20.78%	19.17%	45.83%	46.63%	52.76%	13.81%	14.45%	15.52%
	0.04	0.00	0.00	0.00	0.01	0.12	0.00	0.00	0.00	0.03	0.03	0.04	0.35
Depreciation	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.17	0.77	0.80
Profit before tax	0.24	0.31	0.96	0.54	0.37	-0.04	0.23	0.77	0.90	0.89	0.57	1.07	1.67
Tax %	37.50%	35.48%	28.12%	22.22%	27.03%	0.00%	39.13%	25.97%	25.56%	31.46%	33.33%	30.84%
	0.14	0.20	0.68	0.42	0.27	-0.05	0.14	0.57	0.67	0.61	0.37	0.73	1.16
EPS in Rs	0.01	0.01	0.04	0.02	0.01	-0.00	0.01	0.03	0.04	0.03	0.02	0.03	0.06
Dividend Payout %	0.00%	46.85%	13.78%	22.31%	0.00%	0.00%	0.00%	0.00%	0.00%	30.72%	0.00%	0.00%

Compounded Sales Growth
10 Years:	32%
5 Years:	60%
3 Years:	86%
TTM:	134%

Compounded Profit Growth
10 Years:	14%
5 Years:	39%
3 Years:	3%
TTM:	1389%

Stock Price CAGR
10 Years:	15%
5 Years:	31%
3 Years:	-6%
1 Year:	-29%

Return on Equity
10 Years:	2%
5 Years:	2%
3 Years:	2%
Last Year:	1%

Balance Sheet

Figures in Rs. Crores

	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
Equity Capital	9.37	9.37	9.37	9.37	9.37	9.37	9.37	9.37	9.37	9.37	18.74	22.71
Reserves	2.90	2.98	3.55	3.97	4.12	4.08	4.22	4.79	5.46	6.07	34.79	43.76
Borrowing	0.52	0.02	0.56	0.59	0.87	2.01	1.30	6.36	0.00	0.88	10.61	22.16
	0.15	0.51	0.26	0.41	0.24	0.33	0.28	0.24	0.21	0.21	3.20	3.17
Total Liabilities	12.94	12.88	13.74	14.34	14.60	15.79	15.17	20.76	15.04	16.53	67.34	91.80
	0.03	0.02	0.02	0.01	0.01	0.00	0.00	0.00	0.00	0.00	2.14	1.91
CWIP	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Investments	0.00	1.00	0.00	0.01	1.76	0.01	0.00	0.00	0.00	0.00	0.00	5.13
	12.91	11.86	13.72	14.32	12.83	15.78	15.17	20.76	15.04	16.53	65.20	84.76
Total Assets	12.94	12.88	13.74	14.34	14.60	15.79	15.17	20.76	15.04	16.53	67.34	91.80

Cash Flows

Figures in Rs. Crores

	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
	-0.04	0.97	-2.03	-0.66	1.18	-2.35	-0.37	-6.72	4.23	-2.51	-35.13	-38.88
	0.02	-1.00	1.03	0.00	-1.75	1.75	0.01	0.00	0.00	0.00	-2.03	-5.48
	0.13	-0.18	0.93	0.64	1.15	1.93	0.36	6.23	-4.96	2.37	51.94	33.19
Net Cash Flow	0.12	-0.20	-0.08	-0.02	0.58	1.32	0.00	-0.49	-0.73	-0.14	14.78	-11.17
Free Cash Flow	-0.04	0.97	-2.03	-0.66	1.18	-2.35	-0.37	-6.72	4.23	-2.51	-37.44	-39.43
CFO/OP	21%	320%	-179%	-90%	318%	2,310%	-85%	-696%	345%	-252%	-3,746%	-1,020%

Ratios

	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
ROE %	1.07%	1.62%	5.38%	3.20%	2.01%	-0.37%	1.04%	4.11%	4.62%	4.03%	1.07%	1.22%

Insights

In beta

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Mar 2024

Mar 2025

Mar 2026

Loan Book / POS Amount
INR lakhs

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Assets Under Management (AUM)
INR lakhs

Number of Branches
count

Active Loan Accounts
count

Number of States of Operation
count

Total Gross Disbursements
INR Crore

Extracted by Screener AI

Shareholding Pattern

Numbers in percentages

	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026	Jun 2026	Sep 2026
	51.50%	51.50%	51.53%	51.52%	51.52%	51.99%	50.87%	50.87%	50.87%	54.33%	55.11%	57.24%
	48.51%	48.49%	48.46%	48.47%	48.48%	48.01%	49.12%	49.13%	49.13%	45.67%	44.89%	42.76%
No. of Shareholders	27,585	30,172	31,488	33,612	34,214	33,316	32,544	31,820	31,049	30,333	29,861	29,463

	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026	Sep 2026
	51.50%	51.50%	51.50%	51.50%	51.50%	51.50%	51.50%	51.50%	51.99%	54.33%	57.24%
	48.50%	48.50%	48.50%	48.50%	48.50%	48.50%	48.51%	48.49%	48.01%	45.67%	42.76%
No. of Shareholders	2,455	2,440	2,382	2,331	2,421	16,713	20,868	30,172	33,316	30,333	29,463

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