TruCap Finance Ltd

TruCap Finance Summary Chart Analysis Peers Quarters Profit & Loss Balance Sheet Cash Flow Ratios Investors Documents

TruCap Finance Ltd

₹ 5.94 0.17%
02 Jun - close price
trucapfinance.com BSE: 540268 NSE: TRU
About

Incorporated in 1994, TruCap Finance Ltd is
in the business of Fund based activities and Advisory services[1]

Key Points

Business Overview:[1][2]
TCFL (formerly known as Dhanvarsha Finvest Limited) is promoted by Mumbai-headquartered Wilson Group. It is a Non Systematically Important Non Deposit Taking Non Banking Financial Company.
It is a specialized MSME lender which provides access to affordable credit solutions to entrepreneurs. It provides financing options to the relatively under-banked micro, small & medium enterprises (MSME) and low-to-mid income (LMI) groups, offering a range of secured and unsecured financing products. Currently, company has ~96,700+ Customers, ~10.3 Billion Loan
Book, 45+ Lenders, ~128 Branch Network

Website BSE NSE
  • Market Cap ₹ 70.1 Cr.
  • Current Price ₹ 5.94
  • High / Low ₹ 20.8 / 4.51
  • Stock P/E
  • Book Value ₹ 4.48
  • Dividend Yield 0.00 %
  • ROCE -14.4 %
  • ROE -102 %
  • Face Value ₹ 2.00
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Pros

  • Company has reduced debt.
  • Debtor days have improved from 102 to 68.2 days.

Cons

  • Company has low interest coverage ratio.
  • Promoter holding is low: 31.0%
  • Company has a low return on equity of -31.8% over last 3 years.
  • Company's cost of borrowing seems high
  • Promoter holding has decreased over last 3 years: -27.5%

* 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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Quarterly Results

Standalone Figures in Rs. Crores / View Consolidated

Mar 2023 Jun 2023 Sep 2023 Dec 2023 Mar 2024 Jun 2024 Sep 2024 Dec 2024 Mar 2025 Jun 2025 Sep 2025 Dec 2025 Mar 2026
33 38 42 40 41 52 58 52 35 30 23 15 14
Interest 15 17 18 21 23 26 27 25 21 20 20 14 21
15 17 20 22 24 22 26 25 92 36 48 52 20
Financing Profit 3 3 4 -3 -5 4 4 2 -77 -26 -45 -51 -26
Financing Margin % 10% 9% 10% -7% -12% 7% 7% 4% -219% -86% -199% -339% -181%
0 0 0 9 12 0 1 1 1 12 2 1 1
Depreciation 2 2 2 3 2 2 2 2 8 2 2 2 2
Profit before tax 1 2 3 4 4 2 3 1 -84 -16 -45 -52 -27
Tax % 26% 26% 44% 13% -37% 32% 58% -16% -17% -43% -28% -19% -35%
1 1 2 3 6 1 1 1 -70 -9 -33 -42 -18
EPS in Rs 0.09 0.11 0.13 0.26 0.50 0.12 0.10 0.11 -6.02 -0.75 -2.74 -3.55 -1.49
Gross NPA % 1.16% 1.42% 2.59%
Net NPA % 0.67% 0.90% 1.87%
Raw PDF

Profit & Loss

Standalone Figures in Rs. Crores / View Consolidated

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 2 1 12 19 19 24 70 124 161 196 82
Interest 0 0 0 2 5 2 4 24 51 79 99 75
0 2 1 5 12 12 17 31 60 83 165 156
Financing Profit 0 0 0 4 2 6 2 15 13 -0 -67 -148
Financing Margin % 13% 7% 3% 38% 12% 31% 10% 21% 11% -0% -34% -180%
0 0 0 0 0 0 0 0 0 21 3 3
Depreciation 0 0 0 0 0 0 1 4 6 8 14 7
Profit before tax 0 0 0 5 2 6 2 11 7 12 -79 -152
Tax % 33% 31% 100% 11% 12% 27% 61% 31% 23% 4% -15% -28%
0 0 0 4 2 4 1 7 6 12 -67 -110
EPS in Rs 0.01 0.02 0.00 1.05 0.32 0.61 0.09 0.83 0.48 1.00 -5.70 -9.29
Dividend Payout % 0% 0% 0% 19% 16% 3% 11% 1% 2% 1% 0% 0%
Compounded Sales Growth
10 Years: 47%
5 Years: 28%
3 Years: -13%
TTM: -58%
Compounded Profit Growth
10 Years: %
5 Years: %
3 Years: %
TTM: -66%
Stock Price CAGR
10 Years: %
5 Years: -48%
3 Years: -50%
1 Year: -50%
Return on Equity
10 Years: -14%
5 Years: -18%
3 Years: -32%
Last Year: -102%

Balance Sheet

Standalone Figures in Rs. Crores / View Consolidated

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 6 8 8 8 14 14 15 18 23 23 23 24
Reserves 1 1 1 5 13 18 84 156 200 196 139 30
Borrowing 1 1 0 39 25 16 81 286 443 686 520 335
1 0 0 3 2 2 5 12 12 23 17 9
Total Liabilities 10 9 9 55 54 48 185 472 678 928 699 397
0 1 1 1 1 3 10 18 21 28 20 8
CWIP 0 0 0 0 1 0 1 11 12 6 0 0
Investments 0 1 2 1 0 1 18 51 81 60 42 37
10 7 7 53 52 43 155 392 564 834 636 352
Total Assets 10 9 9 55 54 48 185 472 678 928 699 397

Cash Flows

Standalone Figures in Rs. Crores / View Consolidated

Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 Mar 2026
6 -1 1 -41 2 13 -78 -181 -149 -212 208 127
0 -1 0 5 2 -4 -38 -76 -69 30 -25 52
-6 1 -0 39 -3 -11 145 283 198 245 -246 -209
Net Cash Flow 0 -1 1 2 1 -2 30 26 -20 63 -63 -30
Free Cash Flow 6 -1 1 -41 1 12 -86 -202 -159 -222 208 127
CFO/OP 32,000% -567% 3,025% -645% 57% 185% -1,134% -458% -224% -263% 661% -174%

Ratios

Standalone Figures in Rs. Crores / View Consolidated

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 % 0% 1% 0% 38% 11% 14% 1% 5% 3% 5% -35% -102%

Insights

In beta
Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Sep 2024
Assets Under Management (AUM)
INR Million

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Number of Branches
Number
Active Customers
Number
Disbursements
INR Million
Lending-as-a-Service (L-a-a-S) AUM %
%
Average Loan Ticket Size
INR Million

Extracted by Screener AI

Shareholding Pattern

Numbers in percentages

Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026
53.57% 50.77% 46.84% 47.38% 42.14% 36.87% 37.22% 35.76% 30.97% 30.97% 30.97% 30.97%
8.57% 8.13% 8.43% 9.70% 10.70% 8.42% 8.08% 6.18% 5.82% 5.22% 5.19% 5.19%
0.00% 0.00% 0.00% 0.00% 0.00% 1.07% 1.07% 0.94% 0.93% 0.99% 0.99% 0.99%
37.86% 41.10% 44.72% 42.92% 47.16% 53.66% 53.65% 57.12% 62.30% 62.83% 62.87% 62.87%
No. of Shareholders 9,84211,97014,57817,19318,72725,06126,52828,83227,73427,35226,68126,049

* The classifications might have changed from Sep'2022 onwards. The new XBRL format added more details from Sep'22 onwards.

Classifications such as banks and foreign portfolio investors were not available earlier. The sudden changes in FII or DII can be because of these changes.

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