Dhansafal Finserve Ltd

Financial Highlights

• Revenue from operations ₹374 lakh, +62% YoY.
• EBITDA ₹185 lakh, +343% YoY.
• PAT ₹58 lakh, +287% YoY.
• AUM ₹8,761 lakh (₹88 crore), +59% YoY.
• Portfolio Outstanding ₹87 crore, +91% YoY.
• Gross Disbursement ₹98 crore.
• Active Loan Accounts 753.

Operational Footprint

• 9 branches across four states: Maharashtra, Madhya Pradesh, Rajasthan, Uttar Pradesh.

Business Focus

• Core lending: secured LAP and MSME.
• Product lines: Safal Udyog Loans, Safal Sampati Loans, Safal MSME Loans.

Outlook & Growth Pillars

• Six growth pillars guide FY2026-27 strategy.
• Pillars include geographic penetration, digital underwriting, diversified funding.
• Co-lending partnerships with banks/NBFCs.
• Short-tenure loans; women-led and rural MSMEs.

Business overview

• NBFC offering retail financial services with MSME lending, including LAP, for business expansion and working capital.
• Bridge between organized banks and local lenders to serve underserved borrower segments.
• Co-lending ecosystem with multiple financial institutions to expand disbursement capacity.
• Future focus: digital onboarding, risk-based underwriting, and diversified liability mix.
• Geographic expansion into Tier 2/3 cities.

Operational performance & growth

• AUM rose to ₹8,761 lakh as of June 2026, up 59% YoY.
• Revenue from operations rose to ₹374 lakh, up 62% YoY.
• EBITDA rose to ₹185 lakh, up 343% YoY.
• PAT rose to ₹58 lakh, up 287% YoY.
• Total Gross Disbursement POS Amount ₹98 crore vs ₹87 crore prior period.
• Active loan accounts: 753 (DFL) and 681 (Co-Lending) as of June 2026.

Strategic priorities & outlook

• Co-lending partnerships to expand reach and diversify funding.
• Accelerated geographic penetration in Tier 2/3 cities.
• Digital lending with KYC and data-driven underwriting; faster approvals.
• Diversified liability mix across NCDs and term loans.
• Women-led and rural MSME lending focus.

Governance & leadership

• MD: Ankur Agrawal; CEO: Bobby Singh Chandel; CFO: Pravin Gupta.
• Independent directors: Harsh Kedia, P. N. Raghunath.
• Company Secretary & Compliance: Nishi M. Shah.

Capital structure & liquidity

• No debt/equity changes disclosed in this update.
• Diversified liability-mix strategy highlighted as a priority.

Financial highlights

• Q1 Jun 30 2026: Revenue from operations Rs 374.32 Lakhs; Total Revenue Rs 388.30 Lakhs.
• PAT after tax Rs 57.97 Lakhs; EPS Basic 0.03; Diluted 0.03.
• GNPA 2.24%, NNPA 2.02%; CRAR 61.37%.
• Debt-Equity 0.43; Debt to Total Assets 0.28.
• Net Worth Rs 6705.25 Lakhs.
• CLA: 2 active partners; gross principal Rs 969.74 Lakhs; avg rate 18%.
• Interest Income Rs 342.59 Lakhs; Fees Income Rs 31.73 Lakhs.

Financial results

• Unaudited standalone Q1 FY2026-27 results approved for quarter ended 30 Jun 2026.
• Revenue from operations: 374.32 lakh; PAT: 57.97 lakh; EPS: 0.03.
• Limited Review Report by ARCK & Co attached.

Internal audit

• Internal Auditor appointed: M/s AHSP & Co. LLP for FY2026-27.
• Audit Committee approved the appointment.

AGM and fund-raising

• Draft Notice for 45th AGM on 23 Sep 2026 via VC.
• Shareholders to vote on private placement basis fundraising, if required.

Corporate actions timing

• Trading window opens Aug 16, 2026.

Co-lending disclosures

• Co-lending: two active CLA partners; outstanding principal 969.74 lakh; rate 18%.
• No new co-lending arrangements with Banks/NBFCs.

Board timing

• Board meeting held on Aug 13, 2026.

Meeting Details

• Date and venue: August 13, 2026, at the Company's registered office.

Key Agenda Items

• Unaudited standalone financial results for quarter ended June 30, 2026 with Limited Review Report.
• Take on record any other business as may be considered necessary.

Other Notes

• Trading window closed from July 01, 2026, to August 15, 2026 (inclusive).

Dematerialisation processing and listing

• Dematerialisation requests during the reporting quarter were processed and confirmed to depositories (accepted/rejected).
• Securities dematerialised have been listed on the stock exchanges where the earlier issues are listed.
• Physical certificates for dematerialisation were mutilated and cancelled after verification; depository name registered as owner within 15 days.