TruCap Finance Ltd
- Market cap
- ₹ 45 Cr.
- P/E
- 13.1x
- P/B
- 0.93x
- 52-week range
- 3.68 – 10.99
- ROE
- −102%
- Dividend yield
- 0%
- Debt / equity
- 6.5
- Sector
- Finance
- Industry
- Non Banking Financial Company (NBFC)
- Listed on
- NSE, BSE
About
TruCap Finance Limited is an India-based Non-Banking Financial Company (NBFC). It operates through two segments: Fund-based Activities and Advisory services. The Company is engaged primarily in the business of providing micro enterprise loans, small and medium enterprise loans, other structured business, personal loans, gold loans and in providing ancillary services related to the said business activities. Its products include Micro, Small & Medium Enterprises (MSME) and Gold loans. It offers platforms such as Money Rabbit, Dhanvarsha, Dhan Setu, and DhanSakhi. Dhanvarsha offers secure access to affordable gold and business loans. Dhan Setu contributes to improving the capacity to use technology to create a sourcing pipeline. DhanSakhi provides access to resources for unserved & underserved women entrepreneurs to access relevant products and services designed to improve their livelihood. It has approximately 128 branch networks. Its subsidiary is DFL Technologies Private Limited.
Quick check
The five things to look at first. Open one for more.
Compared with its industry
Non Banking Financial Company (NBFC): 288 companies →TruCap Finance Ltd against the typical company in its industry. The rank is out of the companies that report each figure; green means the better quarter of the pack, red the worse quarter.
- Valuation (P/E)13.1 against a typical 22.5: cheaper than most peers (1st = cheapest).98th of 284
- Sales growth−63.3% against a typical +18.3% from a year earlier.238th of 259
- Share price, 3 months−15.8% against a typical −4.2%.197th of 258
- Size₹ 45.3 Cr. market value against a typical ₹ 43 Cr. (1st = largest).132nd of 269
Credit ratings
Every rating action on file, newest first, including reaffirmations. Open a row for the agency's reasoning. All credit rating updates
Look closer
Rated C by Infomerics- Infomerics expects things to get worse (negative outlook).
- The company stopped sharing information with CARE.
| Agency | Current rating | Outlook | As of |
|---|---|---|---|
| CARE | CARE D; ISSUER NOT COOPERATING* | — | 2 Apr 2026 |
| Infomerics | IVR C | Negative | 1 Oct 2025 |
| Rating | Details | |||||
|---|---|---|---|---|---|---|
| 2 Apr 2026 | Reaffirmed | CARE D | — | CARE | ₹ 1,021.49 Cr. | |
| 1 Oct 2025 | Reaffirmed | IVR C | — | Infomerics | ₹ 185 Cr. |
Board meetings
Results dates and other board meetings. Full calendar
| Details | ||
|---|---|---|
| 28 Oct 2026Upcoming | Financial Results/Fund Raising/Other business matters | Intimation of Board Meeting for inter-alia considering and approving the unaudited standalone and consolidated financial results for the quarter and half year ended September 30, 2026, fund raising and other business matters. |
| 13 Aug 2026 | Financial Results | To consider and approve the unaudited standalone and consolidated financial results for the quarter ended Jun 30, 2026. |
| 25 May 2026 | Financial Results | To consider and approve the audited standalone and consolidated financial results for the quarter and year ended March 31, 2026. |
| 11 Feb 2026 | Financial Results | To consider and approve the standalone & consolidated unaudited financial results for the quarter and nine months ended December 31, 2025. |
| 13 Nov 2025 | Financial Results | To consider and approve the unaudited financial results for the quarter and half year ended September 30, 2025. |
| 14 Aug 2025 | Financial Results | To consider and approve the standalone and consolidated financial results for the quarter ended June 30, 2025. |
| 26 May 2025 | Financial Results/Fund Raising | Intimation of Board Meeting to be held on Monday, May 26, 2025, to consider and approve the audited standalone and consolidated financial results for the quarter and year ended March 31, 2025 , Fund Raising and Other Business. |
Financials
Consolidated figures in ₹ crore.
| ₹ Cr. | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 | Jun 2026 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 42 | 40 | 41 | 52 | 58 | 52 | 35 | 30 | 23 | 15 | 14 | 11 |
| Interest | 18 | 21 | 23 | 26 | 27 | 25 | 21 | 20 | 20 | 14 | 21 | 5 |
| Expenses | 20 | 22 | 24 | 22 | 26 | 25 | 92 | 36 | 48 | 52 | 20 | 20 |
| Financing Profit | 4 | −3 | −5 | 4 | 4 | 2 | −77 | −26 | −45 | −51 | −26 | −13 |
| Financing Margin % | 10% | −7% | −12% | 7% | 7% | 4% | −219% | −86% | −199% | −339% | −181% | −118% |
| Other Income | 0 | 9 | 12 | 0 | 1 | 1 | 1 | 12 | 2 | 1 | 1 | 1 |
| Depreciation | 2 | 3 | 2 | 2 | 2 | 2 | 8 | 2 | 2 | 2 | 2 | 1 |
| Profit before tax | 3 | 4 | 4 | 2 | 3 | 1 | −84 | −16 | −45 | −52 | −27 | −14 |
| Tax % | 44% | 13% | −37% | 32% | 58% | −16% | −17% | −43% | −28% | −19% | −35% | −25% |
| Net Profit | 2 | 3 | 6 | 1 | 1 | 1 | −70 | −9 | −33 | −42 | −18 | −10 |
| EPS in Rs | 0.13 | 0.26 | 0.5 | 0.12 | 0.1 | 0.11 | −6.02 | −0.75 | −2.74 | −3.55 | −1.49 | −0.87 |
| Gross NPA % | 1.2% | — | — | 1.4% | 2.6% | — | — | — | — | — | — | — |
| Net NPA % | 0.7% | — | — | 0.9% | 1.9% | — | — | — | — | — | — | — |
Growth and returns
Compounded yearly rates over each period.
- 10 Years
- 47%
- 5 Years
- 28%
- 3 Years
- −13%
- TTM
- −64%
- 10 Years
- —
- 5 Years
- —
- 3 Years
- —
- TTM
- −34%
- 10 Years
- —
- 5 Years
- −50%
- 3 Years
- −58%
- TTM
- —
- 10 Years
- −14%
- 5 Years
- −18%
- 3 Years
- −32%
- TTM
- —
P/E and EPS over time
Daily P/E and trailing 12-month EPS. EPS updates with each result.
Peers
Listed companies in the same business.
| TruCap Finance Ltd | ₹ 3.93 | ₹ 45 Cr. | 13.1x | 0.9x | −102% | — |
| Bajaj Finance | ₹ 927.00 | ₹ 5,77,146 Cr. | 25x | 5.8x | 18.1% | 23.7% |
| Shriram Finance | ₹ 867.00 | ₹ 2,04,004 Cr. | 13.9x | 3x | 16.4% | 20.9% |
| Jio Financial Services | ₹ 205.00 | ₹ 1,35,364 Cr. | 95.5x | 1.2x | — | 49.8% |
| Tata Capital | ₹ 307.05 | ₹ 1,30,358 Cr. | 20.5x | 3.3x | 12.3% | 16% |
| Power Finance Corporation | ₹ 316.00 | ₹ 1,04,283 Cr. | 5.4x | 1x | 20.7% | 29.1% |
Management
- Rohanjeet Singh Juneja
- Chief Executive Officer, Managing Director, Executive Director
- Sonal Jagdish Sharma
- Company Secretary, Compliance Officer
- Lalit Mohan Chendvankar
- Chief Compliance Officer and Legal Head
Prices are delayed and for information only. Nothing on this page is investment advice.