Dhansafal Finserve Q1 FY27 profit jumps 288% on 61% revenue

Overview of the Q1FY27 update

Dhansafal Finserve, a Mumbai-based non-banking financial company (NBFC), reported a sharp year-on-year improvement in profitability for the quarter ended June 30, 2026 (Q1FY27). The company said net profit after tax rose to ₹57.97 lakh, compared with ₹14.93 lakh in the year-ago quarter. Revenue growth and a larger loan book were highlighted as key drivers in the update.

The company also reported that assets under management (AUM) increased to ₹8,761 lakh, up from ₹5,495 lakh in the prior year quarter. Alongside financial expansion, Dhansafal Finserve said it increased its branch footprint to nine branches across four states and scaled its co-lending ecosystem.

Key numbers the company reported

For Q1FY27, revenue from operations was reported at ₹374.32 lakh, reflecting a 61% rise year-on-year. Total revenue stood at ₹388.30 lakh versus ₹237.45 lakh in the comparable period. Total expenses increased as well, reaching ₹309.94 lakh compared with ₹219.46 lakh a year ago.

Operating profitability improved sharply, with EBITDA reported at ₹185 lakh compared with ₹42 lakh in Q1FY25. Profit before tax (PBT) came in at ₹78.36 lakh versus ₹18.00 lakh in the year-ago quarter. Tax expense for the quarter totalled ₹20.39 lakh, comprising current tax provisions.

Revenue mix and interest income momentum

Dhansafal Finserve attributed the stronger operating performance primarily to higher interest income. Interest income increased to ₹342.59 lakh in Q1FY27 from ₹218.97 lakh in Q1FY25. In the detailed breakup provided, revenue from operations of ₹374.32 lakh included fees and commission income of ₹31.73 lakh.

The company also reported other income of ₹13.98 lakh, which contributed to total revenue of ₹388.30 lakh. The combination of higher interest income and incremental fee income supported overall growth in total income during the quarter.

Expense profile and EBITDA expansion

Total expenses rose to ₹309.94 lakh from ₹219.46 lakh, reflecting higher operating scale. The company disclosed key cost components, including finance costs of ₹89.74 lakh, employee benefits expense of ₹152.39 lakh, and depreciation of ₹16.55 lakh for the quarter.

Despite the higher cost base, EBITDA was reported at ₹185 lakh, up 343% from ₹42 lakh a year ago. The reported PBT of ₹78.36 lakh and PAT of ₹57.97 lakh indicate that operating leverage improved meaningfully compared with Q1FY25.

AUM growth and business expansion

Dhansafal Finserve reported AUM of ₹8,761 lakh, up 59% from ₹5,495 lakh in the prior-year quarter. The company linked this to accelerated geographic penetration and disbursement growth. It also stated that it expanded its branch network to nine branches across four states.

In addition to branch additions, Dhansafal Finserve said it scaled its co-lending ecosystem. While the update did not quantify co-lending volumes, the mention indicates continued focus on partnerships as part of balance sheet and origination growth.

EPS and comprehensive income

The company reported basic earnings per share (EPS) of ₹0.03 for Q1FY27, unchanged from the year-ago quarter, and higher than ₹0.02 reported in Q4FY26. Total comprehensive income for the period was reported at ₹57.97 lakh, compared with ₹14.99 lakh in the prior-year quarter.

These disclosures were presented alongside the unaudited quarterly results for the period ended June 30, 2026.

Disclosure timeline and an internal inconsistency to note

Dhansafal Finserve stated that its Board of Directors met on August 13, 2026, to approve the unaudited financial results for the quarter ended June 30, 2026. The update repeatedly presents profit after tax as ₹57.97 lakh and includes a detailed table in lakhs.

However, parts of the provided text also describe profit after tax as “₹57.97 crore” and “₹14.93 crore” for the year-ago quarter. This conflicts with the lakhs-based financial table and the repeated PAT figure in lakhs (₹57.97 lakh versus ₹14.93 lakh). The lakhs-based presentation also aligns with the Spanish-language summary stating net profit of 5.8 million INR (about ₹58 lakh).

Market snapshot included in the data

A market data line in the provided content showed the share price at ₹2.85, with a change of +₹0.47 (19.75%). No additional trading details or dates were included alongside this price line.

Summary table of reported financials

What matters for investors watching small NBFC results

The quarter shows a clear pattern of higher interest income and faster AUM expansion translating into stronger profitability. At the same time, the cost structure increased with scale, as reflected in higher employee benefits expense and finance costs.

The next set of disclosures to watch will be subsequent quarterly updates for how Dhansafal Finserve sustains AUM growth, manages expenses as branch expansion continues, and whether fee-based income continues to rise alongside interest income.