Overview

Detailed Summary

DhanSafal Finserve Limited is a listed RBI-registered NBFC focused on retail financial services, primarily serving MSMEs and individual clients with loan products such as Loan Against Property, MSME loans, and short-term business finance, operating across Maharashtra, Rajasthan, Uttar Pradesh and Madhya Pradesh after a May 2025 rebranding and strategic pivot to focused lending.
The company delivered striking operating growth in Q3 FY25-26: revenue increased 185% from ₹301.66 lakh to ₹859.09 lakh year-on-year, reflecting stronger origination and interest income as lending volumes scaled rapidly during the period.
Balance-sheet scale materially improved: AUM rose 141% to ₹8,045.91 lakh and the loan book expanded 116% to ₹7,187.00 lakh year-on-year, while net worth strengthened 43%, indicating both growth and capital accretion supporting further lending activity.
Operational momentum is evident — disbursements more than doubled from ~280 to 670+ cases and branches now cover nine live locations with plans for additional outlets, complemented by management-driven initiatives like LOS/LMS automation, smaller-ticket products, and brand-building to broaden customer acquisition.
Management emphasizes a prudent capital and debt strategy to fund growth, combining own funds and borrowings, while targeting process automation and product diversification to scale originations and improve margins and operational efficiency across its retail lending franchise.

Sector: Finance
Industry: Non Banking Financial Company (NBFC)
Market Cap: 64 Cr
Volatility: Moderate Risk
P/E Ratio: 160.4
Industry P/E: 19.6
PEG Ratio: —
P/B Ratio: 1.0
52W High: 5.18
52W Low: 1.91

Sales CAGR

1Y: 215.34%
3Y: 42.50%
5Y: 44.68%
10Y: 22.25%

Profit CAGR

1Y: -39.34%
3Y: -13.46%
5Y: —
10Y: 7.29%

ROE

TTM: 0.18%
3Y: 1.96%
5Y: 2.11%
10Y: 2.19%

ROCE

TTM: 1.13%
3Y: 3.55%
5Y: 3.82%
10Y: 3.70%

Technicals

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Forecasts

Peers

Financial Services Financial Services Finance

Symbol	Watchlist	Price	Market Cap	P/E	P/B	Div Yield (%)	ROE (%)	ROCE (%)	ROA (%)
GOWRALE		83.00	66 Cr	10.84	1.04	0.00	16.17	16.12	8.47
EVERFIN		88.00	66 Cr	53.99	2.67	0.00	-15.45	-3.35	-33.20
CAPFIN		122.35	65 Cr	-74.10	6.31	0.00	-8.69	-12.05	-10.44
REGIS		2.35	64 Cr	29.38	2.31	0.00	5.49	5.49	7.57
LUHARUKA		2.84	64 Cr	160.45	0.95	0.00	0.18	1.13	0.46
PANAFIC		0.70	64 Cr	17.50	1.24	0.00	1.96	1.45	1.75
KREONFIN		28.50	63 Cr	158.33	1.73	0.00	3.61	8.85	8.73
Median: 7 Co.	—	28.50	64 Cr	29.38	1.73	0.00	1.96	1.45	1.75

Financial Statements

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Standalone Quarterly Results (in ₹ Crores)

Total Figures

QoQ Changes

Total Figures

	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025
Revenue	0.45	0.37	0.45	1.33	0.50	1.18	1.84	2.32	2.76	3.52
Expenses	0.15	0.18	0.26	0.50	1.01	1.46	1.24	1.95	2.34	2.34
Interest	0.01	0.00	0.01	0.01	0.01	0.01	0.19	0.09	0.42	0.74
Financing Profit	0.29	0.19	0.18	0.82	-0.52	-0.29	0.41	0.28	-0.00	0.44
Financing Margin %	64.44	51.35	40.00	61.65	-104.00	-24.58	22.28	12.07	-0.00	12.50
Other Income	0.00	0.00	0.02	0.00	0.09	0.19	0.02	0.06	0.14	0.03
Depreciation	0.00	0.00	0.00	0.00	0.00	0.01	0.16	0.15	0.21	0.21
Profit Before Tax	0.29	0.19	0.20	0.82	-0.43	-0.10	0.28	0.18	-0.07	0.26
Tax %	24.14	26.32	55.00	25.61	30.23	-30.00	32.14	16.67	-28.57	30.77
Net Profit	0.22	0.14	0.09	0.61	-0.30	-0.13	0.19	0.15	-0.10	0.18
EPS in Rs	0.01	0.00	0.00	0.03	0.02	0.00	0.01	0.01	-0.01	0.01
Gross NPA %	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Net NPA %	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00

Standalone Profit Loss (in ₹ Crores)

Total Figures

YoY Changes

Total Figures

	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	TTM
Revenue	1.50	1.99	1.07	0.77	1.20	1.68	1.93	1.63	4.86	5.84
Expenses	0.51	1.41	0.69	0.87	0.86	0.74	0.65	0.74	4.21	5.66
Interest	0.03	0.04	0.02	0.06	0.11	0.17	0.38	0.02	0.22	0.30
Financing Profit	0.96	0.54	0.36	-0.16	0.23	0.77	0.90	0.86	0.43	-0.12
Financing Margin %	63.78	27.29	33.86	-20.69	18.98	45.83	46.53	52.95	8.86	-2.05
Other Income	0.00	0.00	0.01	0.12	0.00	0.00	0.00	0.03	0.31	0.36
Depreciation	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.17	0.32
Profit Before Tax	0.95	0.54	0.36	-0.05	0.23	0.77	0.90	0.89	0.57	-0.07
Tax %	348.31	457.75	384.99	-1,544.89	262.08	391.70	384.90	314.55	290.42	-28.57
Net Profit	0.68	0.42	0.27	-0.05	0.14	0.57	0.67	0.61	0.37	-0.09
EPS in Rs	0.03	0.02	0.01	-0.01	0.01	0.02	0.03	0.02	0.05	0.02
Dividend Payout %	700.00	400.00	—	—	—	—	—	300.00	—	—

Standalone Balance Sheet (in ₹ Crores)

Total Figures

YoY Changes

Total Figures

	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025
Equity Capital	9.37	9.37	9.37	9.37	9.37	9.37	9.37	9.37	9.37	19
Reserves	2.98	3.55	3.97	4.12	4.08	4.22	4.79	5.46	6.07	35
Borrowings	0.02	0.56	0.59	0.87	2.01	1.30	6.36	0.00	0.88	11
Other Liabilities	0.50	0.26	0.40	0.23	0.33	0.28	0.23	0.21	0.25	3.20
Total Liabilities	13	14	14	15	16	15	21	15	17	67
Fixed Assets	0.02	0.02	0.01	0.01	0.00	0.00	0.00	0.00	0.00	2.14
CWIP	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Investments	0.00	0.00	0.00	1.76	0.01	0.00	0.00	0.00	0.00	0.00
Other Assets	13	14	14	13	16	15	21	15	17	65
Total Assets	13	14	14	15	16	15	21	15	17	67

Standalone Cash Flows (in ₹ Crores)

Total Figures

YoY Changes

Total Figures

	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025
Cash from Operating Activity	0.97	-2.03	-0.66	1.18	-2.35	-0.37	-6.72	4.23	-2.51	-35
Cash from Investing Activity	-1.00	1.03	-0.00	-1.75	1.75	0.01	0.00	0.00	0.00	-2.03
Cash from Financing Activity	-0.18	0.92	0.64	1.15	1.93	0.36	6.23	-4.96	2.37	52
Net Cash Flow	-0.20	-0.08	-0.02	0.58	1.32	-0.00	-0.49	-0.73	-0.14	15

Shareholdings

Shareholding History

Quarterly

Yearly

Quarterly

	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Apr 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026
Promoters	51.50%	51.50%	51.50%	51.53%	51.53%	51.53%	51.99%	51.98%	50.87%	50.87%	50.87%	54.26%
FIIs	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
DIIs	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Public	48.50%	48.50%	48.50%	48.47%	48.47%	48.47%	48.01%	48.02%	49.13%	49.13%	49.13%	45.74%
Total Shareholders	25,355	27,585	30,172	31,488	33,612	34,214	33,316	33,323	32,569	31,820	31,049	30,350

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