Dhansafal Finserve Ltd

LUHARUKA

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Market Cap

₹ 75 Cr

P/E

349.00

Turned 1 L into 7.91 L in last 5 Years

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Performance

STEADY PERFORMER

Valuation

OVERVALUED

Growth

STABLE

Profitability

LOW MARGIN

Technicals

Bearish

Risk

MODERATE RISK

Investment Checklist

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Price

PE Ratio

Price

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Overview

Detailed Summary

DhanSafal Finserve Limited is a listed NBFC offering retail financial services, with a growing focus on MSME lending and loans against property.

The company has demonstrated impressive financial growth, with a 177% increase in revenue and a 336% rise in assets under management (AUM).

DhanSafal Finserve is expanding its branch network, now operational in nine locations across several Indian states, with further expansions planned.

The company is advancing automation of its loan origination and management systems to enhance operational efficiency and reduce errors.

DhanSafal's strategic initiatives include the development of new, smaller ticket loans for mass segments and beginning a journey to optimize capital through debt strategies.

Sector

Finance

Industry

NBFC-Others

Market Cap

75 Cr

Volatility

Low Risk

P/E Ratio

349.0

Industry P/E

34.5

PEG Ratio

—

P/B Ratio

1.2

52W High

5.67

52W Low

3.25

Sales CAGR

215.34%

42.50%

44.68%

10Y

22.25%

Profit CAGR

-39.34%

-13.46%

—

10Y

7.29%

ROE

TTM

0.18%

1.96%

2.11%

10Y

2.19%

ROCE

TTM

1.13%

3.55%

3.82%

10Y

3.70%

Technicals

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Forecasts

Peers

Symbol	Price	Market Cap	P/E	P/B	Div Yield (%)	ROE (%)	ROCE (%)	ROA (%)
MORGAN	78.01	78 Cr	3.39	0.81	0.00	23.84	15.92	7.78
MUKESHB	111.00	77 Cr	52.11	0.24	1.08	0.46	1.12	0.47
TFL	14.09	76 Cr	—	2.60	0.00	-18.95	-1.86	-6.48
LUHARUKA	3.49	75 Cr	349.00	1.21	0.00	0.18	1.13	0.12
BAMPSL	21.79	74 Cr	31.58	1.83	0.00	5.76	7.85	5.70
KAPILRAJ	3.20	72 Cr	64.00	5.51	0.00	4.66	6.85	51.60
AASTAFIN	45.84	71 Cr	8.71	0.90	0.00	10.29	11.23	6.15

Financial Statements

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Standalone Quarterly Results (in ₹ Crores)

Total Figures

QoQ Changes

Total Figures

	Jun 2023	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025
Revenue	0.36	0.45	0.37	0.45	1.33	0.50	1.18	1.84	2.32	2.76
Expenses	0.15	0.15	0.18	0.26	0.50	1.01	1.46	1.24	1.95	2.34
Interest	0.00	0.01	0.00	0.01	0.01	0.01	0.01	0.19	0.09	0.42
Financing Profit	0.21	0.29	0.19	0.18	0.82	-0.52	-0.29	0.41	0.28	-0.00
Financing Margin %	58.33	64.44	51.35	40.00	61.65	-104.00	-24.58	22.28	12.07	-0.00
Other Income	0.00	0.00	0.00	0.02	0.00	0.09	0.19	0.02	0.06	0.14
Depreciation	0.00	0.00	0.00	0.00	0.00	0.00	0.01	0.16	0.15	0.21
Profit Before Tax	0.21	0.29	0.19	0.20	0.82	-0.43	-0.10	0.28	0.18	-0.07
Tax %	23.81	24.14	26.32	55.00	25.61	30.23	-30.00	32.14	16.67	-28.57
Net Profit	0.16	0.22	0.14	0.09	0.61	-0.30	-0.13	0.19	0.15	-0.10
EPS in Rs	0.01	0.01	0.00	0.00	0.03	0.02	0.00	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	0.03	0.03	0.03	0.06	0.01
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

	Mar 2023	Jun 2023	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Apr 2025	Jun 2025	Sep 2025
Promoters	51.50%	51.50%	51.50%	51.50%	51.50%	51.53%	51.53%	51.53%	51.99%	51.98%	50.87%	50.87%
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%	48.50%	48.50%	48.47%	48.47%	48.47%	48.01%	48.02%	49.13%	49.13%
Total Shareholders	20,868	22,820	25,355	27,585	30,172	31,488	33,612	34,214	33,316	33,323	32,569	31,820

Market Transactions

Date	Party	Category	Type	Avg Price (₹)	Total Value (₹)	Quantity	Percent Traded
Sep 30, 2025	Comfort intech limited	Insider - Promoter Group	Acquisition	3.84	0.18 Cr	4,57,670	0.21
Sep 30, 2025	Comfort intech limited	Insider - Promoter Group	Acquisition	3.84	0.18 Cr	4,57,670	0.21
Sep 19, 2025	Comfort intech limited	Insider - Promoter Group	Acquisition	3.82	0.15 Cr	3,86,792	0.18
Nov 22, 2024	Comfort intech limited	Insider - Promoter Group	Acquisition	3.00	3.57 Cr	1,19,02,660	12.6
Oct 29, 2024	Vikas ramesh mehta	Bulk	Sell	3.91	0.39 Cr	10,03,061	0.51
Oct 14, 2024	Multiplier share & stock advi...	Bulk	Buy	3.81	0.00 Cr	3,389	0.00
Oct 14, 2024	Multiplier share & stock advi...	Bulk	Sell	3.83	1.30 Cr	34,00,000	1.74
Oct 11, 2024	Vikas ramesh mehta	Bulk	Buy	3.53	0.53 Cr	15,00,000	0.76
Oct 11, 2024	Aryafin-trade services india ...	Bulk	Buy	3.53	0.35 Cr	10,00,000	0.51
Oct 11, 2024	Multiplier share & stock advi...	Bulk	Buy	3.56	1.21 Cr	33,96,611	1.74

Projection

Actions

Action Type

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Announcements

Last 7 days

Newest

Sentiment

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Documents

Presentations

Concalls

Reports

Presentations

Investor Presentation

Q2 FY26

Investor Presentation

Q3 FY25

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Financial Statements

AI Powered Summary

Discover detailed, AI-driven financial summaries that break down key metrics, trends, and insights—empowering you to make smarter investment decisions.

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Standalone Quarterly Results (in ₹ Crores)

Total Figures

QoQ Changes

Total Figures

	Jun 2023	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025
Revenue	0.36	0.45	0.37	0.45	1.33	0.50	1.18	1.84	2.32	2.76
Expenses	0.15	0.15	0.18	0.26	0.50	1.01	1.46	1.24	1.95	2.34
Interest	0.00	0.01	0.00	0.01	0.01	0.01	0.01	0.19	0.09	0.42
Financing Profit	0.21	0.29	0.19	0.18	0.82	-0.52	-0.29	0.41	0.28	-0.00
Financing Margin %	58.33	64.44	51.35	40.00	61.65	-104.00	-24.58	22.28	12.07	-0.00
Other Income	0.00	0.00	0.00	0.02	0.00	0.09	0.19	0.02	0.06	0.14
Depreciation	0.00	0.00	0.00	0.00	0.00	0.00	0.01	0.16	0.15	0.21
Profit Before Tax	0.21	0.29	0.19	0.20	0.82	-0.43	-0.10	0.28	0.18	-0.07
Tax %	23.81	24.14	26.32	55.00	25.61	30.23	-30.00	32.14	16.67	-28.57
Net Profit	0.16	0.22	0.14	0.09	0.61	-0.30	-0.13	0.19	0.15	-0.10
EPS in Rs	0.01	0.01	0.00	0.00	0.03	0.02	0.00	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	0.03	0.03	0.03	0.06	0.01
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

Peers

Symbol	Price	Market Cap	P/E	P/B	Div Yield (%)	ROE (%)	ROCE (%)	ROA (%)
MORGAN	78.01	78 Cr	3.39	0.81	0.00	23.84	15.92	7.78
MUKESHB	111.00	77 Cr	52.11	0.24	1.08	0.46	1.12	0.47
TFL	14.09	76 Cr	—	2.60	0.00	-18.95	-1.86	-6.48
LUHARUKA	3.49	75 Cr	349.00	1.21	0.00	0.18	1.13	0.12
BAMPSL	21.79	74 Cr	31.58	1.83	0.00	5.76	7.85	5.70
KAPILRAJ	3.20	72 Cr	64.00	5.51	0.00	4.66	6.85	51.60
AASTAFIN	45.84	71 Cr	8.71	0.90	0.00	10.29	11.23	6.15

Oscillators

BearishNeutralBullish

Neutral

Bearish

Neutral

Bullish

Overall

BearishNeutralBullish

Bearish

Neutral

Bullish

Moving Averages

BearishNeutralBullish

Bearish

Neutral

Bullish

Overall

BearishNeutralBullish

Bearish

Neutral

Bullish

Overview

Detailed Summary

DhanSafal Finserve Limited is a listed NBFC offering retail financial services, with a growing focus on MSME lending and loans against property.

The company has demonstrated impressive financial growth, with a 177% increase in revenue and a 336% rise in assets under management (AUM).

DhanSafal Finserve is expanding its branch network, now operational in nine locations across several Indian states, with further expansions planned.

The company is advancing automation of its loan origination and management systems to enhance operational efficiency and reduce errors.

DhanSafal's strategic initiatives include the development of new, smaller ticket loans for mass segments and beginning a journey to optimize capital through debt strategies.

Sector

Finance

Industry

NBFC-Others

Market Cap

75 Cr

Volatility

Low Risk

P/E Ratio

349.0

Industry P/E

34.5

PEG Ratio

—

P/B Ratio

1.2

52W High

5.67

52W Low

3.25

Sales CAGR

215.34%

42.50%

44.68%

10Y

22.25%

Profit CAGR

-39.34%

-13.46%

—

10Y

7.29%

ROE

TTM

0.18%

1.96%

2.11%

10Y

2.19%

ROCE

TTM

1.13%

3.55%

3.82%

10Y

3.70%