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Discovery themes featuring this stock
Investor Presentation
Q1 FY27
Investor Presentation
Q4 FY26
Investor Presentation
Q2 FY26
Investor Presentation
Q1 FY26
Raama Finance Limited is an RBI-registered NBFC-ICC operating the FastSalary consumer brand, providing AI-driven, short-tenor, small-ticket loans to India’s salaried workforce through a fully digital, app- and chat-native platform.
Q1 FY27 showed a step-change: ₹43.99 crore disbursed, total revenue ₹21.31 crore and PAT ₹4.35 crore, with Q1 revenue exceeding FY26 full-year, signalling rapid scale-up of originations and improving monetisation of the book within three quarters.
The company serves over 6,700 pin codes with employer-anchored underwriting and 1,200+ HRMS integrations, delivering ~70% repeat usage and a blended customer acquisition cost of ~₹1,400, indicating a strong repeat-borrower flywheel and low incremental acquisition economics.
Raama’s tech stack centres on AI underwriting (~15 APIs, ~130 data points), WhatsApp-native flows, Account Aggregator integrations and automated servicing tools such as NACH auto-debits and AI collections, which collectively aim to lower acquisition and servicing costs and improve throughput.
Regulatory tailwinds — RBI’s Account Aggregator rails, OCEN, co-lending policy and a proactive approach to DPDP and SRO membership — create structural opportunities and mandate higher governance, positioning Raama to scale under clearer digital-lending rules.
Finance
Non Banking Financial Company (NBFC)
86 Cr
Low Risk
11.6
15.5
0.0
2.8
20.86
5.76
Sales CAGR
Profit CAGR
ROE
ROCE
Discovery themes featuring this stock
| Symbol | Watchlist | Price | Market Cap | P/E | P/B | Div Yield (%) | ROE (%) | ROCE (%) | ROA (%) |
37.43 | 94 Cr | 120.94 | 0.89 | 0.00 | 11.72 | 1.12 | 0.73 | ||
0.58 | 89 Cr | -29.15 | 0.56 | 0.00 | -2.37 | -2.55 | -2.52 | ||
125.30 | 87 Cr | -144.23 | 0.76 | 0.00 | -3.85 | -5.43 | -0.51 | ||
59.99 | 86 Cr | 34.29 | 0.64 | 0.00 | 1.67 | 2.91 | -0.19 | ||
9.02 | 86 Cr | 11.64 | 2.84 | 0.00 | 11.04 | 12.19 | 16.86 | ||
120.00 | 82 Cr | 22.90 | 0.24 | 1.02 | 1.51 | 3.30 | 0.72 | ||
7.75 | 80 Cr | 10.73 | 0.74 | 1.13 | 6.85 | 8.69 | 5.63 | ||
| Median: 7 Co. | — | 37.43 | 86 Cr | 11.64 | 0.74 | 0.00 | 1.67 | 2.91 | 0.72 |
Bearish
3
Neutral
1
Bullish
10
Bearish
35
Neutral
1
Bullish
10
Bearish
32
Neutral
0
Bullish
0
Bearish
32
Neutral
0
Bullish
0
Bearish
32
Neutral
0
Bullish
0
Bearish
32
Neutral
0
Bullish
0
Raama Finance Ltd (RLFL) is currently trading at 9.02 per share. Stock prices fluctuate during market hours on NSE and BSE based on demand, company updates, and overall market conditions. Refer to the live price chart above for the most recent price movement.
Raama Finance Limited is an RBI-registered NBFC-ICC operating the FastSalary consumer brand, providing AI-driven, short-tenor, small-ticket loans to India’s salaried workforce through a fully digital, app- and chat-native platform. Q1 FY27 showed a step-change: ₹43.99 crore disbursed, total revenue ₹21.31 crore and PAT ₹4.35 crore, with Q1 revenue exceeding FY26 full-year, signalling rapid scale-up of originations and improving monetisation of the book within three quarters. The company serves over 6,700 pin codes with employer-anchored underwriting and 1,200+ HRMS integrations, delivering ~70% repeat usage and a blended customer acquisition cost of ~₹1,400, indicating a strong repeat-borrower flywheel and low incremental acquisition economics. Raama’s tech stack centres on AI underwriting (~15 APIs, ~130 data points), WhatsApp-native flows, Account Aggregator integrations and automated servicing tools such as NACH auto-debits and AI collections, which collectively aim to lower acquisition and servicing costs and improve throughput. Regulatory tailwinds — RBI’s Account Aggregator rails, OCEN, co-lending policy and a proactive approach to DPDP and SRO membership — create structural opportunities and mandate higher governance, positioning Raama to scale under clearer digital-lending rules.
Over the past 52 weeks, Raama Finance Ltd has traded between a low of ₹5.76 and a high of ₹20.86. The 52-week high and low indicate the stock’s price range over the last year and help investors understand its volatility and recent trading levels.
Raama Finance Ltd has a market capitalization of approximately 86.23. Market capitalization represents the total value of a company’s outstanding shares and helps investors understand its size, stability, and relative risk compared to other listed companies.
Raama Finance Ltd’s investment profile depends on its business fundamentals, valuation, and long-term outlook. The stock currently trades at a PE ratio of 11.64 and operates in the its sector sector. Investors typically assess financial performance, growth prospects, and individual risk tolerance before making investment decisions.
Based on its market capitalization of 86.23 Cr, Raama Finance Ltd is classified as a Small Cap stock. Large-cap stocks are generally more stable, while mid-cap and small-cap stocks tend to offer higher growth potential along with higher price volatility.
Raama Finance Ltd operates in the its sector sector. Sector classification matters because companies in the same sector are often affected by similar economic conditions, regulatory changes, and competitive dynamics, which can influence overall stock performance.
The Price-to-Earnings (PE) ratio of Raama Finance Ltd is 11.64. The PE ratio compares a company’s share price to its earnings and is commonly used to assess valuation. Comparing the PE ratio with sector peers and historical levels provides better context.
Raama Finance allotted 97 lakh fully paid-up equity shares on conversion of an equal number of warrants.
The dataset states revenue of INR 95.96 million (about Rs 9.596 crore), net income of INR 26.28 million (about Rs 2.628 crore), and EPS of INR 0.14 for the latest quarter.
