TruCap Finance Ltd.
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ABOUT
KEY POINTS
Revenue Breakup Mar 2025 • Fund Based Activities: 93.5% • Advisory Services: 6.5%
AI Sector View
AI GENERATEDFinancial Services
Financials remain one of the clearest macro beneficiaries. Loan growth was 18.3% (Aug/26) versus deposit growth 14.7% (Aug/26), SCB credit growth was 17.5% YoY (2026-07), UPI transactions rose 22.0% YoY (2026-07), and M3 money supply grew 15.0% YoY (2026-07). Sector flows have also turned meaningfully supportive, with INR 13171 crore net FPI inflow over 3 months to 2026-08-31 after INR -114652 crore in the prior 3 months.
PROS
- Comfortable capital adequacy - CAR of 23.6%
- Company has delivered good sales growth of 59.4% CAGR over last 5 years
CONS
- Company is loss-making at the operating / net level
- Net NPA is elevated at 2.2% - provisioning cushion is thin
- Company has a low return on equity of -9.5% over last 3 years
- Promoter holding has decreased over last 2 years: -11.2pp
- Company has a low return on capital employed of 8.2%
* The pros and cons are machine generated based on quantitative rules.
Peer comparison
| Name | ||||||||||
|---|---|---|---|---|---|---|---|---|---|---|
| PFC | 353.25 | 4.48 | 116576.09 | 5.25 | 8997.92 | 0.18 | 28526.86 | 0.32 | 10.05 | 99.88 |
| IRFC | 81.07 | 14.73 | 105946.38 | 2.59 | 1927.21 | 10.40 | 8261.11 | 451.73 | 5.64 | 99.49 |
| RECLTD | 312.90 | 5.14 | 82393.58 | 5.93 | 4192.76 | -6.11 | 14434.92 | -1.51 | 9.71 | 96.90 |
| IFCI | 82.32 | 127.15 | 22179.60 | 0.00 | 60.27 | -3.46 | 327.06 | 4.79 | 7.56 | 57.66 |
| TFCILTD | 140.55 | 76.12 | 6507.15 | 0.43 | 18.38 | -8.25 | 51.00 | -17.46 | 11.13 | 90.10 |
| SATIN | 216.75 | 5.84 | 2394.46 | 0.00 | 1226.46 | 2619.42 | 7621.36 | 983.89 | 12.15 | 62.96 |
| TRU | 4.32 | 0.00 | 51.35 | 0.00 | -10.58 | -16.29 | 11.27 | -62.55 | 3.48 | -79.12 |
Quarterly Results
Consolidated Figures in Rs. Crores / View Standalone
| Jun 2023 | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 | Jun 2026 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 38 | 43 | 40 | 41 | 52 | 58 | 52 | 35 | 30 | 23 | 15 | 15 | 11 | |
| 17 | 20 | 22 | 24 | 22 | 26 | 25 | 71 | 36 | 48 | 52 | 19 | 26 | |
| Operating Profit | 21 | 22 | 18 | 18 | 30 | 31 | 27 | -36 | -6 | -25 | -37 | -5 | -9 |
| OPM % | 54.54% | 52.60% | 44.27% | 42.57% | 57.43% | 54.19% | 51.81% | -100.42% | -20.74% | -109.25% | -245.76% | -31.20% | -79.12% |
| Other Income | 0 | 0 | 9 | 12 | 0 | 1 | 1 | 1 | 12 | 2 | 1 | 1 | 1 |
| Interest | 17 | 18 | 21 | 23 | 26 | 27 | 25 | 21 | 20 | 20 | 14 | 21 | 4 |
| Depreciation | 2 | 2 | 3 | 2 | 2 | 2 | 2 | 21 | 2 | 2 | 2 | 2 | 2 |
| 1 | 3 | 3 | 4 | 2 | 3 | 1 | -76 | -16 | -46 | -52 | -26 | -14 | |
| Tax % | 27.89% | 46.67% | 13.33% | -38.78% | 35.14% | 61.45% | -24.68% | 11.36% | 42.41% | 27.86% | 19.14% | 27.29% | 24.62% |
| Net Profit | 0 | 0 | 0 | 0 | 1 | 1 | 1 | -68 | -9 | -33 | -42 | -19 | -11 |
| 0 | 0 | 0 | 0 | 0 | 0 | 0 | -5 | -1 | -3 | -4 | -2 | -0 |
Profit & Loss
Consolidated Figures in Rs. Crores / View Standalone
| Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | TTM | |
|---|---|---|---|---|---|---|---|---|
| 19 | 19 | 30 | 76 | 123 | 162 | 197 | 64 | |
| 12 | 12 | 22 | 40 | 65 | 83 | 144 | 145 | |
| Operating Profit | 8 | 8 | 8 | 36 | 58 | 78 | 52 | -82 |
| OPM % | 39.45% | 39.40% | 26.45% | 47.54% | 46.83% | 48.44% | 26.62% | -128.00% |
| 0 | 0 | 0 | 0 | 3 | 21 | 3 | 4 | |
| Interest | 5 | 2 | 4 | 24 | 51 | 79 | 99 | 60 |
| Depreciation | 0 | 0 | 1 | 5 | 8 | 9 | 28 | 7 |
| Profit before Tax | 2 | 6 | 3 | 7 | 2 | 11 | -71 | -139 |
| Tax % | 12.06% | 26.74% | 53.24% | 44.57% | 74.39% | 4.03% | 16.74% | 24.12% |
| Net Profit | 2 | 4 | 1 | 4 | 1 | 11 | -59 | -105 |
| EPS | 0.00 | 0.00 | 0.14 | 0.45 | 0.06 | 0.94 | -5.07 | — |
| Dividend Payout % | 15.81% | 3.33% | 5.88% | 2.23% | 18.41% | 1.07% | 0.00% | — |
COMPOUNDED SALES GROWTH
- 10 Years:
- —
- 5 Years:
- 59%
- 3 Years:
- 37%
COMPOUNDED PROFIT GROWTH
- 10 Years:
- —
- 5 Years:
- —
- 3 Years:
- —
STOCK PRICE CAGR
- 10 Years:
- —
- 5 Years:
- —
- 3 Years:
- -59%
- 1 Year:
- -64%
RETURN ON EQUITY
- 10 Years:
- —
- 5 Years:
- -5%
- 3 Years:
- -10%
- Last Year:
- -34%
Balance Sheet
Consolidated Figures in Rs. Crores / View Standalone
| Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | |
|---|---|---|---|---|---|---|---|
| Equity Capital | 14 | 14 | 15 | 18 | 23 | 23 | 23 |
| 12 | 15 | 77 | 148 | 182 | 174 | 124 | |
| 26 | 16 | 81 | 286 | 443 | 686 | 520 | |
| Trade Payables | 0 | 0 | 3 | 6 | 2 | 3 | 2 |
| 0 | 5 | 14 | 20 | 29 | 30 | 13 | |
| Total Liabilities | 52 | 50 | 189 | 478 | 679 | 917 | 683 |
| 1 | 3 | 11 | 23 | 24 | 31 | 22 | |
| Capital Work in Progress | 0 | 0 | 1 | 2 | 1 | 0 | 0 |
| 0 | 1 | 11 | 26 | 49 | 28 | 31 | |
| 0 | 0 | 0 | 0 | 0 | 63 | 36 | |
| Cash & Bank | 4 | 3 | 48 | 79 | 88 | 123 | 69 |
| 47 | 41 | 118 | 348 | 518 | 673 | 526 | |
| Total Assets | 52 | 50 | 189 | 478 | 679 | 917 | 683 |
Cash Flows
Consolidated Figures in Rs. Crores / View Standalone
| Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | |
|---|---|---|---|---|---|---|---|
| 4 | 14 | -78 | -181 | -145 | -212 | 212 | |
| Cash from Investing | 2 | -4 | -34 | -73 | -66 | 30 | -28 |
| Cash from Financing | -3 | -11 | 145 | 284 | 197 | 245 | -246 |
| 1 | -2 | 31 | 26 | -21 | 63 | -62 |
Ratios
Consolidated Figures in Rs. Crores / View Standalone
| Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | |
|---|---|---|---|---|---|---|---|
Documents
Corporate disclosures, annual reports, credit ratings, and concall transcripts
2026-09-08 - Sundae Capital Advisors Private Limited has Submitted to the Exchange a copy of Update on the Open Offer given by Marwadi Chandarana Intermediaries Brokers Private Limited (Acquirer) to the shareholders of Trucap Finance Limited (Target Company).
2026-09-05 - TruCap Finance Limited has informed the exchange about copy of Newspaper Publication(s) regarding dispatch of 32nd Annual General Meeting of the Company, scheduled to be held on Tuesday, September 29, 2026, at 3:00 p.m. (IST), through Video-Conferencing/Other Audio-Visual Means.
2026-09-04 - TruCap Finance Limited has informed the Exchange that Register of Members & Share Transfer Books of the Company will remain closed from Wednesday, September 23, 2026 to Tuesday, September 29, 2026 for the purpose of Annual General Meeting.
2026-09-04 - TruCap Finance Limited has informed the exchange regarding Notice of the Annual General Meeting of the Company scheduled to be on Tuesday, September 29, 2026 at 3:00 p.m. (IST) through Video-Conferencing/Other Audio-Visual Means (VC/OAVM).
2026-09-01 - Sundae Capital Advisors Private Ltd has submitted to the Exchange a copy of Update on the Open offer given by Marwadi Chandarana Intermediaries Brokers Private ltd to the shareholders of the company.
2026-09-01 - TruCap Finance Limited has informed the Exchange about copies of newspaper publication(s) on pre-dispatch of Notice of 32nd Annual General Meeting to be held on Tuesday, September 29, 2026 at 3:00 p.m. (IST).
2026-08-15 - TruCap Finance Limited has informed the Exchange about copy of newspaper publication regarding unaudited financial results for the quarter ended June 30, 2026.
2026-08-13 - TruCap Finance Limited has informed the Exchange about statement of deviation(s) or variation(s) under Reg. 32
2026-08-13 - TruCap Finance Limited has informed the Exchange regarding appointment of Mr Shailendra Roy as Interim Chief Financial Officer of the Company w.e.f. August 14, 2026.
News
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TruCap Finance Ltd.
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