Overview
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
59 Cr
- Volatility
Moderate Risk
- P/E Ratio
86.7
- Industry P/E
17.3
- PEG Ratio
1.7
- P/B Ratio
0.9
- 52W High
5.18
- 52W Low
1.91
Financial Ratios
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
- 1.10%
- 3Y
- 1.96%
- 5Y
- 2.11%
- 10Y
- 2.19%
ROCE
- TTM
- 3.47%
- 3Y
- 3.55%
- 5Y
- 3.82%
- 10Y
- 3.70%
Technicals
Oscillators
Bearish
Bearish
6
Neutral
6
Bullish
2
Overall
Bearish
Bearish
23
Neutral
8
Bullish
15
Moving Averages
Bearish
Bearish
17
Neutral
2
Bullish
13
Actions
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