Trucap Finance Limited
TruCap Finance Limited is listed on BSE and NSE, a non-deposit-taking RBI Registered NBFC. It is a specialized MSME lender solving the gap in providing access to affordable credit solutions to entrepreneurs. They try to ensure that small business own...
Key Metrics
EPS
0.94
Current ratio
6.76
Debt/Equity
3.35
Debt/EBITDA
34.29
Interest coverage ratio
-
Operating Cashflow to total debt
-0.30
Financials
Pros & Cons
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Here's what we like about this company and potential risks we have identified.
Pros
Scaling-up of loan book beyond ₹800 crore, while maintaining asset quality with leverage within 3.5x.
Improving profitability, while maintaining a healthy asset quality, on a sustained basis.
Improving earnings profile
Comfortable capital adequacy position driven by capital infusion at regular intervals
Experienced management team
Liquidity: Adequate
Cons
Deteriorating asset quality with gross non-performing asset (GNPA) exceeding 3% on a sustained basis.
Deteriorating profitability with return on total assets (ROTA) below 1% on a sustained basis.
Increasing assets under management (AUM)/tangible net worth (TNW) ratio beyond 4.5x.
Moderate asset quality
Moderate resource profile with major funding from NBFCs
Limited track record of the company
High operating expense
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About Trucap Finance Limited bond.
This comprehensive profile covers key factual information about Trucap Finance Limited. TruCap Finance Limited is listed on BSE and NSE, a non-deposit-taking RBI Registered NBFC. It is a specialized MSME lender solving the gap in providing access to affordable credit solutions to entrepreneurs. They try to ensure that small business owners get finance to drive business growth aligned with their ambitious aspirations of building sustainable and profitable entities. By leveraging technology, they have built a hassle free loan process attuned to the requirements of small businesses. Along with providing access to financial capital, we strive to create positive impact and build social capital for our stakeholders EPS in Mar-2024 was 0.94. Current ratio in Mar-2024 was 6.76. Debt/Equity in Mar-2024 was 3.35. Debt/EBITDA in Mar-2024 was 34.29. Interest coverage ratio in Mar-2024 was . Operating Cashflow to total debt in Mar-2024 was -0.30. Total revenue for Mar-2025 was ₹192.93. Net income for Mar-2025 stood at ₹7.51. Total assets as of Mar-2024 were ₹921.01. Total liabilities as of Mar-2024 were ₹709.10. Operating cash flow for Mar-2024 was ₹-211.95. The company’s borrowing relationships include A. K. Capital Finance Limited. (₹N/A Cr), Ambit Finvest Privet Limited. (₹N/A Cr), Bank of Baroda (₹N/A Cr), Blacksoil Capital Privet Limited. (₹N/A Cr), Caspian Impact Investments Privet Limited. (₹N/A Cr), Central Bank of India (₹N/A Cr), Cholamandalam Investment and Finance Company Limited. (₹N/A Cr), Credit Saison Private Limited (₹N/A Cr), CSB Bank Limited. (₹N/A Cr), DCB Bank Limited. (₹N/A Cr), ESAF Small Finance Bank Limited. (₹N/A Cr), Fincare Small Finance Bank Limited. (₹N/A Cr), HDFC Bank Limited. (₹N/A Cr), Hinduja Leyland Finance Limited. (₹N/A Cr), IDBI Bank Limited. (₹N/A Cr), IKF Finance Limited. (₹N/A Cr), Incred Financial Services Privet Limited. (₹N/A Cr), Indian Overseas Bank (₹N/A Cr), Kotak Mahindra Bank Limited. (₹N/A Cr), MAS Financial Services Limited. (₹N/A Cr), Nabkisan Finance Limited. (₹N/A Cr), Nabsamruddhi Finance Limited. (₹N/A Cr), Northern Arc Capital Limited. (₹N/A Cr), Poonawalla Fincorp Limited (₹N/A Cr), Proposed (₹N/A Cr), Punjab & Sind Bank (₹N/A Cr), Shivalik Small Finance Bank (₹N/A Cr), Shriram Finance Limited (₹N/A Cr), Small Industries Development Bank of India (₹N/A Cr), State Bank of India (₹N/A Cr), STCI Finance Limited. (₹N/A Cr), Utkarsh Small Finance Bank Limited. (₹N/A Cr), Western Capital Advisors Privet Limited (₹N/A Cr), Yes Bank Limited. (₹N/A Cr). Peers and comparison entities consist of Trucap Finance Limited, Bajaj Finance Limited, Jio Financial Services Limited, Shriram Finance Limited. As of Dec 2024, promoters hold N/A% while others hold N/A% of equity. Key strengths include: Scaling-up of loan book beyond ₹800 crore, while maintaining asset quality with leverage within 3.5x.; Improving profitability, while maintaining a healthy asset quality, on a sustained basis.; Improving earnings profile; Comfortable capital adequacy position driven by capital infusion at regular intervals; Experienced management team; Liquidity: Adequate; . Key risks include: Deteriorating asset quality with gross non-performing asset (GNPA) exceeding 3% on a sustained basis.; Deteriorating profitability with return on total assets (ROTA) below 1% on a sustained basis.; Increasing assets under management (AUM)/tangible net worth (TNW) ratio beyond 4.5x.; Moderate asset quality; Moderate resource profile with major funding from NBFCs; Limited track record of the company; High operating expense. Leadership team details include Mr.Rakesh Sethi (Chairperson & Independent Director), Mr.Krishipal Tarachand Raghuvanshi (Independent Director), Mr.Nirmal Vinod Momaya (Independent Director), Ms.Geetu Gidwani Verma (Independent Director), Ms.Abha Kapoor (Independent Director), Mr.Rohanjeet Singh Juneja (Managing Director & CEO), Mr.Rajiv Kapoor (Non Executive Non Independent Director), Mrs.Rushina Mehta (Non Executive Non Independent Director), Mr.Atwood Porter Collins (Non Executive Non Independent Director), Mr.Gaurav Bhargava (Business Head), Mr.Mahendra Kumar Servaiya (Chief Credit Officer), Mr.Sanjay Kukreja (Chief Financial Officer), Ms.Sonal Sharma (Company Secretary & Compliance Officer), Mr.Mohinder Dogra (Head), Mr.Syamantak Mayekar (Head), Mr.Lalit Mohan Chendvankar (Head - Legal & Chief Compliance Officer), Mr.Vishal Miglani (Senior Vice President). This detailed corporate overview is structured to provide a thorough understanding of all available data points, enhance search visibility, and support investor analysis.