Trucap Finance Limited · NSE:TRU
Trucap Finance — Q1 FY2026 Earnings Presentation
12 slides from Trucap Finance's earnings presentation, Aug 14, 2025
Slide 1: Intimation of Business Presentation to BSE and NSE
August 14, 2025 To, To, The General Manager The Manager Department of Corporate Services Department of Corporate Compliance BSE Limited National Stock Exchange of India Limited Phiroze Jeejeebhoy Towers, Exchange Plaza, Bandra Kurla Complex, Dalal Street, Mumbai – 400 001. Bandra (East), Mumbai – 40
Slide 2: Lender to MSMEs with a thrust on Sustainability and Financial Inclusion
Lender to MSMEs with a thrust on Sustainability and Financial Inclusion
Slide 3: Disclaimer
Disclaimer This presentation has been prepared by TruCap Finance Limited (the "Company") solely for information purposes and does not constitute any offer, recommendation or invitation to purchase or subscribe for any securities, and shall not form the basis or be relied on in connection with any co
Slide 4: Business Highlights
Business Highlights Particulars (INR Mn) Q1 FY’25 Q1 FY’26 Decline in AUM due to stress & caution seen in MSME & AUM 10,627 5,986 small ticket lending environment. No of branches 128 110 Decline in branch count due to consolidation of certain Active Customer (Count) 100,674 43,201 branches in MP & D
Slide 5: Product Mix Catering to MSMEs
Product Mix Catering to MSMEs TruCap believes in providing financial access through a diverse range of product offerings to underserved MSMEs. The company is a one-stop solution for all Credit requirements, categorized and customized as per the customer's needs. The products are easily accessible wit
Slide 6: Granular Portfolio Mix
Granular Portfolio Mix AUM Split* 1% 1% 1% 1% 1% 1% 3% 5% 11% 20% 32% 32% 33% 39% 46% 66% 65% 61% 49% 34% Jun'24 Sep'24 Dec'24 Mar'25 Jun'25 Gold Loans MSME Business Loans Green Energy Others *Gold Loan AUM split reduced due to portfolio run-off.
Slide 7: Sectoral and Geographical Split of Loan Portfolio
Sectoral and Geographical Split of Loan Portfolio Top 10 Sectoral Mix as on Jun’25 Geography Construction Punjab Agriculture & Allied Auto Goa Industries Garments & 3% 6% 4% 3% Apparel Delhi Medical 4% Maharashtra 20% 7% 4% 30% Engineering 5% Rajasthan 8% Green 7% Energy 19% Home/Office – Madhya 8%
Slide 8: Cluster-based Distribution Network… Experiential Centers
l Cluster-based Distribution Network… 110 Experiential Centers 31 Maharashtra 19 Rajasthan 16 Madhya Pradesh 14 Delhi NCR/ Haryana 14 Gujarat 8 Punjab 8 Goa The states of Maharashtra, Gujarat, MP, Haryana and Delhi-NCR comprise 35% of MSME enterprises. 68% of our Experiential Centers are located in
Slide 9: …Focused Largely in Tier II/III/IV Locations
…Focused Largely in Tier II/III/IV Locations Total Branch additions FY’21 FY’22 FY’23 FY’24 Branches Maharashtra 1 4 5 1 Network Strength Delhi NCR/Haryana 3 3 Goa Tier I Madhya Pradesh 17 Gujarat 110 branches 85% of our branches are located Rajasthan across 8 states in in MSME hubs of Tier II, III,
Slide 10: Portfolio Performance & Asset Quality
Portfolio Performance & Asset Quality Particulars (INR Mn) Jun’24 Sep’24 Dec’24 Mar’25 Jun’25 The increase in NPA percentage is primarily due to stress in MSME lending coupled with decline in AUM due to Gross NPA 165 315 322 307 393 portfolio run-off and limited disbursements. Gross NPA % 1.5% 2.6%
Slide 11: Income Statement
Income Statement Particulars (INR Mn) Q1 FY’25 Q1 FY’26 Interest Income 432 280 Less: Finance Cost 261 195 Net Interest Income 171 85 Fee & Other Income 92 139 Total Net Income 262 225 Operating Expenses 231 277 Provisions 10 103 Profit / Loss Before Tax 21 (156) Less: Tax 7 (67) Profit / Loss After
Slide 12: Thank You
Thank You For further information, please contact TruCap Finance Limited corpsec@trucapfinance.com www.trucapfinance.com