Trucap Finance Limited · NSE:TRU
Trucap Finance — FY2025 Earnings Presentation
19 slides from Trucap Finance's earnings presentation, May 26, 2025
Slide 1: Cover letter to stock exchanges
May 26, 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 – 400 0
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: At a Glance
At a Glance AUM FY’25 Disbursals Branches Average Loan Ticket Size INR 8.3 Bn INR 9.2 Bn 117 INR 0.13 Mn FY’25 NIM% Customer Base Customer Served Active Lenders 7.0% 65,600+ 446,400+ 40+ Partners L-a-a-S Partners Distribution Partners 6 100+ Lender to India’s MSME needs with a thrust on Sustainabili
Slide 5: Significant Developments
Significant Developments Acquisition Details Group Background ▪ Marwadi Chandarana Intermediaries Brokers ▪ MCG is a diversified Indian conglomerate with Pvt. Ltd., part of Marwadi Chandarana Group strong presence in capital markets and financial (MCG), has signed definitive agreements to services f
Slide 6: 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 7: Business Highlights
Business Highlights Particulars (INR Mn) FY’24 FY’25 Disbursements (Excl. Renewal) 13,165 9,224 Suatainable NIM expansion driven by increasing yield on Total AUM 10,311 8,326 loans. MSME Gold Loans AUM 6,670 4,109 Higher NIMs at 7.0%. in FY’25 vs. 3.9% in FY’24. MSME Business Loans AUM 3,544 3,273 G
Slide 8: Granular Portfolio Mix
Granular Portfolio Mix Disbursement Split AUM Split* 1% 10% 4% 1% 1% 7% 16% 1% 11% 32% 23% 36% 22% 34% 34% 50% 39% 39% 44% 38% 68% 76% 67% 33% 65% 59% 57% 49% 40% 26% 17% FY'21 FY'22 FY'23 FY'24 FY'25 FY'21 FY'22 FY'23 FY'24 FY'25 Gold Loans MSME Business Loans Green Energy Others Gold Loans MSME Bu
Slide 9: Capital Efficiency with L-a-a-S Partners
Capital Efficiency with L-a-a-S Partners Particulars (INR Mn) Mar’24 Jun’24 Sep’24 Dec’24 Mar’25 Total AUM* 10,311 11,627 12,154 11,531 8,326 L-a-a-S AUM 4,333 4,818 5,677 5,255 3,622 L-a-a-S AUM (%) 42% 41% 47% 46% 44% What is L-a-a-S? Benefits for TruCap Benefits for L-a-a-S Partners In an effort
Slide 10: Unwavering Commitment to Support Underserved, Underbanked & Women Led Businesses
Unwavering Commitment to Support Underserved, Underbanked & Women Led Businesses Cumulative Count of Customers below INR 0.5 Mn Ticket Size Cumulative Count of Tier II/III/IV Borrowers Served 380,773 423,508 270,663 304,500 150,014 127,991 59,449 48,364 7,330 5,227 FY'21 FY'22 FY'23 FY'24 FY'25 FY'2
Slide 11: Sectoral and Geographical Split of Loan Portfolio
Sectoral and Geographical Split of Loan Portfolio Top 10 Sectoral Mix as on Mar’25 Geography Construction Punjab Auto Delhi Agriculture & Allied Garments & Industries 4% Apparel 6% Goa Medical 3% 3% 4% Maharashtra 21% 8% 4% 30% Engineering 5% Uttar Pradesh 8% Green Energy 10% 18% Home/Office – Non-R
Slide 12: Cluster-based Distribution Network
Cluster-based l Distribution Network… 117 Experiential Centres 33 Maharashtra 20 Rajasthan 19 Madhya Pradesh 12 Delhi NCR/ Haryana 14 Gujarat 11 Punjab 8 Goa Expanding network to cater to MSME customer for both Gold & Business Loans. The states of Maharashtra, Gujarat, MP, Haryana and Delhi-NCR comp
Slide 13: Focused Largely in Tier II/III/IV Locations
…Focused Largely in Tier II/III/IV Locations Total Branch additions FY’20 FY’21 FY’22 FY’23 FY’24 Branches Maharashtra 2 4 5 1 Network Strength Delhi/NCR 3 3 Goa Tier I Madhya Pradesh 18 Gujarat 117 branches 85% of our branches are located Rajasthan across 8 states in in MSME hubs of Tier II, III, I
Slide 14: Portfolio Performance & Asset Quality
Portfolio Performance & Asset Quality Particulars (INR Mn) Sep’24 Dec’24 Mar’25 Gross & Net NPA’s declined by INR 15 Mn & INR 42 Mn, Gross NPA 315 322 307 respectively in the Mar’25 quarter. Gross NPA % 2.6% 2.8% 3.7% The increase in NPA percentage is primarily attributable Slippages 162 83 170 to a
Slide 15: Marquee Lenders Funding Growth
Marquee Lenders Funding Growth
Slide 16: Summary of Key Strengths
Summary of Key Strengths Strategic Infusion announced by Financial Inclusion Strong Promoter Group Extending loans to credit worthy unserved MCG Group with over 3 decades of business small businesses and clean energy led expertise in capital markets and financial services; businesses. consolidated g
Slide 17: Income Statement
Income Statement Particulars (INR Mn) FY’24 FY’25 Interest Income increased, supported by L-a-a-S Partnerships Interest Income 1,158 1,738 and growth in Green Energy AUM. Less: Finance Cost 787 987 Net Interest Margin (NIM) has improved to 7.0% in FY’25, up from 3.9% in FY’24. Net Interest Income 37
Slide 18: Balance Sheet
Balance Sheet Particulars (INR Mn) FY’24 FY’25 The loan book reduced due to portfolio run-off and modest Financial Assets 8719 6,513 disbursements given cautious lending environment to MSME’s. Cash & Investments 1,613 801 FY’25 includes higher provisions, along with a one-time Gross Loans 5,978 4,70
Slide 19: Thank You
Thank You For further information, please contact TruCap Finance Limited corpsec@trucapfinance.com www.trucapfinance.com