Trucap Finance Limited · NSE:TRU
Trucap Finance — H1 FY2025 Earnings Presentation
17 slides from Trucap Finance's earnings presentation, Nov 4, 2024
Slide 1: Exchange filing cover letter: Earnings Presentation
November 04, 2024 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 –
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 H1 FY’25 Disbursals Branches Average Loan Ticket Size INR 12.2 Bn INR 6.5 Bn 128 INR 0.12 Mn Active Lenders Active Cumulative Gross NPA 45+ Customer Base Customer Served 2.6% 98,400+ 409,000+ Partners L-a-a-S Partners Distribution Partners 6 100+ Lender To India's MSME Needs With A T
Slide 5: Business Highlights
Business Highlights Particulars (INR Mn) H1FY’24 H1FY’25 Disbursements (Excl. Renewal) 5,645 6,463 AUM 7,803 12,154 MSME Gold Loans AUM 5,012 7,888 MSME Business Loans AUM 2,657 3,865 Green Energy AUM - 330 MSME Gold Loans AUM % 64% 65% MSME Business Loans AUM % 34% 32% Green Energy AUM % 0% 3% L-a-
Slide 6: Income Statement - Quarterly
Income Statement - Quarterly Particulars (INR Mn) Q2FY’24 Q2FY’25 Y-o-Y Interest Income has risen substantially given AUM growth and scale Interest Income 270 503 86% up of L-a-a-S partnerships. Less: Finance Cost 182 270 49% Net Interest Margin (NIM) has improved, reaching 8.2% for Sep-24 quarter v
Slide 7: 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 8: Unwavering Commitment to Support Under-Served, Women Led and Clean Energy Businesses
Unwavering Commitment to Support Under-Served, Women Led and Clean Energy Businesses. Cumulative Count of Customers below INR 0.5 Mn Ticket Size Cumulative Count of Women Borrowers 90,040 390,799 304,500 70,050 150,014 36,079 59,449 11,906 7,330 1,260 FY’21 FY’22 FY’23 FY’24 H1FY’25 FY’21 FY’22 FY’2
Slide 9: Loan Growth driven by Capital Efficiency with L-a-a-S Partners
Loan Growth driven by Capital Efficiency with L-a-a-S Partners INR Mn Particulars Sep’23 Dec’23 Mar’24 Jun’24 Sep’24 What is L-a-a-S? Total Disbursement 2,946 2,999 4,520 3,785 2,678 In an effort to bolster lending to MSMEs, the company has focused L-a-a-S Disbursement* 1,465 1,582 2,569 1,971 1,414
Slide 10: Sectoral and Geographical Split of Loan Portfolio
Sectoral and Geographical Split of Loan Portfolio Top 10 Sectoral Mix as on Sep-24 Geography Agriculture & Allied Punjab Industries Plastic UP Construction 4% 5% 4% 3% Garments & Apparel Delhi Medical 4% 21% 7% MH 5% Auto 31% 5% Goa 8% Engineering 4% 19% 10% 16% Home/Office- Others Non Retail FMCG &
Slide 11: Cluster-based Distribution Network
Cluster-based Distribution Network... 128 Experiential Centres Maharashtra Rajasthan Madhya Pradesh Delhi NCR/ Haryana Gujarat Punjab Goa Expanding network to cater to MSME customers for both Gold & Business Loans. The states of Maharashtra, Gujarat, MP, Haryana and Delhi-NCR comprise 35% of MSME en
Slide 12: Focused Largely in Tier II/III/IV Cities
...Focused Largely in Tier II/III/IV Cities... Total Branch additions FY’20 FY’21 FY’22 FY’23 FY’24 Branches Network strength Maharashtra 2 4 5 Delhi/NCR 3 4 Goa Tier l Madhya Pradesh 19 128 branches More than 85% of our Gujarat 1 across 8 states in branches are located in MSME Rajasthan India hubs
Slide 13: With a Scalable Tech Platform
...With a Scalable Tech Platform Our Unified & Modular Portal will be a Customers API centralized platform acting as a core bridge Mobile App between front-end apps and back-end DSA / DST Agent/Internal Portal systems. LOS/LMS Finflux/miFIN The Middleware houses a Business Rules Business Users UNIFIED
Slide 14: Marquee Lenders Funding Growth
Marquee Lenders Funding Growth
Slide 15: Professional Management Team
Professional Management Team Mr. Rohan Juneja Mr. Sanjay Kukreja Mr. Lalit Mohan Chendvankar Ms. Sonal Sharma Mr. Mahendra Kumar Servaiya Mr. Vishal Miglani Managing Director Chief Financial Officer Chief Compliance Officer Company Secretary Chief Credit Officer Business Head - SME Loans, & CEO and Leg
Slide 16: Summary of Key Strengths
Summary of Key Strengths Collaboration with Banks and FIs Financial Inclusion Confidence in the management's Extending loans to credit worthy vision and business model unserved small businesses Customer acquisition Distribution strategy Acquiring customers through technology Phygital approach allowin
Slide 17: Thank You
Thank You For further information, please contact TruCap Finance Limited Adfactors PR Private Limited corpsec@trucapfinance.com Ms. Savli Mangle / Mr. Siddharth Soni www.trucapfinance.com savli.mangle@adfactorspr.com siddharth.soni@adfactorspr.com