Trucap Finance Limited · NSE:TRU
Trucap Finance — Q3 FY2025 Earnings Presentation
20 slides from Trucap Finance's earnings presentation, Feb 13, 2025
Slide 1: Covering letter to stock exchanges: Earnings Presentation
February 13, 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 –
Slide 2: TruCap Finance Ltd: thrust on Sustainability and Financial Inclusion
TruCap Finance Ltd thrust on Sustainability and Financial Inclusion
Slide 3: Disclaimer
tru 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 an
Slide 4: At a Glance
Ata Glance AUM INR 11.5 Bn Active Lenders 40+ 9MFY'25 Disbursals INR 8.6 Bn ae Customer Base 92,500+ L-a-a-S Partners 6 ih @ = Branches Average Loan Ticket Size 123 INR 0.13 Mn % c ‘ Customer Served Gross NPA 442,200+ 2.8% o Distribution Partners 100+ Lender To India's MSME Needs With A Thrust On Su
Slide 5: Product Mix Catering to MSMEs
tru 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 accessibl
Slide 6: Business Highlights
Business Highlights articulars (INR M: 9OMFY‘24 9OMFY‘25 Disbursements (Excl. Renewal) 8,620 8,642 NIM expansion for 3 consecutive quarters driven by Total AUM 8,514 11,531 increasing yield on loans. MSME Gold Loans AUM 5518 7.019 Quarterly NIM was 8.7%. vs. 8.2% in Sep'24 and 4.8% MSME Business Loa
Slide 7: Granular Loan Portfolio Mix
Granular Loan Portfolio Mix Disbursement Split AUM Split 0% 1% 2% 8% 15% 0% 1% 1% 3% 5% : q | | q | Dec'23 Mar'24 Jun’24 Sep’24 Dec'24 Dec'23 Mar'24 Jun’24 Sep’24 Dec'24 li Green Energy [i MSME Business Loan Il Gold Loan li Green Energy Mi MSME Business Loan ll Gold Loan Mi Others
Slide 8: Loan Growth driven by Capital Efficiency with L-a-a-S Partners
Particulars (INR Mn) Loan Growth driven by Capital Efficiency with L-a-a-S Partners Total AUM* 8,514 L-a-a-S AUM 3,467 L-a-a-S AUM (%) A1% What is L-a-a-S? In an effort to bolster lending to MSMEs, the company has focused on developing ‘Lender as a Service’ (L-a-a-S) partnerships with large lenders
Slide 9: 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 422,575 304,500 150,014 59,449 7,330 | FY'21 FY'22 FY'23 FY'24 9MFY'25 Cumulative Count of Women Borrowers funded 98,960 70,051 36,079 11,906 | 260 Ti FY'21
Slide 10: ...with Increasing Focus on Green Energy led Businesses
...with Increasing Focus on Green Energy led Businesses. Green Energy - Cumulative Disbursement (INR Mn) 686 357 155 [| 63 | Dec'23 Mar'24 Jun'24 Sep'24_ Dec'24 Green Energy - Cumulative NTC Borrowers Funded 3,992 2,085 928 405 — = Dec'23_ Mar'24 Jun’24 Sep'24_ Dec'24 Green Energy AUM (INR Mn) 633 3
Slide 11: Sectoral and Geographical Split of Loan Portfolio
Sectoral and Geographical Split of Loan Portfolio Top 10 Sectoral Mix as on Dec-24 Agriculture & Allied Industries Auto \ Construction \ Medical \ \ Green Energy —_ Engineering i a Garments & Apparel / "> Home/Office: Retail FMCG & Kirana/ General Store | Home/Office- Non Retail Home/Office - Retail
Slide 12: Cluster-based Distribution Network... Experiential Centres
Cluster-based Distribution Network... 123 Experiential Centres Maharashtra Rajasthan Madhya Pradesh Delhi NCR/ Haryana Gujarat Punjab COR OR OF OR OF OF ©) Goa Expanding network to cater to MSME customers for both Gold & Business Loans. The states of Maharashtra, Gujarat, MP, Haryana and Delhi-NCR c
Slide 13: ...Focused Largely in Tier II/III/IV Cities...
...Focused Largely in Tier II/III/IV Cities... Total Branch additions Branches Maharashtra Delhi/NCR Goa Madhya Pradesh Gujarat Rajasthan Punjab Maharashtra 4 3 5 9 Delhi/NCR 4 1 2 1 Goa 2 4 2 Tier 104 Tyne Madhya Pradesh 7 12 Gujarat 5 10 Rajasthan 1 20 Punjab 12 Network strength i 123 branches Mor
Slide 14: Portfolio Performance & Asset Quality
Portfolio Performance & Asset Quality Particulars (INR Mi Sep'24 D Gross NPA Gross NPA % Slippages Recoveries 315 2.6% 162 12 322 2.8% 83 76 Gross NPA’s in the Non-Gold vertical declined by INR 33 Mn in the Dec’24 quarter vs. an increase of INR 117 Mn in Sep’24. In the Dec’24 quarter, the company sa
Slide 15: Unified technology architecture
Customers API Mobile App DSA / DST Agent/Internal Portal LOS/LMS Fin ux/miFIN Business Users Partner Systems UNIFIED & Internal Dashboard MS Dynamics, Banks Modular Portal BRE Middleware ! Trade-craft CB, Regulatory ! Data Sync Internal Auditors ! Mediation External Systems ! Import/Export Transacti
Slide 16: Marquee Lenders Funding Growth
tru Marquee Lenders Funding Growth OSBI PE «= Picicipank = ED Wotak,,., #5 BlucOrchard A responsability / YES BANK pebihsd DCB BANK | @) IDBI BANK Klay EEESAF ivcussierormance - Protium Px SHIVALIK Fee| P | POONAWALLA 1, BONDSINDIA’ & Indian Overseas Bank os BE, G LoIKO ae caspian” Chola = OIKO mur
Slide 17: 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 L
Slide 18: Summary of Key Strengths
Summary of Key Strengths Collaboration with Banks and Fls Confidence in the management's vision and business model Customer acquisition Acquiring customers through technology assets, an experiential center, a captive sales team, and direct selling agents Enhancing technology We are expanding our rea
Slide 19: Income Statement
Income Statement Particulars (INR Mn) QMFY'24 | 9MFY'25 Q2FY'25 Interest Income has risen Interest Income 833 1,425 71% 503 489 -3% substantially given L-a-a-S ' Partnerships & Green Energy AUM Less: Finance Cost 560 779 39% 270 248 -8% growth. Net Interest Income 273 645 136% 233 242 4% Net Interes
Slide 20: 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