Baid Finserv Limited · NSE:BAIDFIN
Baid Finserv — Q1 FY26 Earnings Presentation
43 slides from Baid Finserv's earnings presentation, Jun 30, 2025
Slide 1: Q1 FY26 Investor Presentation
Q1 FY26 Investor Presentation
Slide 2: Disclaimer
Disclaimer This presentation and the accompanying slides (the “Presentation”), which have been prepared by Baid Finserv Limited (BAIDFIN, The Company) solely for information purposes and do not constitute any offer, recommendation or invitation to purchase or subscribe for any securities and shall n
Slide 3: Q1 FY26 Highlights
Q1 FY26 Highlights
Slide 4: Q1 FY26 Key Financial Highlights
Q1 FY26 Key Financial Highlights Total Income (In ₹ Cr) EBITDA (In ₹ Cr) PAT (In ₹ Cr) 4.02 13.6 23.91 11.32 3.12 19.35 Q1 FY 25 Q1 FY 26 Q1 FY 25 Q1 FY 26 Q1 FY 25 Q1 FY 26 Inves tor Pres entation 4
Slide 5: Q1 FY26 Profit & Loss Statement
Q1 FY26 Profit & Loss S tatement In ₹ Cr Particulars Q1 FY25 Q1FY26 Revenues 18.88 23.78 Other Income 0.47 0.13 Total Income 19.35 23.91 Raw Material Expenses 2.63 4.27 Employee Costs 2.04 2.38 Other Expenses 3.37 3.66 Total Expenditure 8.03 10.31 EBITDA 11.32 13.60 Finance Costs 7.09 7.99 Depreciat
Slide 6: Company Overview
Company Overview
Slide 7: Baid Finserv Limited @ Glance
Baid Finserv Limited @ Glance Baid Finserv Limited (BAIDFIN, The Company) is a Non-Deposit Taking NBFC (Base Layer) that specializes in providing Secured M SM E Loans (LAP), Vehicle Loans, and Insurance products. Established in 1991 and based in Jaipur, the company has more than 33 years of experien
Slide 8: Key Metrics Overview
Key Metrics Overview 33 + 52 50,000 + 411.18 Cr Years Of Experience Branches S atisfied Cu stomers AUM 9,991 BBB 244 0.81% Active Cus tomer Credit Rating Employees Net NPA Care Edge. 7,308 Customer Q1 FY26 Addition Disbursement Q1 FY26 Q1 FY26 Collection Efficiency Revenue ₹ 23.91 Cr 94.24 % EBITDA
Slide 9: Vision, Mission, & Core Values
Vision, Mission, & Core Values Our Vision In its commitment to serving the underserved segments of Integrity Transparency society, the company endeavors to create value at the bottom of the pyramid. By extending financial services to the weaker and often overlooked s ections of society,it aims to ge
Slide 10: Key Milestones In Company's Journey
Key Milestones In Company's Journey Inves tor Pres entation 10
Slide 11: Serving The Underbanked In Semi-urban & Rural Areas
S erving The Underbanked In S emi-urban & Rural Areas 52 branch offices in semi-urban and rural areas across Rajasthan, Madhya Pradesh and Gujarat. Indore (RO) Mehsana Depalpur Dudu Jhunjhunu Nawalgarh Phulera Sikar Dedodhar Jodhpur Dewas Mandsaur Damoh Sagar Chirawa Dungargarh Kishangarh Neem Ka Th
Slide 12: Diverse Lending Portfolio With Proven Long Term Relations
Diverse Lending Portfolio With Proven Long Term Relations Banks Financial Institutions The company has 18 active lenders, each providing valuable resources to support its financial endeavors. Inves tor Pres entation 12
Slide 13: Empowering Communities: Baid Finserv's CSR Initiatives
Empowering Communities: Baid Finserv's CSR Initiatives • Baid Finserv Limited's CSR initiatives aim to uplift the disadvantaged/marginalized segments of society by enhancing their quality of life. This includes assistance for serious illnesses, educational support for underprivileged students, and e
Slide 14: Business Overview
Business Overview
Slide 15: Service Offerings: Driving Growth & Diversification
Service Offerings: Driving Growth & Diversification Vehicle Loans Mortgage & Business Loans • Tractor Loan • M S M E / Business Loan • Commercial Vehicle Loan • Loan Against Property • Car Loan Insurance • Life Insurance • Dwelling Insurance • M otor Insurance Inves tor Pres entation 15
Slide 16: Empowering New Borrowers: Service Offering Insights
Empowering New Borrowers: Service Offering Insights Unlocking Mobility For New Vehicle Owners Empowering Dreams, Empowering Entrepreneurs Loans of upto ₹ 10 Lakhs to first Secured loan designed for first-time Vehicle M ortgage time vehicle owners loan takers, offering financing of up Loans Loans to
Slide 17: Quantifying Financial Operations: AUM, Borrowing, & Interest Trends
Quantifying Financial Operations: AMU, Borrowing, & Interest Trends Total AUM (In ₹ Cr) Total Borrowing (In ₹ Cr) 397 411 274 368 255 241 305 171 FY23 FY24 FY25 Q1 FY26 FY23 FY24 FY25 Q1 FY26 (In % ) Average Cost of Borrowings (In % ) Average lending Rate 22.4 12.5 11.9 21.3 21.1 11.36 21.17 11.15 F
Slide 18: Baid Finserv's Loan Disbursement Framework
Baid Finserv's Loan Disbursement Framework Vehicle Loan Branch M anager Field Officer's Verification of Lead's Field Assessment/ Lead Generation Approval of Credit Inspection (as Validation of Leads KYC and CIBIL Check Valuation required) Telephonic Review Branch Operations Final Approvals by Final
Slide 19: Training & Development Initiatives: Empowering Growth & Efficiency
Training & Development Initiatives: Empowering Growth & Efficiency In No. • New Hire Induction: Comprehensive program introducing company, policies, and Total Workforce structure. 244 • Department Training: Regular sessions at HQ to update on roles and policies. 243 • Internal Communication: Weekly
Slide 20: Streamlined Operations: Enhancing Efficiency Through Technology
Streamlined Operations: Enhancing Efficiency Through Technology Vehicle valuation Data S ecurity Real-time Vehicle All data is centrallybacked Information Technology up on the head office Valuation: Instantly Networking Initiating Valuations via server,with email/folders the Auto Swift App to passwo
Slide 21: Streamlining Payment Processes: Leveraging Digital Solutions For Efficient Collections
Streamlining Payment Processes: Leveraging Digital Solutions For Efficient Collections Digital Payment Mode Collections Collect-ON: This application helps getting real time collection NACH:Activation of NACH in less than 48 hrs. with high level of accuracy and least manual interference. receipt by p
Slide 22: Collection Escalation Protocol To Strengthening Procedures
Collection Escalation Protocol To Strengthening Procedures Relationship Collection Collection SMS Collection Calls Branch Manager Credit Manager Collection Head Executive Executive Manager 0 - 30 Days 31 – 60 Days 61 – 90 Days 91 – 150 Days > 150 Days Maintaining Vigilance Strategizing Debt Recovery
Slide 23: Structured Legal Procedures For Debt Default Management & Asset Possession
Structured Legal Procedures For Debt Default Management & Asset Possession Notice 1 • Defaulter Notice 30-60 Days • As s et Verification Notice 60-90 Days • Pre-Repo Auto Mode > 90 Days Arbitration 2 • Iss ue a notice U/s 21 of Arbitration Act • Receiver order takes in sec 17 through arbitrator in a
Slide 24: Key Operational Efficiency Indicators
Key Operational Efficiency Indicators Note: Q1 FY26 onwards NPA at 90 DPD (In % ) Net NPA 90 (In % ) Gross NPA 0.81 0.64 2.9 2.6 2.73 3.31 0.36 0.29 FY23 FY24 FY25 Q1 FY26 FY23 FY24 FY25 Q1 FY26 Fresh Disbursement (In ₹ Cr) Collection Efficiency (In % ) 184 96.11 180 113.3 95.5 95.2 94.24 52.88 FY23
Slide 25: Management Overview
Management Overview
Slide 26: Core Management Team
Core Management Team Mr. Panna Lal Baid Aman Baid Chairman and Managing Director Whole Time Director Mr. Panna Lal Baid, the founder of Baid Finserv Limited is a first-generation Mr. Aman Baid, a post-graduate in FMB from SP Jain School of Global entrepreneur with over 53 years of experience across
Slide 27: Core Management Team
Core Management Team Mr.Aditya Baid Mr.Abhishek Rathore Mrs. Surbhi Rawat CFO and Product Head Business Head Company Secretary and (M sm e Loans and Property Loan s) Compliance Officer Mr. Aditya Baid, a seasoned third-generation Mr. Abhishek Rathore, a Banking and Finance Ms. Surbhi Rawat, a qualif
Slide 28: Industry Overview
Industry Overview
Slide 29: Rise Of NBFCs: Transforming Retail Finance Landscape
Rise Of NBFCs: Transforming Retail Finance Landscape NBFCs expect 13–14% credit growth in FY25, Lending businesses are prospering without needing large physical setups. Projections suggest NBFCs credit will grow at a rate of 13–15% from FY26 to27. Non-banking financial companies (NBFCs) are rapidl
Slide 30: Navigating Growth Trajectories: Insights Into NBFC AUM Expansion
Navigating Growth Trajectories: Insights Into NBFC AUM Expansion NBFCs Retail Credit Is Expected To Increase At (In Tn) Vehicle finance anticipated to sustain 13.14% growth, supported by 13–15% CAGR In Next 3 Years solid underlying-asset sales. 23 18 16 • Assets under management (AUM) of non-banking
Slide 31: Financial Overview
Financial Overview
Slide 32: Total Income, EBITDA, PAT
Total Income (In ₹ Cr) EBITDA (In ₹ Cr) PAT (In ₹ Cr) 82.55 13.45 48.21 12.92 66.36 41.64 10.38 55.73 31.99 23.91 4.02 13.6 FY23 FY24 FY25 Q1 FY26 FY23 FY24 FY25 Q1 FY26 FY23 FY24 FY25 Q1 FY26 Total Income EBITDA PAT Investor Presentation
Slide 33: Profit & Loss Statement
Profit & Loss Statement In ₹ Cr Particulars FY23 FY24 FY25 Q1 FY26 Revenues 54.85 65.92 81.98 23.78 Other Income 0.88 0.44 0.56 0.13 Total Income 55.73 66.36 82.54 23.91 Raw Material Expenses 1.54 4.50 12.15 4.27 Employee Costs 5.47 6.81 9.48 2.38 Other Expenses 16.73 13.41 12.70 3.66 Total Expendit
Slide 34: Balance Sheet
Balance Sheet In ₹ Cr Equities & Liabilities FY23 FY24 FY25 Q1FY26 Assets FY23 FY24 FY25 Q1 FY26 Equity 24.02 24.01 24.01 24.01 Non- Financial Assets Reserves 130.99 142.77 155.02 163.57 Fixed Assets 1.26 4.04 5.07 4.89 Net Worth 155.01 166.78 179.03 187.58 Inventories 0.04 0.45 1.04 0.21 Financial
Slide 35: Cash Flow Statement
Cash Flow S tatement In ₹ Cr Particulars FY23 FY24 FY25 Cashflow from Operations 5.53 -21.77 1.92 Cashflow from Investments 2.81 -1.59 -6.15 Cashflow from Financing -7.93 46.94 -17.03 Net Cash flow 0.42 23.58 -21.26 Opening Cash & Cash Equivalent 8.58 8.99 32.57 Closing Cash & Cash Equivalent 8.99 3
Slide 36: Key Ratios
Key Ratios ROE (In % ) ROCE (In % ) 7.75 7.78 11.10 10.19 6.7 9.82 FY23 FY24 FY25 FY23 FY24 FY25 ROA (In % ) NIM (In % ) 3.15 3.14 7.68 6.09 6.48 3.06 FY23 FY24 FY25 FY23 FY24 FY25 Inves tor Pres entation 36
Slide 37: Key Ratios
Key Ratios AUM/Net-Worth In Times AUM/Secured Borrowing In Times 1.8 2.3 2.21 1.6 2 1.56 FY23 FY24 FY25 FY23 FY24 FY25 Total Outside Liabilities & Total Net worth In Times Total Outside Liabilities / Total Net worth In Times 285 242 1.59 186 1.5 167 179 155 1.2 FY23 FY24 FY25 NW TOL FY23 FY24 FY25 I
Slide 38: Portfolio Segmentation by Products
Portfolio Segmentation by Products FY23 (In % ) FY24 (In % ) FY25 Q1 FY26 7.30 2.83 19.50 32.74 31.87 65.3 80.50 67.26 92.70 Hosing/LAP Vehicle Business Loan (In ₹ Cr) FY23 FY24 FY25 Q1 FY26 Housing/LAP 278.94 293.85 266.53 268.02 Vehicle 21.92 71.87 129.73 130.79 Business Loan - - - 11.61 Total 300
Slide 39: Stock Data
Stock Data BSE: 511724 NSE: BAIDFIN | ISIN: INE020D01022 As on 30.06.2025 Share Holding Pattern As on 30-06-2025 Share Price (₹) 11.51 Market Capitalization (₹ Cr) 132 36.25 Promoter & Promoter Group No. of Shares Outstanding 12,00,68,300 Non-Ins titutional Inves tor 63.75 Face Value (₹) 2.00 52-wee
Slide 40: Growth Strategy
Growth Strategy
Slide 41: Future Growth Drivers: Unlocking Potential for Success
Future Growth Drivers: Unlocking Potential for Success • The business in Madhya Pradesh and Gujarat are thriving, with operations and growth progressing rapidly. Disbursements are increasing at a steady rate of 15% on a month-to-month basis. • Company will open new branches in Maharashtra by Q2 this
Slide 42: SWOT Analysis
S WOT Analysis Strengths Weakness Company's promoters, comprising both young, Growing competition from finance companies and banks. dynamic individuals and experienced, visionary Continual inflationary trends. leaders, have es tablished a robus t pres ence in the Increasing cos ts of obtaining funds
Slide 43: Thank You
Thank You Baid Finserv Limited “Baid House”,IIND Floor,1,Tara Nagar,Ajmer Road,Jaipur- 302006 (Rajas than) India E-mail: info@baidfinserv.com Phone: 91 9116133220 Website: www.baidfins erv.com