About Dhanvarsha
Dhanvarsha is a publicly listed company based in Mumbai (India) founded in 2014. Financial lending services for MSMEs and individuals in India. It operates on a B2B and B2C model. The company has 672 employees. Its Indian entity Trucap Finance Limited reported revenue of ₹85.64 Cr. Dhanvarsha offers products and services including Business Loan and Gold Loan. Its focus areas include Consumer Lending, Secured Loans, Gold and Business Loans and Non-Banking Financial Companies.
Company details
TruCap Finance Limited is recognized as an RBI-registered NBFC that specializes in MSME lending, with loans against property, gold, and other assets being facilitated across India. A network of over 128 branches is maintained to provide affordable credit solutions, while technology-driven processes are utilized to ensure efficient loan disbursements. The companys efforts are directed towards supporting business growth and building social capital, as evidenced by its partnerships and customer base exceeding 96,700 individuals.
- Headquarters Mumbai, India
- Employees 672
- Stage Public
- SectorsFinancial Services
- Email••••••••
- Phone•••• ••••
- Website dhanvarsha.co
- Social LinkedIn Facebook Instagram YouTube
- Legal Name Trucap Finance Limited
- Date of Incorporation 09 Nov, 1994
- Jurisdiction Mumbai, Maharashtra, India
- Market Cap₹46.71 Cr
TRU · NSE
- Share Price₹3.89
-0.26% today
- Revenue₹82.54 Cr
FY 2025-26 · -58.0% YoY
- EBITDA−₹72.82 Cr
Margin -88.2%
- Net Profit−₹108 Cr
FY 2025-26 · -82.2% YoY
- Debt / Equity4.00
Interest cover -92.8x
- Employee Count672
Associated legal entities of Dhanvarsha
Dhanvarsha operates through Trucap Finance Limited, a listed company (active). Its filings, financials, charges and directors are on the company page.
| Legal entity | Status | Incorporated | Registered in | Revenue (FY 2026) | Employees | Directors | Company page |
|---|---|---|---|---|---|---|---|
| Trucap Finance Limited Listed CIN L64920MH1994PLC334457 | Active | 09 Nov 1994 | Mumbai, Maharashtra | ₹85.6 Cr | 672 | 9 | View details |
Products & Services of Dhanvarsha
Dhanvarsha offers a comprehensive portfolio of products and services, including Business Loan and Gold Loan.
Loans are provided to MSMEs for business growth and operations
Loans are extended against gold ornaments for personal or business needs
Apps and channels of Dhanvarsha
its YouTube channel Dhanvarsha has 254 subscribers and 20 videos.
Videos from Dhanvarsha
The most watched videos on Dhanvarsha's YouTube channel, Dhanvarsha (254 subscribers). Click a video to play it here.
More on Dhanvarsha .
Board of directors of Trucap Finance Limited (Dhanvarsha)
Trucap Finance Limited is the primary company behind Dhanvarsha. The board of Trucap Finance Limited currently have 7 directors; the longest-serving is Nirmal Vinod Momaya, appointed in 2018. 28 earlier directors have ceased.
| Director | Designation | Appointed | Tenure | Entity |
|---|---|---|---|---|
| Nirmal Vinod Momaya DIN 01641934 | Director | 10 Aug 2018 | 8 yrs 2 mo | Trucap Finance Limited |
| Krishipal Tarachand Raghuvanshi DIN 07529826 | Director | 24 Aug 2018 | 8 yrs 2 mo | Trucap Finance Limited |
| Rohanjeet Singh Juneja DIN 08342094 | Managing Director | 17 Dec 2019 | 6 yrs 10 mo | Trucap Finance Limited |
| Rajiv Kapoor DIN 08204049 | Director | 03 Feb 2020 | 6 yrs 8 mo | Trucap Finance Limited |
| Porter Atwood Collins DIN 09239511 | Director | 31 Jul 2021 | 5 yrs 3 mo | Trucap Finance Limited |
| Abha Kapoor DIN 01277168 | Director | 30 Mar 2022 | 4 yrs 7 mo | Trucap Finance Limited |
| Rushina Nimir Mehta DIN 01042204 | Director | 17 Jun 2022 | 4 yrs 4 mo | Trucap Finance Limited |
IPO & Listings of Dhanvarsha
Dhanvarsha is a publicly listed company on the NSE with ticker symbol TRU in India, operating in the Finance sector. As a publicly traded entity, the company provides investors with opportunities to participate in its growth story through equity ownership. The listing enables access to capital markets, enhances corporate visibility, and provides liquidity for shareholders while maintaining transparency through regulatory compliance and regular financial disclosures.
- IPO date13 May 2022
- Listed onNSE: DHANVARSHA
- Listed entityTrucap Finance Limited
- Exchange sectorFinance
Financials of Dhanvarsha
Exchange-reported figures of Trucap Finance Limited, the listed company behind Dhanvarsha (NSE: TRU).
Financial Highlights
FY 2025-26 · ConsolidatedRevenue vs Net Profit ₹ Cr
Margin trends
Financial summary ₹ Cr
| Metrics | FY 2025-26 | FY 2024-25 | FY 2023-24 | FY 2022-23 | FY 2021-22 | FY 2020-21 | FY 2019-20 |
|---|---|---|---|---|---|---|---|
| Income statement | |||||||
| Revenue | 82.54 | 197 | 162 | 123 | 75.74 | 29.61 | 19.11 |
| Revenue growth | -58.0% | +21.5% | +31.5% | +62.6% | +155.8% | +55.0% | - |
| EBITDA | (72.82) | 52.38 | 78.42 | 60.33 | 36.05 | 7.83 | 7.53 |
| EBITDA margin | -88.2% | +26.6% | +48.4% | +49.0% | +47.6% | +26.4% | +39.4% |
| Profit before tax | (152) | (71.16) | 11.42 | 2.49 | 7.18 | 2.78 | 5.54 |
| Net profit | (108) | (59.25) | 10.96 | 0.65 | 3.98 | 1.30 | 4.03 |
| Net profit margin | -130.8% | -30.1% | +6.8% | +0.5% | +5.3% | +4.4% | +21.1% |
| EPS (₹) | (9.48) | (5.07) | 0.94 | 0.05 | 0.45 | 0.17 | 3.01 |
| Balance sheet | |||||||
| Total assets | 382 | 683 | 898 | 659 | 459 | 180 | 46.76 |
| Net worth | 51.00 | 162 | 212 | 216 | 172 | 99.91 | 31.16 |
| Total debt | 331 | 520 | 686 | 443 | 286 | 80.53 | 15.61 |
| Cash & bank | 18.41 | 100 | 133 | 87.75 | 78.80 | 47.53 | 3.49 |
| Net working capital | 42.04 | 152 | 220 | 139 | 96.87 | 53.10 | 7.04 |
| Cash flow | |||||||
| Cash from operations | 130 | 212 | (212) | (151) | (185) | (80.37) | 13.15 |
| Cash from investing | 55.49 | (27.90) | 30.45 | (65.77) | (73.10) | (34.44) | (3.71) |
| Cash from financing | (216) | (246) | 245 | 197 | 284 | 145 | (11.34) |
| Particulars | Sep 2026 | Jun 2026 | Mar 2026 | Dec 2025 | Sep 2025 | Jun 2025 | Mar 2025 | Dec 2024 |
|---|---|---|---|---|---|---|---|---|
| Revenue | 12.26 | 11.27 | 14.55 | 15.10 | 22.81 | 30.08 | 35.37 | 51.57 |
| Revenue growth (YoY) | -46.3% | -62.5% | -58.9% | -70.7% | -60.4% | -42.3% | - | - |
| Other income | 0.83 | 0.95 | 0.67 | 0.71 | 1.81 | 11.97 | 0.73 | 1.08 |
| EBITDA | (3.11) | (8.91) | (4.55) | (37.10) | (24.93) | (6.24) | (35.51) | 26.72 |
| EBITDA margin | -25.4% | -79.1% | -31.3% | -245.7% | -109.3% | -20.7% | -100.4% | +51.8% |
| Depreciation | 1.62 | 1.61 | 1.77 | 1.94 | 2.05 | 2.02 | 20.87 | 2.27 |
| Interest | 9.55 | 4.46 | 20.72 | 14.17 | 20.43 | 19.51 | 20.75 | 24.76 |
| Profit before tax | (13.45) | (14.03) | (26.37) | (52.50) | (45.60) | (15.80) | (76.40) | 0.77 |
| Tax | (1.89) | (3.46) | (7.19) | (10.05) | (12.70) | (6.70) | (8.67) | (0.19) |
| Net profit | (11.56) | (10.57) | (19.18) | (42.45) | (32.90) | (9.10) | (67.73) | 0.96 |
| EPS (₹) | (0.96) | (0.89) | (2.35) | (3.54) | (2.81) | (0.78) | (5.34) | 0.08 |
| Metrics | FY 2025-26 | FY 2024-25 | FY 2023-24 | FY 2022-23 | FY 2021-22 | FY 2020-21 | FY 2019-20 |
|---|---|---|---|---|---|---|---|
| Income statement | |||||||
| Revenue | 82.41 | 196 | 161 | 124 | 69.82 | 23.95 | 19.10 |
| Revenue growth | -58.0% | +22.0% | +30.0% | +77.5% | +191.5% | +25.4% | - |
| EBITDA | (73.38) | 31.43 | 78.24 | 63.94 | 38.88 | 6.69 | 7.55 |
| EBITDA margin | -89.0% | +16.0% | +48.6% | +51.6% | +55.7% | +27.9% | +39.5% |
| Profit before tax | (152) | (78.51) | 12.20 | 7.23 | 10.69 | 1.73 | 5.56 |
| Net profit | (110) | (66.61) | 11.72 | 5.54 | 7.39 | 0.68 | 4.05 |
| Net profit margin | -134.0% | -33.9% | +7.3% | +4.5% | +10.6% | +2.8% | +21.2% |
| EPS (₹) | (9.29) | (5.70) | 1.00 | 0.48 | 0.83 | 0.09 | 3.03 |
| Balance sheet | |||||||
| Total assets | 388 | 683 | 905 | 665 | 460 | 180 | 46.80 |
| Net worth | 53.28 | 162 | 219 | 223 | 174 | 99.36 | 31.19 |
| Total debt | 335 | 520 | 686 | 443 | 286 | 80.53 | 15.61 |
| Cash & bank | 18.26 | 96.08 | 133 | 87.59 | 77.83 | 46.73 | 3.47 |
| Net working capital | 40.53 | 146 | 214 | 134 | 90.92 | 49.10 | 7.03 |
| Cash flow | |||||||
| Cash from operations | 127 | 208 | (212) | (149) | (181) | (77.91) | 13.17 |
| Cash from investing | 52.34 | (24.99) | 30.45 | (68.94) | (76.13) | (37.69) | (3.75) |
| Cash from financing | (209) | (246) | 245 | 198 | 283 | 145 | (11.34) |
| Particulars | Sep 2026 | Jun 2026 | Mar 2026 | Dec 2025 | Sep 2025 | Jun 2025 | Mar 2025 | Dec 2024 |
|---|---|---|---|---|---|---|---|---|
| Revenue | 12.26 | 11.27 | 14.50 | 15.10 | 22.79 | 30.02 | 35.32 | 51.55 |
| Revenue growth (YoY) | -46.2% | -62.5% | -59.0% | -70.7% | -60.4% | -42.3% | - | - |
| Other income | 0.75 | 0.92 | 0.65 | 0.71 | 1.81 | 11.97 | 0.72 | 1.08 |
| Total expenses | 11.64 | 20.04 | 19.93 | 52.07 | 47.56 | 36.23 | 91.85 | 24.76 |
| EBITDA | 0.62 | (8.77) | (5.43) | (36.97) | (24.77) | (6.21) | (56.53) | 26.79 |
| EBITDA margin | +5.1% | -77.8% | -37.4% | -244.8% | -108.7% | -20.7% | -160.1% | +52.0% |
| Depreciation | 1.44 | 1.43 | 1.55 | 1.73 | 1.84 | 1.81 | 7.90 | 2.06 |
| Interest | 9.44 | 4.57 | 20.77 | 14.28 | 20.49 | 19.51 | 20.75 | 24.76 |
| Profit before tax | (9.51) | (13.85) | (27.10) | (52.27) | (45.29) | (15.56) | (84.46) | 1.05 |
| Tax | (0.79) | (3.46) | (9.39) | (10.05) | (12.70) | (6.70) | (14.03) | (0.17) |
Financial Statements
| Particulars | Sep 2026 | Jun 2026 | Mar 2026 | Dec 2025 | Sep 2025 | Jun 2025 | Mar 2025 | Dec 2024 |
|---|---|---|---|---|---|---|---|---|
| Revenue | 12.26 | 11.27 | 14.55 | 15.10 | 22.81 | 30.08 | 35.37 | 51.57 |
| Revenue growth (YoY) | -46.3% | -62.5% | -58.9% | -70.7% | -60.4% | -42.3% | - | - |
| Other income | 0.83 | 0.95 | 0.67 | 0.71 | 1.81 | 11.97 | 0.73 | 1.08 |
| EBITDA | (3.11) | (8.91) | (4.55) | (37.10) | (24.93) | (6.24) | (35.51) | 26.72 |
| EBITDA margin | -25.4% | -79.1% | -31.3% | -245.7% | -109.3% | -20.7% | -100.4% | +51.8% |
| Depreciation | 1.62 | 1.61 | 1.77 | 1.94 | 2.05 | 2.02 | 20.87 | 2.27 |
| Interest | 9.55 | 4.46 | 20.72 | 14.17 | 20.43 | 19.51 | 20.75 | 24.76 |
| Profit before tax | (13.45) | (14.03) | (26.37) | (52.50) | (45.60) | (15.80) | (76.40) | 0.77 |
| Tax | (1.89) | (3.46) | (7.19) | (10.05) | (12.70) | (6.70) | (8.67) | (0.19) |
| Net profit | (11.56) | (10.57) | (19.18) | (42.45) | (32.90) | (9.10) | (67.73) | 0.96 |
| EPS (₹) | (0.96) | (0.89) | (2.35) | (3.54) | (2.81) | (0.78) | (5.34) | 0.08 |
| Particulars | FY 2025-26 | FY 2024-25 | FY 2023-24 | FY 2022-23 | FY 2021-22 | FY 2020-21 | FY 2019-20 |
|---|---|---|---|---|---|---|---|
| Revenue | 82.54 | 197 | 162 | 123 | 75.74 | 29.61 | 19.11 |
| Revenue growth | -58.0% | +21.5% | +31.5% | +62.6% | +155.8% | +55.0% | - |
| Other income | 3.10 | 2.84 | 20.95 | 0.66 | 0.24 | 0.45 | 0.19 |
| Total expenses | 155 | 144 | 83.47 | 62.82 | 39.69 | 21.78 | 11.58 |
| Employee cost | 29.65 | 47.73 | 42.86 | 28.95 | 18.54 | 13.15 | 7.02 |
| EBITDA | (72.82) | 52.38 | 78.42 | 60.33 | 36.05 | 7.83 | 7.53 |
| EBITDA margin | -88.2% | +26.6% | +48.4% | +49.0% | +47.6% | +26.4% | +39.4% |
| Depreciation | 7.78 | 27.69 | 9.26 | 7.71 | 4.75 | 1.27 | 0.49 |
| Interest | 74.84 | 98.69 | 78.69 | 50.79 | 24.36 | 4.23 | 1.69 |
| Profit before tax | (152) | (71.16) | 11.42 | 2.49 | 7.18 | 2.78 | 5.54 |
| Tax | (39.68) | (11.91) | 0.46 | 1.84 | 3.20 | 1.48 | 1.48 |
| Net profit | (108) | (59.25) | 10.96 | 0.65 | 3.98 | 1.30 | 4.03 |
| Net profit margin | -130.8% | -30.1% | +6.8% | +0.5% | +5.3% | +4.4% | +21.1% |
| EPS (₹) | (9.48) | (5.07) | 0.94 | 0.05 | 0.45 | 0.17 | 3.01 |
| Particulars | FY 2025-26 | FY 2024-25 | FY 2023-24 | FY 2022-23 | FY 2021-22 | FY 2020-21 | FY 2019-20 |
|---|---|---|---|---|---|---|---|
| Equity & liabilities | |||||||
| Share capital | 23.77 | 23.38 | 23.38 | 23.24 | 17.77 | 15.29 | 13.51 |
| Reserves & surplus | 27.23 | 127 | 176 | 184 | 150 | 79.59 | 16.40 |
| Shareholders' funds (net worth) | 51.00 | 162 | 212 | 216 | 172 | 99.91 | 31.16 |
| Minority interest | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Secured loans | 331 | 520 | 686 | 441 | 283 | 78.80 | 3.91 |
| Unsecured loans | 0.00 | 0.03 | 0.41 | 1.29 | 3.04 | 1.73 | 11.70 |
| Total debt | 331 | 520 | 686 | 443 | 286 | 80.53 | 15.61 |
| Total liabilities | 382 | 683 | 898 | 659 | 459 | 180 | 46.76 |
| Assets | |||||||
| Gross block | 45.79 | 54.48 | 54.16 | 38.54 | 29.21 | 13.23 | 3.97 |
| Net block | 8.77 | 21.85 | 30.55 | 24.19 | 22.57 | 11.34 | 3.33 |
| Capital work in progress | 4.27 | 4.27 | 23.06 | 28.93 | 24.27 | 4.09 | 0.37 |
| Investments | 26.84 | 31.23 | 28.08 | 48.61 | 25.89 | 11.03 | 1.28 |
| Inventories | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Sundry debtors | 15.40 | 41.89 | 74.37 | 39.00 | 16.00 | 5.97 | 1.18 |
| Cash & bank balances | 18.41 | 100 | 133 | 87.75 | 78.80 | 47.53 | 3.49 |
| Loans & advances | 17.47 | 26.38 | 34.99 | 24.76 | 15.19 | 5.64 | 4.09 |
| Total current assets | 51.28 | 168 | 243 | 152 | 110 | 59.14 | 8.76 |
| Total current liabilities | 9.24 | 16.62 | 22.98 | 12.65 | 13.12 | 6.04 | 1.72 |
| Net working capital | 42.04 | 152 | 220 | 139 | 96.87 | 53.10 | 7.04 |
| Total assets | 382 | 683 | 898 | 659 | 459 | 180 | 46.76 |
| Particulars | FY 2025-26 | FY 2024-25 | FY 2023-24 | FY 2022-23 | FY 2021-22 | FY 2020-21 | FY 2019-20 |
|---|---|---|---|---|---|---|---|
| Opening cash | 39.02 | 101 | 38.01 | 58.56 | 32.23 | 1.71 | 3.62 |
| Net cash from operating activities | 130 | 212 | (212) | (151) | (185) | (80.37) | 13.15 |
| Net cash from investing activities | 55.49 | (27.90) | 30.45 | (65.77) | (73.10) | (34.44) | (3.71) |
| Net cash from financing activities | (216) | (246) | 245 | 197 | 284 | 145 | (11.34) |
| Net change in cash | (30.67) | (62.33) | 63.34 | (20.55) | 26.33 | 30.52 | (1.91) |
| Closing cash | 18.41 | 100 | 133 | 87.75 | 78.80 | 47.53 | 3.49 |
| Particulars | FY 2025-26 | FY 2024-25 | FY 2023-24 | FY 2022-23 | FY 2021-22 | FY 2020-21 | FY 2019-20 |
|---|---|---|---|---|---|---|---|
| Growth | |||||||
| Sales growth | -58.0% | +21.5% | +31.5% | +62.6% | +155.8% | +55.0% | - |
| EBITDA growth | -239.0% | -33.2% | +30.0% | +67.4% | +360.4% | +4.0% | - |
| PBT growth | -114.1% | - | +358.6% | -65.3% | +158.3% | -49.8% | +128.9% |
| Net income growth | -82.2% | -640.6% | +1586.2% | -83.7% | +206.2% | -67.7% | - |
| Revenue CAGR (3Y) | -12.5% | +37.5% | +76.2% | +86.1% | +58.5% | - | - |
| EBITDA CAGR (3Y) | - | +13.3% | +115.6% | +100.1% | +68.7% | - | - |
| Profitability & leverage | |||||||
| Net income margin | -136.5% | -30.1% | +6.8% | +0.5% | +5.3% | +4.4% | +21.3% |
| Return on capital employed | 0.0% | 0.0% | +11.6% | +9.5% | +9.9% | +6.2% | +14.6% |
| Return on net worth | 0.0% | 0.0% | +5.1% | +0.3% | +2.9% | +2.0% | +14.1% |
| Debt / equity | 4.00 | 3.23 | 2.64 | 1.88 | 1.35 | 0.73 | 0.71 |
| Long-term debt / equity | 4.00 | 3.19 | 2.56 | 1.83 | 1.34 | 0.63 | 0.09 |
| Interest cover | -92.85 | 399.72 | 113.78 | 96.52 | 77.83 | 64.48 | 24.01 |
| Efficiency & per share | |||||||
| Fixed asset turnover | 1.71 | 3.67 | 3.94 | 3.65 | 3.58 | 3.50 | 7.89 |
| Inventory turnover | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Debtors turnover | 2.99 | 3.43 | 3.23 | 4.50 | 6.92 | 8.41 | 32.44 |
| EPS (₹) | (9.48) | (5.07) | 0.94 | 0.05 | 0.45 | 0.17 | 3.01 |
| Dividend per share (₹) | 0.00 | 0.00 | 0.01 | 0.01 | 0.01 | 0.05 | 0.10 |
| Book value per share (₹) | 4.29 | 12.84 | 17.10 | 17.81 | 18.86 | 12.41 | 22.14 |
| Particulars | Sep 2026 | Jun 2026 | Mar 2026 | Dec 2025 | Sep 2025 | Jun 2025 | Mar 2025 | Dec 2024 |
|---|---|---|---|---|---|---|---|---|
| Revenue | 12.26 | 11.27 | 14.50 | 15.10 | 22.79 | 30.02 | 35.32 | 51.55 |
| Revenue growth (YoY) | -46.2% | -62.5% | -59.0% | -70.7% | -60.4% | -42.3% | - | - |
| Other income | 0.75 | 0.92 | 0.65 | 0.71 | 1.81 | 11.97 | 0.72 | 1.08 |
| Total expenses | 11.64 | 20.04 | 19.93 | 52.07 | 47.56 | 36.23 | 91.85 | 24.76 |
| EBITDA | 0.62 | (8.77) | (5.43) | (36.97) | (24.77) | (6.21) | (56.53) | 26.79 |
| EBITDA margin | +5.1% | -77.8% | -37.4% | -244.8% | -108.7% | -20.7% | -160.1% | +52.0% |
| Depreciation | 1.44 | 1.43 | 1.55 | 1.73 | 1.84 | 1.81 | 7.90 | 2.06 |
| Interest | 9.44 | 4.57 | 20.77 | 14.28 | 20.49 | 19.51 | 20.75 | 24.76 |
| Profit before tax | (9.51) | (13.85) | (27.10) | (52.27) | (45.29) | (15.56) | (84.46) | 1.05 |
| Tax | (0.79) | (3.46) | (9.39) | (10.05) | (12.70) | (6.70) | (14.03) | (0.17) |
| Particulars | FY 2025-26 | FY 2024-25 | FY 2023-24 | FY 2022-23 | FY 2021-22 | FY 2020-21 | FY 2019-20 |
|---|---|---|---|---|---|---|---|
| Revenue | 82.41 | 196 | 161 | 124 | 69.82 | 23.95 | 19.10 |
| Revenue growth | -58.0% | +22.0% | +30.0% | +77.5% | +191.5% | +25.4% | - |
| Other income | 3.07 | 2.84 | 20.95 | 0.04 | 0.24 | 0.47 | 0.19 |
| Total expenses | 156 | 165 | 82.82 | 59.98 | 30.94 | 17.26 | 11.55 |
| Employee cost | 0.00 | 47.59 | 42.59 | 27.41 | 13.92 | 9.87 | 7.02 |
| EBITDA | (73.38) | 31.43 | 78.24 | 63.94 | 38.88 | 6.69 | 7.55 |
| EBITDA margin | -89.0% | +16.0% | +48.6% | +51.6% | +55.7% | +27.9% | +39.5% |
| Depreciation | 6.93 | 14.09 | 8.30 | 5.96 | 4.08 | 1.20 | 0.49 |
| Interest | 75.06 | 98.69 | 78.69 | 50.79 | 24.35 | 4.23 | 1.69 |
| Profit before tax | (152) | (78.51) | 12.20 | 7.23 | 10.69 | 1.73 | 5.56 |
| Tax | (41.88) | (11.90) | 0.48 | 1.69 | 3.30 | 1.05 | 1.48 |
| Net profit | (110) | (66.61) | 11.72 | 5.54 | 7.39 | 0.68 | 4.05 |
| Net profit margin | -134.0% | -33.9% | +7.3% | +4.5% | +10.6% | +2.8% | +21.2% |
| EPS (₹) | (9.29) | (5.70) | 1.00 | 0.48 | 0.83 | 0.09 | 3.03 |
| Particulars | FY 2025-26 | FY 2024-25 | FY 2023-24 | FY 2022-23 | FY 2021-22 | FY 2020-21 | FY 2019-20 |
|---|---|---|---|---|---|---|---|
| Equity & liabilities | |||||||
| Share capital | 23.77 | 23.38 | 23.38 | 23.24 | 17.77 | 15.29 | 13.51 |
| Reserves & surplus | 29.51 | 127 | 184 | 190 | 152 | 79.04 | 16.43 |
| Shareholders' funds (net worth) | 53.28 | 162 | 219 | 223 | 174 | 99.36 | 31.19 |
| Secured loans | 335 | 520 | 686 | 441 | 283 | 74.87 | 3.91 |
| Unsecured loans | 0.00 | 0.03 | 0.41 | 1.29 | 3.04 | 5.66 | 11.70 |
| Total debt | 335 | 520 | 686 | 443 | 286 | 80.53 | 15.61 |
| Total liabilities | 388 | 683 | 905 | 665 | 460 | 180 | 46.80 |
| Assets | |||||||
| Gross block | 40.06 | 48.75 | 48.42 | 32.81 | 23.46 | 12.26 | 3.96 |
| Net block | 8.21 | 20.45 | 28.31 | 21.00 | 17.61 | 10.49 | 3.32 |
| Capital work in progress | 0.26 | 0.26 | 6.28 | 12.12 | 11.21 | 1.25 | 0.37 |
| Investments | 36.73 | 42.03 | 59.98 | 80.51 | 50.89 | 18.19 | 1.33 |
| Inventories | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Sundry debtors | 15.39 | 41.89 | 70.27 | 35.54 | 12.29 | 2.10 | 1.18 |
| Cash & bank balances | 18.26 | 96.08 | 133 | 87.59 | 77.83 | 46.73 | 3.47 |
| Loans & advances | 16.02 | 24.96 | 33.59 | 22.91 | 12.57 | 4.95 | 4.08 |
| Total current assets | 49.67 | 163 | 237 | 146 | 103 | 53.78 | 8.73 |
| Total current liabilities | 9.14 | 16.58 | 22.93 | 12.44 | 11.77 | 4.68 | 1.70 |
| Net working capital | 40.53 | 146 | 214 | 134 | 90.92 | 49.10 | 7.03 |
| Total assets | 388 | 683 | 905 | 665 | 460 | 180 | 46.80 |
| Particulars | FY 2025-26 | FY 2024-25 | FY 2023-24 | FY 2022-23 | FY 2021-22 | FY 2020-21 | FY 2019-20 |
|---|---|---|---|---|---|---|---|
| Opening cash | 38.06 | 101 | 37.86 | 57.59 | 31.43 | 1.70 | 3.62 |
| Net cash from operating activities | 127 | 208 | (212) | (149) | (181) | (77.91) | 13.17 |
| Net cash from investing activities | 52.34 | (24.99) | 30.45 | (68.94) | (76.13) | (37.69) | (3.75) |
| Net cash from financing activities | (209) | (246) | 245 | 198 | 283 | 145 | (11.34) |
| Net change in cash | (29.87) | (63.25) | 63.46 | (19.73) | 26.16 | 29.73 | (1.93) |
| Closing cash | 18.26 | 96.08 | 133 | 87.59 | 77.83 | 46.73 | 3.47 |
| Particulars | FY 2025-26 | FY 2024-25 | FY 2023-24 | FY 2022-23 | FY 2021-22 | FY 2020-21 | FY 2019-20 |
|---|---|---|---|---|---|---|---|
| Growth | |||||||
| Sales growth | -58.0% | +22.0% | +30.0% | +77.5% | +191.5% | +25.4% | - |
| EBITDA growth | -333.5% | -59.8% | +22.4% | +64.5% | +481.2% | -11.4% | - |
| PBT growth | -94.0% | - | +68.7% | -32.4% | +517.9% | -68.9% | +129.8% |
| Net income growth | -65.8% | -668.3% | +111.6% | -25.0% | +986.8% | -83.2% | - |
| Revenue CAGR (3Y) | -12.7% | +41.2% | +88.8% | +86.5% | +54.2% | +27.4% | +148.2% |
| EBITDA CAGR (3Y) | - | -6.9% | +127.0% | +103.8% | +73.0% | +1.7% | +473.6% |
| Profitability & leverage | |||||||
| Net income margin | -134.0% | -33.9% | +7.3% | +4.5% | +10.6% | +2.8% | +21.4% |
| Return on capital employed | 0.0% | 0.0% | +11.6% | +10.3% | +10.9% | +5.3% | +14.7% |
| Return on net worth | 0.0% | 0.0% | +5.3% | +2.8% | +5.4% | +1.0% | +14.2% |
| Debt / equity | 3.97 | 3.16 | 2.55 | 1.84 | 1.34 | 0.74 | 0.71 |
| Long-term debt / equity | 3.97 | 3.13 | 2.48 | 1.79 | 1.33 | 0.63 | 0.09 |
| Interest cover | -93.45 | 569.15 | 112.51 | 87.60 | 69.97 | 77.05 | 23.94 |
| Efficiency & per share | |||||||
| Fixed asset turnover | 1.93 | 4.10 | 4.48 | 4.41 | 3.92 | 3.01 | 7.91 |
| Inventory turnover | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Debtors turnover | 2.98 | 3.55 | 3.44 | 5.18 | 9.74 | 14.89 | 32.42 |
| EPS (₹) | (9.29) | (5.70) | 1.00 | 0.48 | 0.83 | 0.09 | 3.03 |
| Dividend per share (₹) | 0.00 | 0.00 | 0.01 | 0.01 | 0.01 | 0.05 | 0.10 |
| Book value per share (₹) | 4.48 | 12.84 | 17.73 | 18.38 | 19.07 | 12.34 | 22.17 |
Top companies in Consumer and SME Loans
3 companies that operate in the same segment as Dhanvarsha (Consumer and SME Loans) in India, ranked by their profile score on The Company Check.
| Company | Description | Founded | Location | Total funding | Revenue | Employees |
|---|---|---|---|---|---|---|
Consumer and SME loans are provided by Manappuram Finance. | 1992 | Valapad, Kerala, India | USD 39.98 M | USD 1.01 B | 51,650 | |
Affordable home loans are extended to low and middle-income groups. | 2010 | Mumbai, Maharashtra, India | USD 209.7 M | USD 203.79 M | 1,630 | |
Diversified lending services are provided as a non-banking financial institution. | 1994 | Mumbai, Maharashtra, India | USD 1.9 B | 36,520 |
Unlock complete access to The Company Check
Get unrestricted viewing across everything we track — from companies and brands to investors, funding rounds, acquisitions, financials, and more.
- Unlimited viewing on all profiles Companies, investors, financials, funding, acquisitions & directors
- Full access to every database India & global coverage, advanced filters and rich profile details
- Always-on access from your team account Single premium plan for everything you see on the portal
Related news about Dhanvarsha
Complete news archive for Dhanvarsha
Full article history, source details, and older brand coverage require an active premium plan.
- Full article archive
- Source and publication date
- Older coverage
- Brand-specific news history
Verified entity values are shown only after access is granted.
Frequently Asked Questions about Dhanvarsha
Dhanvarsha was founded in 2014.
Dhanvarsha is headquartered in Mumbai, India. It is registered at Mumbai, Maharashtra, India.
Dhanvarsha has 672 employees.
The primary company behind Dhanvarsha, Trucap Finance Limited, reported revenue of ₹85.64 Cr for FY 2026, down 58% year on year.
TruCap Finance Limited is recognized as an RBI-registered NBFC that specializes in MSME lending, with loans against property, gold, and other assets being facilitated across India. A network of over 128 branches is maintained to provide affordable credit solutions, while technology-driven processes are utilized to ensure efficient loan disbursements. The companys efforts are directed towards supporting business growth and building social capital, as evidenced by its partnerships and customer base exceeding 96,700 individuals.
Dhanvarsha offers Business Loan and Gold Loan.
Yes, Dhanvarsha is publicly traded on NSE under the ticker symbol TRU.
Dhanvarsha operates through Trucap Finance Limited.
The legal entities of Dhanvarsha currently have 8 directors, including Nirmal Vinod Momaya, Krishipal Tarachand Raghuvanshi, Rohanjeet Singh Juneja and others.