About Fusion Finance Limited
Data last updated: 14 July 2026
Fusion Finance Limited is a public limited company based in New Delhi, Delhi, India. It specialises in microfinance institutions, a part of the broader financial services sector. Incorporated on 05 September 1994, the company has been in operation for over 32 years.
Registered with ROC Delhi under CIN U74899DL1994PTC061287. Listed on BSE: 543652.
Capital: an authorised share capital of ₹200 Cr and a paid-up capital of ₹131.55 Cr. Formerly known as Amblence Fincap Private Limited. and Fusion Micro Finance Private Limited. It is led by directors including Namrata Kaul and Rajeev Sardana.
Last AGM: 22 July 2025. Financial statements filed for year ended 31 March 2025. Office: H – 1 C Block Community Centre Naraina Vihar, New Delhi, Delhi, India – 110028.
As per NSE-filed standalone financials for FY 2026, the company reported a revenue of ₹1,698.53 Cr, a decline of 26.78% compared to the previous year. The net worth stands at ₹2,455.93 Cr (up 49.45% YoY). Total assets are valued at ₹8,294.8 Cr (up 0.03% YoY).
The company has a workforce of approximately 12,403 employees as per the latest available data.
The company is associated with 2 brands - Fusion Microfinance, Fusion Finance. As per MCA filings, the company has open charges of ₹12,762 Cr and satisfied charges of ₹23,055 Cr on record.
The current compliance status is marked as compliant by the Registrar of Companies. For more details, the company can be reached via its website fusionmicrofinance.com.
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Registered AddressH – 1 C Block Community Centre Naraina Vihar, New Delhi, Delhi, India – 110028
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IndustryFinancial Services, Microfinance Institutions
- Historical Financials and ratios
- Shareholding pattern and group structure
- Charges with holder and property details
- Litigation, compliance and MCA filings
- PDF report delivered after checkout
Name History of Fusion Finance Limited
Fusion Finance Limited has undergone 2 name changes throughout its history. The company was previously known as Amblence Fincap Private Limited., and Fusion Micro Finance Private Limited. The current legal name is Fusion Finance Limited, reflecting the company's evolution and rebranding over time.
| Company Name | Status |
|---|---|
| Fusion Finance Limited | Current |
| Amblence Fincap Private Limited. | Previous |
| Fusion Micro Finance Private Limited | Previous |
CIN History of Fusion Finance Limited
Fusion Finance Limited has 3 previous CINs, indicating changes in the company's corporate structure or registration details. The current CIN is L65100DL1994PLC061287, which is the unique identifier assigned by the Registrar of Companies.
| CIN | Status |
|---|---|
| L65100DL1994PLC061287 | Current |
| U74899DL1994PTC061287 | Previous |
| U65100DL1994PTC061287 | Previous |
| U65100DL1994PLC061287 | Previous |
Associated Brands with Fusion Finance Limited
Fusion Finance Limited operates two associated brands: Fusion Microfinance and Fusion Finance. These brands represent Fusion Finance Limited's diversified market presence and brand portfolio.
| Brand | Description | Website |
|---|---|---|
| Provider of microloans | fusionmicrofinance.com | |
| Provider of microfinance and MSME loans to underserved populations | fusionfin.com |
Competitors & Alternatives of Fusion Finance Limited
Brands and companies operating in the same space as Fusion Finance Limited include Manappuram Finance, L & T Finance Holdings, Bajaj Finserv and 6 more.
| Competitor | Description | Location | Founded |
|---|---|---|---|
Manappuram Finance
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Consumer and SME loans are provided by Manappuram Finance. | Valapad, India, India | 1992 |
L & T Finance Holdings
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Diversified lending services are provided as a non-banking financial institution. | Mumbai, India, India | 1994 |
Bajaj Finserv
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Financial solutions including loans and insurance are offered. | Pune, India, India | 2007 |
Northern Arc Capital
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Household and business loans are provided with risk management support. | Chennai, India, India | 2006 |
IIFL Finance
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Online gold, home, personal, and business loans are provided. | Mumbai, India, India | 1995 |
Mahindra Finance
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Consumer and SME loans are provided by Mahindra Finance. | Mumbai, India, India | 1991 |
Hero Fincorp
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2-wheeler loans and consumer/business financing are provided by Hero Fincorp. | Delhi, India, India | 1991 |
Kinara Capital
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Collateral-free loans are provided to MSMEs for business operations. | Bengaluru, India, India | 2011 |
Dvara KGFS
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Loans for consumers and SMEs are provided alongside financial services. | Chennai, India, India | 2008 |
Business Activity of Fusion Finance Limited
Fusion Finance Limited is engaged in the principal business activity of financial and insurance service, with detailed activities including other financial activities.
| Main Activity Group Code | Description of Main Activity | Business Activity Code | Description of Business Activity | Turnover Percentage |
|---|---|---|---|---|
| K | Financial and insurance Service | K8 | Other financial activities | Locked |
Business activity turnover details for Fusion Finance Limited
Turnover contribution percentages and historical activity changes require an active report plan.
- Turnover contribution
- Historical classifications
- Filing-level activity changes
Verified entity values are shown only after access is granted.
Auditor Details of Fusion Finance Limited
Fusion Finance Limited is audited by B.K. KHARE & COMPANY (ICAI peer reviewed, certificate valid till 2028-03-31) for the financial year 2026, as reported in its NSE exchange filings. The statutory auditor is responsible for expressing an independent opinion on whether the financial statements present a true and fair view in accordance with applicable accounting standards.
| Name | Financial year | Audit opinion |
|---|---|---|
| B.K. KHARE & COMPANY (ICAI peer reviewed, certificate valid till 2028-03-31) | FY 2026 | Declaration of unmodified opinion |
Board of Directors of Fusion Finance Limited
Fusion Finance Limited is currently managed by 7 directors, with 20 former directors having served the organization. The current Directors play a crucial role in shaping the company's strategic direction and governance.
| Name | Designation | Appointment Date | Tenure | Status |
|---|---|---|---|---|
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Namrata Kaul
Also directs:
Jsw Dulux Limited, Havells India Limited, Vivriti Asset Management Private Limited and 1 more
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Director | 18 Feb 2020 | 6 Years 5 Months | Current |
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Rajeev Sardana
Also directs:
Poonawalla Fincorp Limited
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Director | 18 Aug 2025 | 0 Years 11 Months | Current |
| Sanjay Garyali | Managing Director | 18 Aug 2025 | 0 Years 11 Months | Current |
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Hemant Omprakash Mundra
Also directs:
Parksons Packaging Limited, Terra One Packaging Private Limited, Truhome Finance Limited and 3 more
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Director | 04 Sep 2025 | 0 Years 10 Months | Current |
| Puneet Gupta | Director | 05 Oct 2024 | 1 Years 9 Months | Current |
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Brahmanand Hegde
Also directs:
Varthana Finance Private Limited, Kaabil Finance Private Limited
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Director | 06 Feb 2026 | 0 Years 5 Months | Current |
Financials of Fusion Finance Limited FY 2026 filings available
Fusion Finance Limited reported revenue of ₹1,698.53 Cr (down 26.78% YoY) for FY 2026.
| Metrics | FY 2026 | FY 2025 | FY 2024 | FY 2023 |
|---|---|---|---|---|
| Revenue from Operations | ₹1,698.53 Cr | ₹2,319.76 Cr | ₹2,316.73 Cr | ₹1,741.92 Cr |
| Interest Earned | ₹1,532.52 Cr | ₹2,134.22 Cr | ₹2,091.9 Cr | ₹1,600.1 Cr |
| Other Income | ₹33.97 Cr | ₹49.13 Cr | ₹95.69 Cr | ₹58.05 Cr |
| Total Income | ₹1,732.5 Cr | ₹2,368.89 Cr | ₹2,412.42 Cr | ₹1,799.97 Cr |
| Cost of Materials Consumed | ₹0 | ₹0 | ₹0 | ₹0 |
| Purchases of Stock-in-Trade | ₹0 | ₹0 | ₹0 | ₹0 |
| Changes in Inventories | ₹0 | ₹0 | ₹0 | ₹0 |
| Employee Benefit Expense | ₹616.92 Cr | ₹573.24 Cr | ₹431.22 Cr | ₹325.52 Cr |
| Finance Costs | ₹538.72 Cr | ₹843.85 Cr | ₹790.83 Cr | ₹642.78 Cr |
| Depreciation & Amortisation | ₹9.6 Cr | ₹11.67 Cr | ₹9.01 Cr | ₹7.41 Cr |
| Other Expenses | ₹205.02 Cr | ₹203.65 Cr | ₹153.24 Cr | ₹111.91 Cr |
| Total Expenses | ₹1,795.43 Cr | ₹3,501.9 Cr | ₹1,749.16 Cr | ₹1,287.99 Cr |
| Profit Before Exceptional Items & Tax | -₹62.93 Cr | -₹1,133.01 Cr | ₹663.26 Cr | ₹511.98 Cr |
| Exceptional Items | ₹0 | ₹0 | ₹0 | ₹0 |
| Profit Before Tax | -₹62.93 Cr | -₹1,133.01 Cr | ₹663.26 Cr | ₹511.98 Cr |
| Total Tax Expense | -₹76.78 Cr | ₹91.53 Cr | ₹157.97 Cr | ₹124.84 Cr |
| Net Profit | ₹13.85 Cr | -₹1,224.54 Cr | ₹505.29 Cr | ₹387.15 Cr |
| Other Comprehensive Income | -₹2.25 Cr | ₹1.28 Cr | ₹1.23 Cr | ₹31.3 Lakh |
| Total Comprehensive Income | ₹11.6 Cr | -₹1,223.26 Cr | ₹506.52 Cr | ₹387.46 Cr |
| EBITDA (computed) | ₹485.39 Cr | -₹277.49 Cr | ₹1,463.1 Cr | ₹1,162.17 Cr |
| Basic EPS | ₹1.01 | ₹-111.41 | ₹50.30 | ₹43.29 |
| Diluted EPS | ₹1.01 | ₹-111.41 | ₹50.11 | ₹43.13 |
| Metrics | FY 2026 | FY 2025 | FY 2024 | FY 2023 |
|---|---|---|---|---|
| Total Assets | ₹8,294.8 Cr | ₹8,292.67 Cr | ₹11,774 Cr | ₹9,363.54 Cr |
| Property, Plant & Equipment | ₹24.57 Cr | ₹24.55 Cr | ₹30.9 Cr | ₹20.94 Cr |
| Inventories | ₹0 | ₹0 | ₹0 | ₹0 |
| Cash & Equivalents | ₹1,874.84 Cr | ₹783.05 Cr | ₹1,474.69 Cr | ₹950.36 Cr |
| Equity (Net Worth) | ₹2,455.93 Cr | ₹1,643.33 Cr | ₹2,848.15 Cr | ₹2,321.92 Cr |
| Equity Share Capital | ₹161.52 Cr | ₹100.65 Cr | ₹100.62 Cr | ₹100.35 Cr |
| Total Liabilities | ₹5,838.87 Cr | ₹6,649.34 Cr | - | - |
| Metrics | FY 2026 | FY 2025 | FY 2024 | FY 2023 |
|---|---|---|---|---|
| Operating Cash Flow | ₹1,146.25 Cr | ₹1,447.88 Cr | -₹1,350.34 Cr | -₹1,663.04 Cr |
| Investing Cash Flow | ₹12.17 Cr | ₹74.4 Cr | ₹31.48 Cr | ₹17.86 Cr |
| Financing Cash Flow | -₹66.63 Cr | -₹2,213.92 Cr | ₹1,843.19 Cr | ₹1,584.18 Cr |
| Capital Expenditure | ₹1.69 Cr | ₹6.64 Cr | ₹16.5 Cr | ₹7.53 Cr |
| Free Cash Flow (computed) | ₹1,144.56 Cr | ₹1,441.24 Cr | -₹1,366.84 Cr | -₹1,670.57 Cr |
| Dividends Paid | ₹0 | ₹0 | ₹0 | ₹0 |
| Net Change in Cash | ₹1,091.79 Cr | -₹691.64 Cr | ₹524.33 Cr | -₹61.01 Cr |
| Metrics | Q4 FY26 | Q3 FY26 | Q2 FY26 | Q1 FY26 | Q4 FY25 | Q3 FY25 | Q2 FY25 | Q1 FY25 | Q4 FY24 | Q3 FY24 | Q2 FY24 | Q1 FY24 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue from Operations | ₹424.02 Cr | ₹416.44 Cr | ₹415.79 Cr | ₹434.43 Cr | ₹466.08 Cr | ₹473.81 Cr | ₹691.55 Cr | ₹688.32 Cr | ₹645.99 Cr | ₹593.03 Cr | ₹546.64 Cr | ₹531.07 Cr |
| Interest Earned | ₹362.49 Cr | ₹362.86 Cr | ₹380.8 Cr | ₹421.89 Cr | ₹448.68 Cr | ₹438.18 Cr | ₹626.08 Cr | ₹621.28 Cr | ₹576.06 Cr | ₹540.04 Cr | ₹496.8 Cr | ₹479 Cr |
| Other Income | ₹6.12 Cr | ₹7.66 Cr | ₹16.9 Cr | ₹11.14 Cr | ₹9.91 Cr | ₹8.7 Cr | ₹12.16 Cr | ₹18.36 Cr | ₹29.15 Cr | ₹20.21 Cr | ₹24.62 Cr | ₹21.71 Cr |
| Total Income | ₹430.14 Cr | ₹424.1 Cr | ₹432.69 Cr | ₹445.57 Cr | ₹475.99 Cr | ₹482.51 Cr | ₹703.71 Cr | ₹706.68 Cr | ₹675.14 Cr | ₹613.24 Cr | ₹571.26 Cr | ₹552.78 Cr |
| Cost of Materials Consumed | ₹0 | ₹0 | ₹0 | ₹0 | ₹0 | ₹0 | ₹0 | ₹0 | ₹0 | ₹0 | ₹0 | ₹0 |
| Purchases of Stock-in-Trade | ₹0 | ₹0 | ₹0 | ₹0 | ₹0 | ₹0 | ₹0 | ₹0 | ₹0 | ₹0 | ₹0 | ₹0 |
| Changes in Inventories | ₹0 | ₹0 | ₹0 | ₹0 | ₹0 | ₹0 | ₹0 | ₹0 | ₹0 | ₹0 | ₹0 | ₹0 |
| Employee Benefit Expense | ₹155.18 Cr | ₹153.44 Cr | ₹154.14 Cr | ₹154.16 Cr | ₹146.2 Cr | ₹151.17 Cr | ₹140.47 Cr | ₹135.4 Cr | ₹122.23 Cr | ₹111.87 Cr | ₹99.28 Cr | ₹97.84 Cr |
| Finance Costs | ₹132.1 Cr | ₹123.46 Cr | ₹134.27 Cr | ₹148.89 Cr | ₹179.41 Cr | ₹213.67 Cr | ₹227.36 Cr | ₹223.41 Cr | ₹214.88 Cr | ₹201.46 Cr | ₹191.01 Cr | ₹183.48 Cr |
| Depreciation & Amortisation | ₹2.2 Cr | ₹2.49 Cr | ₹2.49 Cr | ₹2.42 Cr | ₹3.26 Cr | ₹3.2 Cr | ₹2.85 Cr | ₹2.36 Cr | ₹2.78 Cr | ₹2.38 Cr | ₹2.09 Cr | ₹1.76 Cr |
| Other Expenses | ₹47.61 Cr | ₹51.14 Cr | ₹52.78 Cr | ₹53.49 Cr | ₹57 Cr | ₹49.7 Cr | ₹49.19 Cr | ₹47.76 Cr | ₹44.57 Cr | ₹37.27 Cr | ₹37.09 Cr | ₹34.31 Cr |
| Total Expenses | ₹392.73 Cr | ₹410.05 Cr | ₹454.83 Cr | ₹537.82 Cr | ₹640.55 Cr | ₹990.03 Cr | ₹1,113.92 Cr | ₹757.4 Cr | ₹503.43 Cr | ₹446.74 Cr | ₹405.67 Cr | ₹393.32 Cr |
| Profit Before Exceptional Items & Tax | ₹37.41 Cr | ₹14.05 Cr | -₹22.14 Cr | -₹92.25 Cr | -₹164.56 Cr | -₹507.52 Cr | -₹410.21 Cr | -₹50.72 Cr | ₹171.71 Cr | ₹166.5 Cr | ₹165.59 Cr | ₹159.46 Cr |
| Exceptional Items | ₹0 | ₹0 | ₹0 | ₹0 | ₹0 | ₹0 | ₹0 | ₹0 | ₹0 | ₹0 | ₹0 | ₹0 |
| Profit Before Tax | ₹37.41 Cr | ₹14.05 Cr | -₹22.14 Cr | -₹92.25 Cr | -₹164.56 Cr | -₹507.52 Cr | -₹410.21 Cr | -₹50.72 Cr | ₹171.71 Cr | ₹166.5 Cr | ₹165.59 Cr | ₹159.46 Cr |
| Total Tax Expense | -₹76.78 Cr | ₹0 | ₹0 | ₹0 | ₹0 | ₹211.8 Cr | -₹105.17 Cr | -₹15.1 Cr | ₹39.02 Cr | ₹40.05 Cr | ₹39.9 Cr | ₹39 Cr |
| Net Profit | ₹114.19 Cr | ₹14.05 Cr | -₹22.14 Cr | -₹92.25 Cr | -₹164.56 Cr | -₹719.32 Cr | -₹305.04 Cr | -₹35.62 Cr | ₹132.69 Cr | ₹126.45 Cr | ₹125.69 Cr | ₹120.46 Cr |
| Other Comprehensive Income | ₹3.05 Cr | -₹56 Lakh | -₹7.16 Cr | ₹2.42 Cr | -₹60 Lakh | ₹45 Lakh | ₹45 Lakh | ₹98 Lakh | ₹26 Lakh | ₹9 Lakh | ₹64 Lakh | ₹24 Lakh |
| Total Comprehensive Income | ₹117.24 Cr | ₹13.49 Cr | -₹29.3 Cr | -₹89.83 Cr | -₹165.16 Cr | -₹718.87 Cr | -₹304.59 Cr | -₹34.64 Cr | ₹132.95 Cr | ₹126.54 Cr | ₹126.33 Cr | ₹120.7 Cr |
| EBITDA (computed) | ₹171.71 Cr | ₹140 Cr | ₹114.62 Cr | ₹59.06 Cr | ₹18.11 Cr | -₹290.65 Cr | -₹180 Cr | ₹175.05 Cr | ₹389.37 Cr | ₹370.34 Cr | ₹358.69 Cr | ₹344.7 Cr |
| Basic EPS | ₹7.06 | ₹1.05 | ₹-1.69 | ₹-7.44 | ₹-14.97 | ₹-71.46 | ₹-30.31 | ₹-3.54 | ₹13.20 | ₹12.58 | ₹12.52 | ₹12.00 |
| Diluted EPS | ₹7.06 | ₹1.05 | ₹-1.69 | ₹-7.44 | ₹-14.97 | ₹-71.46 | ₹-30.31 | ₹-3.53 | ₹13.15 | ₹12.51 | ₹12.43 | ₹11.93 |
Board & Governance of Fusion Finance Limited
As per the corporate governance filing with NSE for the quarter ended 31-MAR-2026, the board of Fusion Finance Limited has 8 directors - 5 independent and 1 executive. The board is chaired by PUNEET GUPTA.
| Director | Position | On board since | Listed boards |
|---|---|---|---|
| KENNETH DAN VANDER WEELE | Non-Executive - Nominee Director | 2016-08-12 | 0 |
| NAMRATA KAUL | Non-Executive - Independent Director | 2020-02-18 | 3 |
| RATNA DHARASHREE VISHWANATHAN | Non-Executive - Independent Director | 2018-05-24 | 4 |
| PUNEET GUPTA | Non-Executive - Independent Director · Chairperson | 2024-10-05 | 1 |
| HEMANT OMPRAKASH MUNDRA | Non-Executive - Non Independent Director | 2025-09-04 | 1 |
| RAJEEV SARDANA | Non-Executive - Independent Director | 2025-08-18 | 2 |
| SANJAY GARYALI | Executive Director · CEO-MD | 2025-08-18 | 1 |
| BRAHMANAND HEGDE | Non-Executive - Independent Director | 2026-02-06 | 1 |
| REMIKA AGARWAL | Non-Executive - Non Independent Director | 2026-03-31 | 1 |
| Committee | Members |
|---|---|
| Audit Committee | NAMRATA KAUL (Chairperson), PUNEET GUPTA, HEMANT OMPRAKASH MUNDRA, RATNA DHARASHREE VISHWANATHAN, RAJEEV SARDANA |
| Nomination and remuneration committee | RATNA DHARASHREE VISHWANATHAN (Chairperson), NAMRATA KAUL, HEMANT OMPRAKASH MUNDRA, PUNEET GUPTA |
| Stakeholders Relationship Committee | RATNA DHARASHREE VISHWANATHAN (Chairperson), SANJAY GARYALI, NAMRATA KAUL, PUNEET GUPTA |
| Risk Management Committee | NAMRATA KAUL (Chairperson), SANJAY GARYALI, PUNEET GUPTA, RAJEEV SARDANA, HEMANT OMPRAKASH MUNDRA, SANJAY CHOUDHARY |
| Corporate Social Responsibility Committee | RATNA DHARASHREE VISHWANATHAN (Chairperson), SANJAY GARYALI, PUNEET GUPTA |
Charges & Borrowings of Fusion Finance Limited
| Date | Lender | Amount | Status |
|---|---|---|---|
| 18 Jun 2026 | Others | ₹200 Cr | Open |
| 27 May 2026 | Others | ₹100 Cr | Open |
| 25 May 2026 | Others | ₹100 Cr | Open |
| 22 May 2026 | Others | ₹75 Cr | Open |
| 29 Apr 2026 | Others | ₹150 Cr | Open |
Total charge records: 551 View all charges
Employees and EPFO Compliance at Fusion Finance Limited
View historical data on people associated with Fusion Finance Limited, including employment history and EPFO contributions.
Employee and EPFO history for Fusion Finance Limited
Monthly headcount, contribution history, establishment records, and filing compliance require an active report plan.
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GST Compliance of Fusion Finance Limited
GST registrations and filing compliance for Fusion Finance Limited
State-wise registrations, return filing status, HSN and SAC details, and jurisdiction records require an active report plan.
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Credit Ratings, Litigation & Regulatory Alerts for Fusion Finance Limited
Credit ratings, litigation, and regulatory alerts for Fusion Finance Limited
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- Rating history
- Court and tribunal cases
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MSME Payment Delays by Fusion Finance Limited
MSME payment history for Fusion Finance Limited
Amounts outstanding to micro and small suppliers, delay reasons, and MSME-1 filing history require an active report plan.
- Outstanding amounts
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- MSME-1 filing history
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Subsidiaries & Group Companies of Fusion Finance Limited
Corporate group structure for Fusion Finance Limited
Parent, subsidiary, associate, joint venture, and ownership records require an active report plan.
- Parent company
- Subsidiaries and ownership
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MCA Filings & Documents of Fusion Finance Limited
MCA filings and documents for Fusion Finance Limited
Official forms, annual returns, financial statements, charge filings, and document dates require an active report plan.
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Recent Activity on Fusion Finance Limited
Recent News on Fusion Finance Limited
Frequently Asked Questions about Fusion Finance Limited
Fusion Finance Limited is an active public limited company in the financial services sector based in New Delhi, Delhi, India. It was incorporated on 05 September 1994 (32+ years old) and is registered under CIN L65100DL1994PLC061287. Listed on BSE: 543652. The company has 12,403 employees.
Fusion Finance Limited reported revenue of ₹1,698.53 Cr for FY 2026 (down 26.78% YoY) based on standalone NSE filings.
The current directors of Fusion Finance Limited are:
- Namrata Kaul - Director
- Rajeev Sardana - Director
- Sanjay Garyali - Managing Director
- Hemant Omprakash Mundra - Director
- Puneet Gupta - Director
- Brahmanand Hegde - Director
- Remika Agarwal - Director
The primary industry of Fusion Finance Limited is financial services. The company specifically operates in microfinance institutions. The company is currently active in this sector.
Yes. Fusion Finance Limited is listed on BSE with code 543652.
Fusion Finance Limited can be reached at the registered office: H – 1 C Block Community Centre Naraina Vihar, New Delhi, Delhi, India – 110028, or through the website fusionmicrofinance.com.