TruCap Finance
: TRU · Non Banking Financial Company (NBFC)
Limited coverage
We are not actively covering this company or have limited coverage today. Click to request coverage.
Snapshot
Unlock TruCap Finance's vital signs
Growth · Profitability · Valuation · Strength · Conviction
Company Overview
Business
TruCap Finance is a non-deposit taking NBFC focused on providing credit solutions to MSMEs and low-to-mid income groups. The company offers both secured and unsecured financing products to under-banked entrepreneurs.
Business Model
The company generates revenue through fund-based lending activities and advisory services, leveraging a network of over 45 lenders to fund its operations. It operates a branch-led model to reach its target customer base of micro and small enterprises.
- Loan Book:10.3 Billion INR
- Customer Base:96,700+
- Branch Network:128+
Growth Outlook
Growth is driven by expanding the reach of credit solutions to the under-banked MSME segment and scaling the existing branch network. The company continues to focus on deepening its penetration within its target LMI and MSME demographics.
Key Risks
- Credit Risk. The company faces potential defaults from its MSME and LMI borrower base, which may be more sensitive to economic downturns.
- Interest Rate Risk. Fluctuations in interest rates can impact the company's net interest margins and the cost of borrowing from its 45+ lenders.
- Regulatory Risk. As an NBFC, the company is subject to evolving regulatory frameworks and compliance requirements set by the Reserve Bank of India.
- Liquidity Risk. The company's ability to maintain sufficient liquidity depends on its ongoing access to debt funding from institutional lenders.
Start your research today
Unlock AI insights, financials, peers and live data on TruCap Finance and 5,000+ companies — free.
Peers · Non Banking Financial Company (NBFC)
| Company | Mkt Cap | P/E | EV/EBITDA | Rev Gr YoY | EBITDA Mgn | ROE | ROCE | 1Y Return |
|---|---|---|---|---|---|---|---|---|
TruCap FinanceTRU | ₹49 Cr | — | — | — | — | — | — | -61.4% |
Purple FinancePURPLEFIN | ₹433 Cr | -367.50 | — | 204.7% | — | -1.2% | — | +102.3% |
Akme Fintrade (India) LimitedAFIL | ₹401 Cr | 9.04 | — | 40.5% | — | 11.0% | — | +35.4% |
Moneyboxx Finance LimitedMONEYBOXX | ₹398 Cr | 237.38 | — | 5.9% | — | 0.5% | — | -57.2% |
Muthoot Capital Services LimitedMUTHOOTCAP | ₹395 Cr | 16.50 | — | 22.0% | — | 3.6% | — | -12.6% |
Avonmore Capital & Management Services LimitedAVONMORE | ₹392 Cr | 25.74 | — | 11.4% | — | 8.3% | — | -27.6% |
Financials
TruCap Finance
: TRU · Non Banking Financial Company (NBFC)
Limited coverage
We are not actively covering this company or have limited coverage today. Click to request coverage.
Snapshot
Unlock TruCap Finance's vital signs
Growth · Profitability · Valuation · Strength · Conviction
Company Overview
Business
TruCap Finance is a non-deposit taking NBFC focused on providing credit solutions to MSMEs and low-to-mid income groups. The company offers both secured and unsecured financing products to under-banked entrepreneurs.
Business Model
The company generates revenue through fund-based lending activities and advisory services, leveraging a network of over 45 lenders to fund its operations. It operates a branch-led model to reach its target customer base of micro and small enterprises.
- Loan Book:10.3 Billion INR
- Customer Base:96,700+
- Branch Network:128+
Growth Outlook
Growth is driven by expanding the reach of credit solutions to the under-banked MSME segment and scaling the existing branch network. The company continues to focus on deepening its penetration within its target LMI and MSME demographics.
Key Risks
- Credit Risk. The company faces potential defaults from its MSME and LMI borrower base, which may be more sensitive to economic downturns.
- Interest Rate Risk. Fluctuations in interest rates can impact the company's net interest margins and the cost of borrowing from its 45+ lenders.
- Regulatory Risk. As an NBFC, the company is subject to evolving regulatory frameworks and compliance requirements set by the Reserve Bank of India.
- Liquidity Risk. The company's ability to maintain sufficient liquidity depends on its ongoing access to debt funding from institutional lenders.
Start your research today
Unlock AI insights, financials, peers and live data on TruCap Finance and 5,000+ companies — free.
Peers · Non Banking Financial Company (NBFC)
As of