TRU

TruCap Finance Limited

Non-banking financial company with fund-based and advisory services

Financial Services›Financial Services›Finance›Non Banking Financial Company (NBFC)

trucapfinance.com

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Key metrics

Price as of 2026-10-16

Stock price

₹4.28

Market cap

51 Cr

Stock P/E

Loss (TTM EPS ₹-9.60)

P/B

1.00

Dividend yield

0.2%

ROE (FY26)

-220.9%

Full years shown; sign in free for the trailing twelve months. Learn about these metrics →

Price & valuation

Share price and valuation multiples (P/E, P/B and more) over time.

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Compare with peers

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What you need to know

TruCap (TruCap Finance) is a Mumbai-based non-banking finance company (NBFC) that lends through gold loans, MSME (micro, small and medium enterprise) business loans and electric-vehicle financing, and is now running down its loan book while it seeks to restructure its debt.

Company snapshot

56thBy market cap

Ranked among 58 companies in Non Banking Financial Company (NBFC).

Segment mix

Reportable segments as of 2024-12-31 (Consolidated). Revenue share = segment revenue ÷ total revenue.

Largest segment: 92.9% of revenue

Segment	Revenue share	Revenue	PBT	Assets
- Advisory Services	8.1%	13 Cr	8 Cr	—
- Fund Based Activities	92.9%	150 Cr	-0.36 Cr	—

What we see

Concerns

✗Net margin is negative — the company is spending more than it earns right now.

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Statement tables · Consolidated

Switches quarterly, P&L, balance sheet, and cash flow. Key metrics and ratios stay on consolidated when available.

Amounts in ₹ Cr · tap + to expand rows

Quarterly results

Quarterly · ₹ Cr · tap + rows to expand

Metric	Sept 2023	Dec 2023	Mar 2024	Jun 2024	Sept 2024	Dec 2024	Mar 2025	Jun 2025	Sept 2025	Dec 2025	Mar 2026¹	Jun 2026
Net Interest Income	9 Cr	9 Cr	10 Cr	17 Cr	23 Cr	24 Cr	11 Cr	9 Cr	1 Cr	0.52 Cr	-6 Cr	6 Cr
Other income	0.24 Cr	9 Cr	12 Cr	0.37 Cr	0.66 Cr	1 Cr	0.72 Cr	12 Cr	2 Cr	0.71 Cr	-11 Cr	0.95 Cr
Net operating income	9 Cr	19 Cr	22 Cr	18 Cr	24 Cr	25 Cr	11 Cr	21 Cr	3 Cr	1 Cr	-18 Cr	7 Cr
Employee cost	10 Cr	12 Cr	12 Cr	12 Cr	12 Cr	12 Cr	11 Cr	10 Cr	10 Cr	5 Cr	5 Cr	7 Cr
Other expenses	9 Cr	9 Cr	10 Cr	8 Cr	11 Cr	11 Cr	13 Cr	15 Cr	10 Cr	11 Cr	4 Cr	6 Cr
Provisions & contingencies	—	—	—	—	—	—	—	—	—	—	—	—
Depreciation	2 Cr	3 Cr	2 Cr	2 Cr	2 Cr	2 Cr	21 Cr	2 Cr	2 Cr	2 Cr	2 Cr	2 Cr
Profit before tax	3 Cr	3 Cr	4 Cr	2 Cr	3 Cr	0.78 Cr	-76 Cr	-16 Cr	-46 Cr	-52 Cr	-38 Cr	-14 Cr
Tax %	46.6%	13.5%	-38.7%	35.1%	61.5%	-24.2%	11.4%	42.4%	27.9%	19.1%	—	24.6%
Net profit	1 Cr	3 Cr	6 Cr	1 Cr	1 Cr	0.96 Cr	-68 Cr	-9 Cr	-33 Cr	-42 Cr	-28 Cr	-11 Cr
EPS (₹)	₹0.12	₹0.24	₹0.49	₹0.10	₹0.09	₹0.80	₹-5.34	₹-0.78	₹-2.81	₹-3.54	—	₹-0.89

1Mar 2026: Derived from year-to-date: the year to 31 Mar 2026 less the quarters to 30 Jun 2025, 30 Sep 2025 and 31 Dec 2025; the filing gives no figures for this quarter alone

Profit & loss (annual)

Annual · last column is TTM · ₹ Cr · tap + to expand

Metric	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026	TTM
Net Interest Income	4 Cr	8 Cr	21 Cr	42 Cr	38 Cr	75 Cr	4 Cr	Sign in free for the trailing twelve months
Other income	0.19 Cr	0.45 Cr	0.24 Cr	0.69 Cr	21 Cr	3 Cr	3 Cr	Sign in free for the trailing twelve months
Net operating income	5 Cr	8 Cr	21 Cr	43 Cr	59 Cr	78 Cr	7 Cr	Sign in free for the trailing twelve months
Employee cost	7 Cr	13 Cr	19 Cr	29 Cr	43 Cr	48 Cr	30 Cr	Sign in free for the trailing twelve months
Other expenses	4 Cr	8 Cr	18 Cr	34 Cr	35 Cr	43 Cr	40 Cr	Sign in free for the trailing twelve months
Provisions & contingencies	—	—	—	—	—	—	—	Sign in free for the trailing twelve months
Depreciation	0.49 Cr	1 Cr	5 Cr	8 Cr	9 Cr	28 Cr	8 Cr	Sign in free for the trailing twelve months
Profit before tax	6 Cr	3 Cr	7 Cr	2 Cr	11 Cr	-71 Cr	-152 Cr	Sign in free for the trailing twelve months
Tax %	26.7%	53.2%	44.6%	74.4%	4.0%	16.7%	26.0%	Sign in free for the trailing twelve months
Net profit	4 Cr	1 Cr	4 Cr	0.63 Cr	11 Cr	-59 Cr	-113 Cr	Sign in free for the trailing twelve months
EPS (₹)	₹3.01	₹0.88	₹0.52	₹0.06	₹0.94	₹-5.07	₹-5.89	Sign in free for the trailing twelve months
Dividend payout %	—	11.0%	3.6%	17.1%	1.1%	—	—	Sign in free for the trailing twelve months

The latest four quarters added up, next to each full year

Balance sheet

Annual · ₹ Cr · tap + rows to expand

Metric	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
Equity capital	14 Cr	15 Cr	18 Cr	23 Cr	23 Cr	23 Cr	24 Cr
Reserves	18 Cr	85 Cr	154 Cr	193 Cr	189 Cr	139 Cr	27 Cr
Borrowings	16 Cr	81 Cr	286 Cr	443 Cr	686 Cr	520 Cr	331 Cr
Other liabilities	2 Cr	6 Cr	13 Cr	13 Cr	23 Cr	17 Cr	9 Cr
Total liabilities	48 Cr	186 Cr	472 Cr	671 Cr	921 Cr	699 Cr	392 Cr
Fixed assets (net)	2 Cr	9 Cr	15 Cr	19 Cr	20 Cr	15 Cr	5 Cr
CWIP	0.26 Cr	0.78 Cr	2 Cr	0.73 Cr	0.06 Cr	0 Cr	0 Cr
Investments	1 Cr	11 Cr	26 Cr	49 Cr	28 Cr	31 Cr	27 Cr
Loans & advances	33 Cr	100 Cr	288 Cr	418 Cr	593 Cr	458 Cr	244 Cr
Trade receivables	1 Cr	6 Cr	16 Cr	39 Cr	74 Cr	42 Cr	15 Cr
Cash & bank	2 Cr	32 Cr	59 Cr	38 Cr	101 Cr	39 Cr	8 Cr
Other assets	9 Cr	27 Cr	66 Cr	108 Cr	104 Cr	115 Cr	92 Cr
Total assets	48 Cr	186 Cr	472 Cr	671 Cr	921 Cr	699 Cr	392 Cr

Cash flows

Annual · ₹ Cr · tap + rows to expand · last column includes FCF

Metric	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
Cash from operating activity	13 Cr	-80 Cr	-185 Cr	-151 Cr	-212 Cr	212 Cr	196 Cr
Cash from investing	-4 Cr	-34 Cr	-73 Cr	-66 Cr	30 Cr	-28 Cr	134 Cr
Cash from financing	-11 Cr	145 Cr	284 Cr	197 Cr	245 Cr	-246 Cr	-348 Cr
Net cash flow	-2 Cr	31 Cr	26 Cr	-21 Cr	63 Cr	-62 Cr	-31 Cr
Free cash flow (OCF − Capex)	12 Cr	-93 Cr	-221 Cr	-165 Cr	-222 Cr	211 Cr	196 Cr

Ratios

Metric	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
ROE %	13.0%	1.3%	2.3%	0.3%	5.2%	-36.5%	-220.9%
Debt / equity	0.50	0.81	1.66	2.05	3.24	3.21	6.50