Dhansafal Finserve Q1FY27 net profit rises 288% to ₹58 lakh on revenue growth
Dhansafal Finserve posted a 288% YoY rise in Q1FY27 net profit to ₹57.97 lakh, supported by 61% revenue growth. Interest income drove the top-line expansion, while expense growth lagged at 41%, improving operating leverage. The board also appointed a new internal auditor and scheduled the AGM for September 2026.
*this image is generated using AI for illustrative purposes only.
Dhansafal Finserve reported a net profit of ₹57.97 lakh for the quarter ended June 30, 2026, up from ₹14.93 lakh in the same period of FY25. The Mumbai-based non-banking financial company (NBFC) saw its revenue from operations grow 61% year-on-year to ₹374.32 lakh, driven primarily by higher interest income.
The Board of Directors approved the unaudited financial results on August 13, 2026. The company also appointed M/s. AHSP & Co. LLP as its Internal Auditor for the financial year 2026-27, a move recommended by the Audit Committee. Additionally, the Board approved convening the 45th Annual General Meeting (AGM) via video conferencing on September 23, 2026, where shareholders will be asked to approve authority for raising funds through private placement if required.
Financial Performance
Interest income, the primary revenue driver, rose to ₹342.59 lakh in Q1FY27 from ₹218.97 lakh in Q1FY25. Fees and commission income also increased to ₹31.73 lakh from ₹12.89 lakh during the same period. Total expenses stood at ₹309.94 lakh, compared to ₹219.46 lakh in the prior year quarter, with employee benefit expenses remaining relatively stable at ₹152.39 lakh.
| Metric | Q1FY27 (₹ Lakh) | Q1FY25 (₹ Lakh) | Change |
|---|---|---|---|
| Revenue from Operations | 374.32 | 231.86 | +61.4% |
| Total Revenue | 388.30 | 237.45 | +63.5% |
| Total Expenses | 309.94 | 219.46 | +41.2% |
| Profit Before Tax | 78.36 | 18.00 | +335.3% |
| Net Profit After Tax | 57.97 | 14.93 | +288.2% |
The company’s basic earnings per share (EPS) were ₹0.03 for the quarter, unchanged from the previous year’s quarter but up from ₹0.02 in Q4FY26. Tax expenses for the quarter totaled ₹20.39 lakh, comprising current tax provisions.
What the Numbers Show
While revenue growth was robust at over 60%, expense growth at 41% lagged behind, indicating improved operating leverage. Interest income constituted approximately 91% of total revenue from operations, highlighting the company’s continued reliance on lending activities rather than fee-based services. The significant jump in profit before tax (335%) compared to revenue growth (61%) suggests that fixed costs such as employee benefits and depreciation did not scale proportionately with top-line growth.
Balance Sheet and Regulatory Metrics
As per SEBI disclosures, Dhansafal Finserve maintained a debt-to-equity ratio of 0.43. The net worth of the company stood at ₹6,705.25 lakh. Key regulatory metrics for the NBFC include:
- Gross Non-Performing Assets (GNPA): 2.24%
- Net Non-Performing Assets (NNPA): 2.02%
- Capital to Risk-Weighted Assets Ratio (CRAR): 61.37%
The company disclosed two active co-lending arrangement (CLA) partners with a gross principal outstanding of ₹969.74 lakh as of June 30, 2026. These loans, primarily in the Loan Against Property sector, carried a weighted average interest rate of 18.00%, with no non-performing assets reported under these arrangements.
Corporate Actions
The trading window for securities of the company will open on August 16, 2026, following the conclusion of the board meeting. The statutory auditors, M/s. A R C K & Co., Chartered Accountants, issued a limited review report stating that nothing came to their attention to cause them to believe the financial results contained material misstatements.
Historical Stock Returns for Dhansafal Finserve
| 1 Day | 5 Days | 1 Month | 6 Months | 1 Year | 5 Years |
|---|---|---|---|---|---|
| -2.94% | -0.86% | 0.0% | -6.85% | -46.65% | +225.35% |
How might the proposed private placement impact existing shareholders' equity dilution and the company's future capital adequacy ratios?
Given the 91% reliance on interest income, what strategies is Dhansafal Finserve employing to diversify revenue streams and reduce dependency on lending activities?
With a high weighted average interest rate of 18% on co-lending assets, how vulnerable is the portfolio to rising credit costs or economic downturns affecting Loan Against Property sectors?
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