Dhruva Capital Services Publishes Audited Financial Results for Q4FY26

Dhruva Capital Services announced the newspaper publication of its audited financial results for the quarter and financial year ended March 31, 2026, in compliance with SEBI regulations. The company published its results in Financial Express (English) and Jagruk Times (Hindi) newspapers on May 2, 2026.

Q4FY26 Performance Highlights

For the quarter ended March 31, 2026, the company reported mixed performance with total income from operations of Rs. 86.37 lakh compared to Rs. 48.66 lakh in Q4FY25. However, the company recorded a net loss of Rs. 81.26 lakh for Q4FY26 against a loss of Rs. 210.59 lakh in the corresponding quarter of the previous year.

Particulars:	Q4FY26 (Rs. in Lakh)	Q4FY25 (Rs. in Lakh)	Change
Total Income from Operations:	86.37	48.66	+77.5%
Net Profit/(Loss) After Tax:	(81.26)	(210.59)	Improved
Basic EPS (Rs.):	(1.13)	(5.19)	Improved
Diluted EPS (Rs.):	(1.32)	(5.19)	Improved

Annual Financial Performance FY26

For the full financial year ended March 31, 2026, Dhruva Capital Services achieved a significant turnaround with total revenue of Rs. 549.52 lakh, substantially higher than Rs. 238.66 lakh in FY25. The company reported a net profit of Rs. 162.01 lakh for FY26, marking a remarkable recovery from the net loss of Rs. 110.84 lakh in the previous year.

Financial Metrics:	FY26 (Rs. in Lakh)	FY25 (Rs. in Lakh)	Change
Total Revenue:	549.52	238.66	+130.2%
Revenue from Operations:	310.94	212.88	+46.1%
Net Profit/(Loss):	162.01	(110.84)	Turnaround
Basic EPS (Rs.):	2.25	(2.73)	Positive

Fund Utilization Compliance

Pursuant to SEBI Regulation 32 and circular SEBI/HO/CFD/PoD2/CIR/P/2023/120 dated July 11, 2023, the company confirmed complete compliance in fund utilization. The preferential issue of Rs. 1,830.75 lakh raised on July 30, 2025, was fully utilized for working capital purposes as stated in the EGM notice dated February 10, 2025.

Fund Utilization Details:	Amount (Rs. in Lakh)
Preferential Issue Amount:	1,830.75
Amount Utilized:	1,830.75
Deviation:	Nil
Purpose:	Working Capital

Balance Sheet Strengthening

The company's financial position improved significantly with total assets reaching Rs. 4,635.47 lakh as of March 31, 2026, compared to Rs. 2,019.77 lakh in the previous year. Key components included loans of Rs. 2,963.16 lakh and investments of Rs. 1,500.00 lakh. Equity share capital increased to Rs. 719.03 lakh from Rs. 406.17 lakh.

Corporate Governance Updates

The Board appointed M/s. Vikash Chamaria & Company, Chartered Accountants (FRN No. 325174E), as internal auditor for FY27, effective from April 30, 2026. The audited financial results were reviewed by the Audit Committee and approved by the Board of Directors on April 30, 2026, with statutory auditors M/s. V. Jalan & Co issuing an unmodified opinion.

1 Day	5 Days	1 Month	6 Months	1 Year	5 Years
+1.94%	+6.14%	+40.28%	+152.71%	+113.46%	+16,809.31%

Dhruva Capital Services Limited has announced the launch of its NeoMoney digital lending platform in April 2026, marking a significant transformation from a legacy NBFC to a next-generation fintech leader. The RBI-registered NBFC, established in 1994, is pivoting to digital-first lending to serve the next generation of borrowers across India's underserved markets. The announcement was made pursuant to Regulation 30 of SEBI (Listing Obligations and Disclosure Requirements) Regulations 2015.

The NeoMoney platform features an AI-powered core with advanced intelligent underwriting engines and automated real-time decision-making capabilities. The platform offers instant 24/7 credit access with a completely digital lending journey. Small-ticket unsecured consumer credit is available nationwide, with instant disbursements ranging from ₹500 to ₹5,000 and one-time approval up to ₹50,000. The average processing time is 5 minutes, enabling rapid credit decisions through AI-powered systems.

NeoMoney Platform Features

Feature	Details
Minimum Loan Ticket	₹500
Maximum Loan Ticket	₹5,000
One-time Approval Limit	₹50,000
Average Processing Time	5 Min
Loan Terms	30, 60, or 90 days with 90-day extension
Processing Fee	Zero

The platform's credit engine incorporates digital KYC with advanced identity verification and multi-factor risk assessment, completing user verification in seconds. API integrations pull real-time data with intelligent underwriting algorithms for optimized loan approvals. The automated flow enables fast one-tap loan disbursements with continuous 24/7 automated monitoring systems.

Specialized Finance Segments

Beyond the NeoMoney platform, dhruva capital services operates specialized finance segments. The Goldsmith targeting model offers pledge-based loans ranging between ₹50,000 and ₹1 Lakh with competitive interest rates between 18% and 24%, specifically designed for Tier-2 and Tier-3 urban markets. The company collaborates with local jewelers to source new leads while utilizing advanced digital valuation applications for rapid asset appraisals.

Finance Segment	Loan Range	Interest Rates	Tenure	Partners
Motor Vehicle Service Finance	Under ₹10,000	20% – 28%	Up to 5 months	Authorized OEM dealers (Maruti, Hero)
Tyre Finance	Up to ₹40,000	24% – 32%	9 – 12 months	Tyre centers (MRF, Apollo)

Strategic Roadmap and Future Outlook

The company has outlined a strategic roadmap for specialized credit expansion, beginning with the NeoMoney nationwide launch of small-ticket unsecured consumer credit. This will be followed by POS-linked motor vehicle service bay rollout and expansion into the Rajasthan & Gujarat retail markets through the Goldsmith model. The company is also planning iOS integration for its digital lending applications.

Dhruva Capital Services is projected to grow rapidly, targeting an annual growth rate of approximately 50-60% over the next 4-5 years. The company seeks strategic partnerships to scale the NeoMoney platform to 1 million+ active users, expanding credit access across every Tier-2 and Tier-3 city in India. These initiatives are expected to expand its customer base, improve net interest margins (NIM), and enhance overall profitability.