Transwarranty Finance Turns Profitable in Q4 FY26
Transwarranty Finance Limited announced its audited financial results for the quarter and year ended March 31, 2026, reporting a turnaround to profitability with a PAT of ₹0.07 crore in Q4 FY26. The company achieved a 61% YoY growth in AUM to ₹19.17 crore and a 99% rise in Net Interest Income. Asset quality improved with GNPA at 2.88% and NNPA at 0%. The board approved raising funds up to ₹50 crore and issuing NCDs up to ₹7.28 crore. Additionally, the company corrected the name of its re-appointed Internal Auditor to M/s. Anil Bhutra & Co.
*this image is generated using AI for illustrative purposes only.
Transwarranty Finance Limited has reported a turnaround in its financial performance for the quarter ended March 31, 2026. The company posted a Profit After Tax (PAT) of ₹0.07 crore in Q4 FY26, compared to a loss of ₹1.63 crore in the corresponding period of the previous year. This recovery was driven by a 61% year-on-year growth in Assets Under Management (AUM), which reached ₹19.17 crore, alongside a 99% increase in Net Interest Income to ₹2.02 crore.
Operational Performance
The non-deposit taking NBFC, specializing in short-tenure smartphone finance and small business loans through its “Oroboro” platform, recorded total disbursements of ₹36.51 crore during FY26, a growth of 61% YoY. The company disbursed 22,323 loans in FY26, up 73% YoY, with cumulative disbursements reaching ₹106.65 crore to approximately 70,000 borrowers as of March 31, 2026. In Q4 FY26 alone, disbursements amounted to ₹15.65 crore across 9,226 loans, marking increases of 116% and 138% respectively.
Financial Highlights
The board approved the audited standalone and consolidated financial results for the quarter and year ended March 31, 2026. Asset quality improved significantly, with Gross Non-Performing Assets (GNPA) standing at 2.88% in Q4 FY26, down from 3.72% in Q4 FY25. Net NPAs remained at 0% with 100% provision coverage. The Net Interest Margin (NIM) was 20.37% in Q4 FY26, while credit costs as a percentage of average AUM improved to 3.47% from 7.64% in the prior year.
| Metric | Q4 FY26 | Q4 FY25 | FY26 | FY25 |
|---|---|---|---|---|
| Total Income (₹ in lacs) | 331.64 | 238.51 | 877.05 | 712.70 |
| Net Profit/(Loss) (₹ in lacs) | 7.09 | (163.08) | (204.56) | (405.23) |
| AUM (₹ in crore) | 19.17 | - | - | - |
Corporate Governance and Fund Raising
The board approved raising funds up to ₹50 crore via various instruments and the issuance of unlisted Non-Convertible Debentures (NCDs) aggregating up to ₹7.28 crore on a private placement basis. Additionally, the company clarified that M/s. Anil Bhutra & Co., Chartered Accountants, has been re-appointed as Internal Auditors for the financial year 2026-27, correcting an earlier intimation that had inadvertently named a different firm.
Source: Company/INE804H01012/b218a24f711c4657.pdf
Historical Stock Returns for Transwarranty Finance
| 1 Day | 5 Days | 1 Month | 6 Months | 1 Year | 5 Years |
|---|---|---|---|---|---|
| -2.52% | +4.30% | +0.57% | -9.38% | -17.53% | +261.70% |
Can Transwarranty Finance sustain its projected 3x disbursement growth in FY27 while maintaining asset quality metrics like GNPA below 3% amid potential macroeconomic headwinds?
How will the planned ₹50 crore fundraise impact the company's leverage ratio and ability to scale its Oroboro platform into deeper Tier 2 and Tier 3 markets?
With the exit from wholesale business loans and full pivot to digital lending, what concentration risk does Transwarranty face if smartphone finance demand softens in semi-urban markets?
15
Access 50+ Readymade Screeners 
Use 200+ Custom Filters 
Get Full Market Insights 
