Performance Highlights
A deliberate, structural transformation — from a predominantly unsecured book to a gold-anchored, ~99 % secured lending platform with bank-grade asset quality and consistent collection efficiency.
+696%
AUM growth since inception
Nearly 8× in eight years
~30%
Compound annual growth
FY 2017–18 to FY 2025–26
0.27%
Net NPA
Bank-grade asset quality
~29%
Capital adequacy (CRAR)
Nearly 2× the RBI minimum
Growth trajectory
AUM up 696 % since inception
~30 % compound annual growth over eight years. The rising staircase below tells the story at a glance.
Cumulative AUM growth since inception (%)
Source: audited financial statements; FY 2025–26 provisional until audit adoption · As on 31 March 2026.
Year-on-year AUM growth (%)
Consolidation years (FY19, FY22) reflect early-stage consolidation and a planned portfolio pivot to secured lending.
Source: audited financial statements; FY 2025–26 provisional until audit adoption · As on 31 March 2026.
Portfolio transformation
~99 % secured in five years
A deliberate, structural shift — anchoring growth in gold loans with conservative loan-to-value discipline.
Secured vs unsecured share of AUM (%)
Source: audited financial statements; FY 2025–26 provisional until audit adoption · As on 31 March 2026.
Asset quality & discipline
Bank-grade fundamentals
Gross NPA below 1 % in FY 2025–26, collection efficiency of 93–97 % through every cycle, and zero delays with lenders — since inception.
Asset quality — GNPA and NNPA (%)
Source: audited financial statements; FY 2025–26 provisional until audit adoption · As on 31 March 2026.
Collection efficiency (%) — consistent through every cycle
Source: audited financial statements; FY 2025–26 provisional until audit adoption · As on 31 March 2026.
Profitability
Expanding margins at scale
Income up 42 % and profit more than doubled in FY 2025–26, with margins expanding as scale builds.
| Metric | FY 24–25 | FY 25–26 |
|---|---|---|
| Total income growth (YoY) | — | +42% |
| Profit after tax growth (YoY) | — | +113% |
| Net profit margin | 3.9% | 5.9% |
| EBITDA margin | 44.9% | 53.4% |
| Return on assets | 0.50% | 0.80% |
| Return on equity | 1.4% | 2.9% |
Source: audited financial statements; FY 2025–26 provisional until audit adoption · As on 31 March 2026.
Capital strength
Nearly 2× the regulatory floor
Capital adequacy of ~29 % — nearly twice the RBI minimum of 15 %. Conservative leverage well within ceilings.
Source: audited financial statements; FY 2025–26 provisional until audit adoption · As on 31 March 2026.
Scale & reach
Built for the long term
14
Branches across Madhya Pradesh
13,000+
Cumulative loan accounts served
~5,300
Active borrowers
2017
Serving since
85+
Team members
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