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Dhruva Capital Services, an RBI-registered NBFC since 1994, is transforming from a legacy lending business into an AI-powered digital lending platform. The company launched its 'NeoMoney' app in April 2026, offering small-ticket loans ranging from ₹500 to ₹5,000 with 5-minute processing times. The company also offers service finance for motor vehicles and tyres, plus goldsmith pledge-based loans (₹50,000-₹1 lakh) at 18-32% interest rates. Management projects 50-60% annual growth over the next 4-5 years and expects the digital initiatives to improve net interest margins and expand their customer base, particularly in Tier 2 and Tier 3 markets.
The company is making a bold pivot to digital-first lending with specific growth targets. For existing shareholders, this represents a speculative bet on a small NBFC successfully competing in the crowded digital lending space. The margin improvement guidance is positive but execution risk is high for a company targeting aggressive 50-60% growth.