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DHRUVA CAPITAL SERVICES LTD.

Financial Services › Finance
₹80.00
at close · 28 Oct 2026
▲ 0.05 (+0.06%)

Latest filings

  1. Board approves QIP to raise up to Rs. 160 Crores · Fund Raising
  2. Quarterly Demat Confirmation Certificate filed with BSE · Compliance
  3. EGM approves authorised capital hike and fund raising plans · Board & Shareholder Meetings
All filings ↓
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Snapshot

What the business is, and whether it's a good one at a fair price.

AI · written from filings

Operates an RBI-registered non-banking financial company (NBFC) that lends to retail borrowers through three streams: small-ticket consumer loans via the NeoMoney digital app launched in April 2026 (ticket sizes Rs 500 to Rs 5,000, credit limit up to Rs 50,000, tenures of 30-90 days), service finance for motor vehicles and tyres, and goldsmith pledge loans of Rs 50,000-Rs 1 lakh at 18-32 percent interest rates. The NeoMoney platform uses AI-driven underwriting and offers instant disbursement through partnerships with RazorpayX and IDFC First Bank, targeting students aged 18-30 and salaried professionals aged 18-50, with an emphasis on Tier 2 and Tier 3 markets. The FY26 loan book stood at Rs 2,963 lakh against borrowings of Rs 1,270 lakh, both of which roughly doubled year-on-year. FY26 revenue was Rs 5.48 crore with net profit of Rs 1.62 crore, helped by an exceptional NPA recovery of Rs 236.93 lakh and an NPA provision reversal of Rs 107.50 lakh. Operating cash flow was deeply negative at minus Rs 1,044 lakh, and the company raised Rs 1,830.75 lakh via a July 2025 preferential issue deployed entirely into working capital.

Operating scale
RBI registration
NBFC since 1994FY26
Loan book
Rs 2,963 lakh (up from Rs 1,936 lakh)FY26
Borrowings
Rs 1,270 lakh (up from Rs 525 lakh)FY26
Total assets
Rs 46.39 croreFY26
NeoMoney ticket size
Rs 500-Rs 5,000, credit limit up to Rs 50,000
Operating cash flow
minus Rs 1,044 lakhFY26
Who pays it
Retail borrowers: students (18-30), salaried professionals (18-50), and goldsmiths seeking pledge loans, primarily in Tier 2 and Tier 3 markets
Biggest cost
Interest expense on borrowings of Rs 1,270 lakh funding the Rs 2,963 lakh loan book
Kind of business
Small, digitally-focused retail NBFC in transition from legacy lending to app-based consumer credit
Where it sits
RBI-registered NBFC operating a niche small-ticket and gold-loan book with total assets of Rs 46.39 crore
Market Cap
₹58 Cr
P / E (TTM)
42.3×
EV / EBITDA
—
Div Yield
—
Growth
90.1%▲
Revenue 5y CAGR
PAT +117.0% · EBITDA +117.2%
Quality
—·
ROCE (FY26)
ROE 2.1% (5y median) · margin 59.0%
Leverage
—·
Debt / Equity · not read for a lender
Revenue FY21→FY26
24.8×▲
Margin +14.3 pts
₹0 Cr → ₹5 Cr
Moves on a normal day
1.99%·
Median daily move
Last 256 sessions · the yardstick for filing-day moves
Where it sits among 272 Non Banking Financial Company (NBFC) peersBar = share of peers beaten · tick = industry median · latest reported figures
P/E (TTM)#152/200
P/B#177/253
ROE#103/257
EBITDA margin#81/249
Revenue growth#140/231
Profit growth#64/251

Scorecard

Measured from the filed financials, judged against its Non Banking Financial Company (NBFC) peers · as of FY26 — not investment advice

Strengths
Revenue compounding 90% a year over 5 years
Profit compounding 117% a year over 5 years
Concerns
EPS grew slower than profit — the share count rose (bonus or dilution)

Charts

How has the market priced it — with filings on the timeline?

Price

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▲ positive · ▼ negative · ● neutral filings · teal = economic event · numbered = multiple that day (click to pick). Times IST.

Peers

How does it stack up on valuation, returns and growth?

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Financials

Quarterly & annual P&L, balance sheet, cash flow, ratios and segments.

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Ownership

Who owns it — and is the promoter stake clean?

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Common questions

Answered from DHRUVA CAPITAL SERVICES LTD.'s filed financials and exchange disclosures

What does DHRUVA CAPITAL SERVICES LTD. do?

DHRUVA CAPITAL SERVICES LTD. is a Finance company listed on BSE.

Is DHRUVA CAPITAL SERVICES LTD. profitable?

No. Over the trailing twelve months DHRUVA CAPITAL SERVICES LTD. reported a net loss of ₹0.12 Cr on revenue of ₹5.02 Cr.

Does DHRUVA CAPITAL SERVICES LTD. pay a dividend?

Not in the latest reported year — DHRUVA CAPITAL SERVICES LTD.'s dividend payout for FY26 was nil.

Is DHRUVA CAPITAL SERVICES LTD. expensive compared with its peers?

On trailing P/E, DHRUVA CAPITAL SERVICES LTD. ranks 152 of 200 in Non Banking Financial Company (NBFC) — cheaper than 24% of them, against an industry median of 18.1×. This is a position, not a valuation judgement.

How much does the DHRUVA CAPITAL SERVICES LTD. share price move in a day?

On a typical session DHRUVA CAPITAL SERVICES LTD. moves 1.99% — that is the median absolute close-to-close move across its last 256 trading days. MarketPing measures each filing's price reaction against it.

Where can I track DHRUVA CAPITAL SERVICES LTD.'s announcements?

Every NSE and BSE filing by DHRUVA CAPITAL SERVICES LTD. appears on this page, AI-summarised, alongside the price reaction that followed it. Follow the company to get each new filing on WhatsApp within minutes.

Figures are as last reported and may lag the latest filing. Not investment advice.