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Companies›Financial Services›Financial Services›Finance
NSE:TFL

TRANSWARRANTY FIN. LTD.

Financial Services › Finance
₹11.22
at close · 28 Oct 2026
▼ 0.25 (-2.18%)

Latest filings

Next results: Thu, 29 Oct · Financial Results
  1. Board meeting set for September results and fundraising plans · Results
  2. Board approves NCD private placement up to Rs 10 Crore · Fund Raising
  3. Board meeting on Oct 9 to consider Unlisted NCD issuance · Fund Raising
All filings ↓
Ask Nexa about TRANSWARRANTY FIN. LTD.

Snapshot

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

AI · written from filings

Operates as an NBFC focused on digital lending through its Oroboro platform, offering smartphone finance and MSME loans to borrowers in Tier 2 and Tier 3 cities. In FY26, total disbursements reached Rs 36.51 crore across 22,323 loans to around 70,000 borrowers, with the year-end AUM at Rs 19.17 crore. Asset quality metrics were GNPA of 2.88% and NNPA of 0% with 100% provisioning, while credit costs fell to 3.47% from 7.64%. Despite positive operating cash flow of Rs 1,500.33 lakh standalone, the company posted a standalone net loss of Rs 204.53 lakh and a consolidated loss of Rs 442.24 lakh for FY26, with an accumulated net deficit of Rs 2,111.82 lakh. Funding plans include a Rs 15 crore IDFC First Bank facility raised in Q4 FY26, NCD issuance up to Rs 7.28 crore, and a broader Rs 50 crore fundraise. Vertex Securities and Vertex Commodities were deconsolidated after voting rights in Vertex Securities fell to 42.43%.

Operating scale
Q4 FY26 disbursements
Rs 15.65 crore across 9,226 loansQ4 FY26
Q4 FY26 Net Interest Income
Rs 2.02 crore (up 99% YoY)Q4 FY26
Credit cost
3.47% (down from 7.64%)FY26
GNPA
2.88% (down from 3.72%)FY26
NNPA
0% with 100% provisioningFY26
IDFC First Bank facility raised in Q4
Rs 15 crore for onward lendingQ4 FY26
Who pays it
Retail borrowers in Tier 2 and Tier 3 cities seeking smartphone finance and MSME loans
Biggest cost
Employee costs at 39.1% of revenue in FY26
Kind of business
Small digital-lending NBFC, loss-making with accumulated deficit, recently pivoted from wholesale to retail digital loans
Where it sits
Listed NBFC operating in Tier 2-3 city segments via Oroboro digital platform; previously had securities brokerage exposure through Vertex Securities (now 42.43% associate)
Market Cap
₹62 Cr
P / E (TTM)
—
EV / EBITDA
—
Div Yield
—
Growth
0.2%▲
Revenue 5y CAGR
PAT — · EBITDA —
Quality
—·
ROCE (FY26)
ROE -15.4% (5y median) · margin -5.1%
Leverage
—·
Debt / Equity · not read for a lender
Revenue FY21→FY26
1.0×▲
Margin −11.0 pts
₹14 Cr → ₹14 Cr
Moves on a normal day
1.75%·
Median daily move
Last 267 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/B#188/253
ROE#242/257
EBITDA margin#135/249
Revenue growth#183/231
Profit growth#68/251

Scorecard

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

Strengths
Nothing stands out in the filed numbers.
Concerns
Slow revenue growth — 0% a year over 5 years

Charts

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

TFL · 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 TRANSWARRANTY FIN. LTD.'s filed financials and exchange disclosures

What does TRANSWARRANTY FIN. LTD. do?

TRANSWARRANTY FIN. LTD. is a Finance company listed on NSE and BSE, trading under the symbol TFL.

Is TRANSWARRANTY FIN. LTD. profitable?

No. Over the trailing twelve months TRANSWARRANTY FIN. LTD. reported a net loss of ₹3.69 Cr on revenue of ₹13 Cr.

Does TRANSWARRANTY FIN. LTD. pay a dividend?

Not in the latest reported year — TRANSWARRANTY FIN. LTD.'s dividend payout for FY26 was nil.

How much does the TRANSWARRANTY FIN. LTD. share price move in a day?

On a typical session TRANSWARRANTY FIN. LTD. moves 1.75% — that is the median absolute close-to-close move across its last 267 trading days. MarketPing measures each filing's price reaction against it.

When are TRANSWARRANTY FIN. LTD.'s next results?

Financial Results on Thu, 29 Oct. MarketPing alerts you on WhatsApp the moment the filing lands.

Where can I track TRANSWARRANTY FIN. LTD.'s announcements?

Every NSE and BSE filing by TRANSWARRANTY FIN. 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.