Company Overview

DhanSafal Finserve Limited is a listed NBFC registered with the Reserve Bank of India. The company offers retail financial services with a growing focus on MSME lending, including loans against property for business expansion and working capital. The company positions itself between the organized banking sector and local money lenders, providing accessible credit solutions.

Leadership Team

Board of Directors:

  • Mr. Ankur Agrawal, Managing Director (DIN: 06408167)
  • Mrs. Apeksha Kadam, Non-Executive, Non-Independent Director (appointed February 2021)
  • Mr. Harsh Kedia, Non-Executive, Independent Director
  • Mr. P. N. Raghunath, Non-Executive, Independent Director (retired Chief General Manager of RBI)

Key Management Personnel:

  • Mr. Bobby Singh Chandel, Chief Executive Officer
  • Mr. Shailendra Kumar Gupta, Chief Operating Officer
  • Mr. Pravin Gupta, Chief Financial Officer
  • Ms. Nishi Shah, Company Secretary & Compliance Officer

Product Portfolio

The company offers three main loan products:

  • Safal Udyog Loans: Flexible financing for short-term capital needs
  • Safal Sampati Loans: Loan Against Property (LAP) solutions for business expansion
  • Safal MSME Loans: Tailored products for Small and Medium Enterprises

Financial and Operational Performance

FY 2025-26 Highlights:

  • Profit After Tax (PAT) increased by 97% from ₹37 lakh to ₹73 lakh
  • Portfolio Outstanding (POS) increased by 89% from ₹4,358 lakh to ₹8,249 lakh

Geographic Presence:

  • 9 branches across 4 states: Maharashtra, Madhya Pradesh, Rajasthan, and Uttar Pradesh

Business Strategy:

  • Actively scaling co-lending ecosystem through strategic partnerships with multiple financial institutions
  • Focus on enhancing reach, optimizing capital deployment, and strengthening presence in MSME lending markets

Future Outlook

The company outlined six strategic focus areas for future growth:

1. Accelerated Geographic Penetration: Deepening presence in Tier 2 and Tier 3 cities

2. Co-lending & Institutional Tie-ups: Partnering with banks and larger NBFCs to co-originate loans

3. Digital Lending & Smart Underwriting: Enhancing mobile-first onboarding with digital KYC and data-driven underwriting

4. Short-Tenure Loan Products: Introducing products to address evolving customer financing needs

5. Diversified Liability Mix: Broadening borrowing sources across NCDs and term loans

6. Women-Led & Rural MSME Focus: Designing targeted loan products for women entrepreneurs and rural micro-enterprises

Risk Factors

The disclosure includes standard forward-looking statement disclaimers noting that actual results may differ due to:

  • Fluctuations in earnings
  • Ability to manage growth effectively
  • Regulatory changes in financial and infrastructure sectors
  • Competitive pressures
  • Interest rate volatility
  • Overall economic conditions affecting credit demand
  • Challenges in attracting and retaining skilled professionals
  • Operational and compliance requirements
  • Securing planned financing
  • Evolving government policies