Company Overview

DhanSafal Finserve Limited (formerly known as Luharuka Media & Infra 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 is strategically positioned between the organized banking sector and local money lenders.

Board of Directors

  • Mr. Ankur Agrawal: Managing Director, holds CA, CFA, and ISB MBA qualifications.
  • Mrs. Apeksha Santosh Kadam: Non-Executive, Non-Independent Director, appointed in February 2021.
  • Mr. Harsh Kedia: Non-Executive, Independent Director, holds CA, CPA (USA), MBA, M.Com, and DISA qualifications.
  • Mr. P. N. Raghunath: Non-Executive, Independent Director, retired Chief General Manager of RBI with over three decades of experience in banking supervision and financial regulation.

Key Management Team

  • Mr. Bobby Singh Chandel: Chief Executive Officer, seasoned banking professional with expertise in retail lending and operations.
  • Mr. Shailendra Kumar Gupta: Chief Operating Officer, 23+ years in banking and finance, holds MBA and Executive MBA from IIM Lucknow.
  • Mr. Pravin Gupta: Chief Financial Officer, finance and broking professional.
  • Ms. Nishi Shah: Company Secretary & Compliance Officer, Associate Member of ICSI with degrees in Commerce and Law.

Product Portfolio

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

Financial Performance (Q1 FY26 vs Q1 FY25)

  • AUM: Increased from ₹5,495 lakh (June 2025) to ₹8,761 lakh (June 2026), representing 59% year-on-year growth.
  • Revenue from Operations: Increased from ₹231 lakh to ₹374 lakh, representing 62% year-on-year growth.
  • EBITDA: Increased from ₹42 lakh to ₹185 lakh, representing 343% year-on-year growth.
  • PAT: Increased from ₹15 lakh to ₹58 lakh, representing 287% year-on-year growth.

Business Operations & Strategy

The company is actively scaling its co-lending ecosystem through strategic partnerships with multiple financial institutions to enhance reach and optimize capital deployment.

Future Outlook & Strategic Initiatives

  • Diversified Liability Mix: Broadening borrowing sources across NCDs and term loans.
  • Women-Led & Rural MSME Focus: Designing targeted loan products for women entrepreneurs and rural micro-enterprises.
  • Digital Lending & Smart Underwriting: Enhancing mobile-first onboarding with digital KYC and data-driven underwriting.
  • Short-Tenure Loan Products: Introducing short-tenure loans to address evolving customer needs.
  • Accelerated Geographic Penetration: Deepening presence in Tier 2 and Tier 3 cities.
  • Co-lending & Institutional Tie-ups: Partnering with banks and larger NBFCs to co-originate loans.

Risk Factors Disclosure

The document contains forward-looking statements subject to known and unknown risks including fluctuations in earnings, ability to manage growth, regulatory changes, competitive pressures, interest rate volatility, economic conditions affecting credit demand, challenges in attracting skilled professionals, operational and compliance requirements, securing planned financing, and evolving government policies.

Additional Information

The investor presentation is available on the company's website at www.dhansafal.com. The document includes a standard disclaimer noting that forward-looking statements are not assurances of future performance and third-party projections have not been independently verified.