Company Overview

Comfort Fincap Limited is a non-deposit taking Non-Banking Financial Company (NBFC-ND) registered with the RBI and classified as an NBFC-Investment and Credit Company (NBFC-ICC). The company bridges the gap between traditional banking and local money lenders by offering flexible lending options including loans secured by securities (shares, mutual funds, promoter funding), Consumer Durable Loans, and supply chain financing options like bill discounting.

Financial Performance Q2 FY27

Income from Operations: Increased from ₹758.40 lakhs in Q2 FY26 (quarter ended September 30, 2025) to ₹898.87 lakhs in Q2 FY27 (quarter ended September 30, 2026), representing 18.52% year-on-year growth.

Profit Before Tax (PBT): Increased from ₹522.03 lakhs in Q2 FY26 to ₹550.21 lakhs in Q2 FY27, representing 5.40% year-on-year growth.

Core Business Offerings

The company's lending products include:

  • Loans Against Securities: Allows customers to access funds without selling investments while retaining ownership
  • Consumer Durable Loans: Financing for mobile phones and laptops with quick, easy financing
  • Promoter Funding: Leveraging shareholdings for instant liquidity while retaining company ownership and control

Technology and Digital Transformation

The company is integrating technology into lending processes to improve efficiency, turnaround times, and transparency. Key technology initiatives include:

  • Accelerated disbursement through real-time processing
  • Smarter credit evaluation using advanced credit models
  • Frictionless customer onboarding with digital KYC and streamlined processes
  • Instant credit decisioning powered by BRE-based rules engine enabling sub-60-second approvals
  • AI-driven credit decisioning for smarter, personalized approvals (planned)

Future Outlook and Expansion Plans

Consumer Durable Loan Business:

  • The digital Consumer Durable Loan for mobile financing is now live with 300+ merchants onboarded and 2000+ applications processed
  • Plan to penetrate Tier 2 & 3 markets where access to branded consumer electronics financing is limited
  • Expand product reach beyond mobile phones into laptops, tablets, and wearables
  • Build partnerships with leading online marketplaces (Flipkart, Amazon) and offline retail chains
  • Target 3× growth in Consumer Durable AUM within 18 months
  • Convert first-time CDL borrowers into multi-product customers through cross-selling including Loans Against Securities

Loan Against Securities & Mutual Funds Platform (Coming Up):

  • Developing investor-focused LAS platform to enable investors to unlock liquidity from portfolios without liquidating wealth
  • Building strategic funding lines with banks and NBFCs to power scalable secured lending portfolio
  • Engineering fully digital workflow covering pledge creation, lien marking, sanction, and disbursement
  • Integrating directly with MF, CDSL and NSDL for seamless, paperless processing
  • Building real-time LTV monitoring engine with automated margin call triggers and top-up request workflows
  • Offering industry's largest approved stock and mutual fund lists for broader investment access

Board of Directors & Key Management Team

  • Mr. Ankur Agrawal - Chairperson & Executive Director
  • Mr. Sanjeev Kumar Pandey - Non-Executive Independent Director
  • Mr. Sanjiv Swarup - Non-Executive Independent Director
  • Mr. Milin Jagdish Ramani - Non-Executive Independent Director
  • Mrs. Nirmala Kanjar - Non Executive Non Independent Director & Chief Financial Officer
  • Mr. Bharat Nanubhai Shiroya - Chief Executive Officer
  • Ms. Sneha Mandelia - Company Secretary & Compliance Officer

Risk Factors Disclosure

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