Financial Performance Highlights
Year-over-Year Comparison (FY 2025-26 vs FY 2024-25)
- Assets Under Management (AUM): Increased from ₹43.36 crore to ₹82.49 crore, representing 90% growth
- Revenue from Operations: Increased from ₹4.86 crore to ₹12.23 crore, representing 152% growth
- Net Worth: Increased from ₹53.53 crore to ₹66.47 crore, representing 24% growth
Operational Highlights
Geographic Expansion
The Company expanded its operational footprint from 2 states (Maharashtra and Madhya Pradesh) with 3 locations (Mumbai, Pune, Indore) to 4 states with the addition of Uttar Pradesh and Rajasthan, now operating across 6 strategic locations: Nagpur, Nanded, Udaipur, Pithampur, Jaipur, and Agra.
Business Focus
The Company serves a growing base of active customers predominantly from the MSME and retail self-employed segments, with a strong focus on secured Loans Against Property (LAP) for business expansion and working capital requirements.
Co-lending Strategy
The Company is actively scaling its co-lending ecosystem through strategic partnerships with multiple financial institutions to enhance reach, optimize capital deployment, and strengthen presence across emerging MSME lending markets.
Strategic Growth Pillars
The management has identified six key strategic pillars for future growth:
1. Scale - Accelerated Geographic Penetration: Deepening presence in Tier 2 and Tier 3 cities where formal credit access remains limited and demand is underserved
2. Segment - Co-lending & Institutional Tie-ups: Partnering with banks and larger NBFCs to co-originate loans, unlocking higher disbursement capacity with lower capital risk
3. Tech - Digital Lending & Smart Underwriting: Enhancing mobile-first onboarding with digital KYC and data-driven underwriting to enable faster approvals, improve first-time borrower access, and strengthen credit quality through smarter risk assessment
4. Product - Short-Tenure Loan Launch: Introducing short-tenure loan products to address evolving customer financing needs and drive higher credit accessibility
5. Funding - Diversified Liability Mix: Broadening borrowing sources across NCDs and Term Loans to reduce cost of funds and duration mismatch
6. ESG - Women-Led & Rural MSME Focus: Designing targeted loan products for women entrepreneurs and rural micro-enterprises to drive inclusive credit growth
Company Background
DhanSafal Finserve Limited (formerly known as "Luharuka Media & Infra Limited") is a listed NBFC registered with the Reserve Bank of India. The Company provides retail financial services with a strong focus on MSME lending, including Loans Against Property for business expansion and working capital requirements.
The Company is positioned strategically between organized banks and informal lenders, offering accessible, flexible, and customer-centric credit solutions across diverse borrower segments. The Company leverages ethical practices, innovative digital platforms, and a customer-first approach to bridge the gap between formal banking and underserved communities.