Financial Performance Highlights

Full Year FY2025-26 (Audited Standalone)

  • Total Income: ₹12.13 Crores, representing 30-times increase over ₹0.4 Crores in FY2024-25
  • Profit After Tax (PAT): ₹3.24 Crores
  • PAT Margin: 26.7%
  • Total Assets: ₹43.96 Crores
  • Return on Assets (ROA): 7.4% (computed on closing balance sheet figures)
  • Return on Equity (ROE): 11.0% (computed on closing balance sheet figures)
  • Debt/Equity Ratio: 0.10x
  • Basic EPS: ₹0.40
  • Book Value per Share: ₹3.61

Q4 FY2025-26 Performance

  • Revenue: ₹9.69 Crores (80% of full-year performance)
  • PAT: ₹2.63 Crores (81% of full-year performance)
  • PAT Margin: 27.1%

FastSalary Digital Lending Platform Performance

  • Cumulative Disbursements: Exceeded ₹35 Crores in first year of operations
  • Customers Served: Over 9,000 customers onboarded
  • Outstanding Loan Book: ₹24.87 Crores, representing 36x growth from ₹0.69 Crores in FY2024-25
  • Interest Income: ₹8.60 Crores (21.5x growth from ₹0.40 Crores in FY2024-25)
  • Fee & Commission Income: ₹3.46 Crores (new income stream)

Capital Structure and Financing

  • Capital Raised in FY26: ₹23.17 Crores through financing activities
  • Equity: ₹6.79 Crores
  • Other Equity Instruments: ₹13.68 Crores
  • Borrowings: ₹2.70 Crores
  • Paid-up Equity Capital: Expanded from ₹5.12 Crores to ₹8.12 Crores during the year through preferential allotments
  • Total Equity: ₹29.34 Crores
  • Total Borrowings: ₹3.01 Crores
  • Cash & Equivalents: ₹3.30 Crores (226x growth from ₹0.02 Crores in FY2024-25)

Technology Investment

  • Intangible Assets: ₹0.26 Crores investment in technology
  • Capital Work in Progress (CWIP): ₹0.76 Crores in technology infrastructure

Company Background

Raama Finance Limited (BSE: 538540 | CIN: L65910GJ1993PLC018912) is an RBI-registered Non-Banking Financial Company (Reg. No. 01.00109), incorporated in 1993. The company has its Corporate Office in Noida, Uttar Pradesh and Registered Office in Vadodara, Gujarat. The company is engaged in leasing, hire purchase, secured and unsecured lending, and digital lending through its platform FastSalary (www.fastsalary.com).

Forward-Looking Statements

Management indicates the company is well-positioned for accelerated growth in FY2026-27, prioritizing disciplined loan book expansion, customer base deepening, geographic diversification, and continued technology investment to drive down cost-to-serve. Focus remains on sustained improvement in ROA, ROE, and EPS as operating leverage compounds through scale.