What we do Esaar (India) Limited is an NBFC providing diverse asset finance solutions including home, gold, business, and MSME loans primarily serving underserved markets in India. |
Founded in 1,951 |
Market share Positioned as a niche player in asset and business financing with focus on underserved segments; part of integrated financial services group. |
Problem solved Addresses credit gaps for individuals and SMEs by offering customized loans across sectors such as agriculture, business, and housing. |
Top clients or who we serve Serves retail consumers, SMEs, microfinance clients, agriculture sector, and corporate borrowers in India (B2B and B2C). |
Key management - |
Our journey and innovations Established in 1951, evolved from share trading to diversified financial services, innovating in customized credit underwriting models and flexible financing. |
Where we operate Operates mainly across Indian markets focusing on retail and SME clients. |
Top products or what we offer Home Loans, Gold Loans, Business and MSME Loans, Agriculture Loans, Developer and Construction Finance, Capital Market Finance, and unsecured business loans. |
Top brands - |
Raw materials needed - |
Raw materials supplier - |
Recurring vs cyclical contribution Primarily recurring revenue through loan interest and financial services. |
Our industry position Niche NBFC with diversified loan portfolio primarily catering to underserved credit markets in India. |
Financial highlights FY 2024-25 revenue approx Rs. 14.77 Cr; reported net loss of Rs. 2.24 Cr amid growing loan book and investments. |
Geographical revenue split Revenue primarily generated from Indian domestic operations. |
Order book - |
Whats driving growth Growth driven by rising credit demand in underserved segments, innovative loan products, and expanding MSME financing. |
Our future plans Focus on expanding loan portfolio, enhancing customized financial solutions, and strengthening risk management. |
Our green promise - |
Our people and values Governed by committed leadership with focus on ethical standards, compliance, and customer-centric culture. |
Key challenges ahead Managing credit risks, regulatory compliance, and sustaining profitability in competitive NBFC sector. |
Interesting facts One of the longstanding NBFCs established in 1951 with diversified financial services including agriculture and capital market finance. |
Risks and strategy Credit risk mitigation through customized underwriting; strategy includes portfolio diversification and operational controls. |
