What we do Golden Legand Leasing & Finance Ltd is an RBI-registered NBFC specializing in AI-enabled payment gateway services and digital lending platforms for MSMEs and consumers. |
Founded in 1,984 |
Market share Emerging fintech NBFC with growing presence in digital payments and lending in India’s MSME sector. |
Problem solved Enables seamless digital payment processing and access to secured/unsecured digital lending solutions for small businesses and consumers. |
Top clients or who we serve Small businesses, online merchants, fintechs, e-commerce platforms, and retail consumers. Primarily B2B and B2C segments. |
Key management Divya Singh Kushwaha (Managing Director & Chairman) |
Our journey and innovations Transformed from traditional lending NBFC to fintech firm with AI-based payment gateways, cloud platforms and upcoming lending apps since 2018. |
Where we operate India with focus on domestic digital financial ecosystem, especially MSMEs and online merchants. |
Top products or what we offer India Online Pay (payment gateway), Ashapurti Loans (secured/unsecured lending), Bade Bhaisab (personal finance). |
Top brands India Online Pay - flagship payment platform; Ashapurti Loans and Bade Bhaisab - upcoming lending platforms. |
Raw materials needed - |
Raw materials supplier - |
Recurring vs cyclical contribution Revenue mainly from recurring service charges on payment transactions; lending platforms to add future streams. |
Our industry position Base-layer NBFC within digital payments and fintech lending space, with growing transaction volumes and tech capabilities. |
Financial highlights FY 2024-25 Revenue Rs 9.34 Cr; Loss of Rs 2.20 Cr; EBITDA positive; invested heavily in tech and platform expansion. |
Geographical revenue split Primarily India-focused revenue; no foreign exchange earnings reported. |
Order book - |
Whats driving growth Rising digital payments adoption among small merchants, and launch of AI-based lending platforms to tap consumer finance. |
Our future plans Expand India Online Pay platform, launch Ashapurti Loans and Bade Bhaisab fintech lending apps, invest in AI and compliance. |
Our green promise - |
Our people and values Committed workforce driving digital transformation; culture focused on innovation, governance and responsible finance. |
Key challenges ahead Profitability improvement, regulatory compliance, scaling digital lending safely, and competitive fintech market. |
Interesting facts Company re-listed on BSE in Jan 2025 after management change in 2018 and fintech pivot. |
Risks and strategy Risks include technology adoption and credit risk; mitigated via AI-driven underwriting, compliance and diversified platforms. |
