Nalin Lease Finance Ltd (NLFL) Share Price & Fundamentals

What we do

Nalin Lease Finance Ltd is a non-banking finance company offering gold loans, vehicle loans, business loans, leasing and hire purchase primarily in Gujarat, India.

Founded in

1,990

Market share

A regional player expanding within Gujarat districts, focusing on retail finance products, especially gold and vehicle loans.

Problem solved

Provides accessible financing solutions to individuals and businesses unable to secure loans from traditional banks.

Top clients or who we serve

Primarily serves retail customers and small businesses in Gujarat through B2C financing products.

Key management

Dilipkumar Gandhi (Managing Director) and Harsh Gandhi (Whole-time Director) lead the company with strong local expertise.

Our journey and innovations

Started with vehicle finance in Sabarkantha and expanded to multiple Gujarat districts since 2006-07; embraced tech like mobile KYC for customer convenience.

Where we operate

Operates mainly in Gujarat districts including Sabarkantha, Banaskantha, Mehasana, Kheda and Ahmedabad areas.

Top products or what we offer

Gold loans, vehicle loans, business loans, leasing and hire purchase services form the core offerings.

Top brands

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Raw materials needed

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Raw materials supplier

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Recurring vs cyclical contribution

Revenue largely recurring from loan interest and financing activities.

Our industry position

Established regional NBFC with steady growth, focusing on gold and vehicle loan segments in Gujarat.

Financial highlights

FY 2024-25 revenue at Rs 7.3 crore, net profit Rs 3.52 crore with slight YoY decline but stable profitability.

Geographical revenue split

Revenue predominantly from Gujarat region.

Order book

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Whats driving growth

Growth driven by increasing demand for accessible retail credit in gold and vehicle loan segments, and digital KYC adoption.

Our future plans

Plans to deepen penetration in existing districts and maintain steady loan portfolio growth.

Our green promise

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Our people and values

Professional board and management foster compliance, ethics, and customer-centric service culture.

Key challenges ahead

Competition from larger NBFCs and economic fluctuations affecting loan repayments.

Interesting facts

One of the regional NBFCs to implement mobile number validation to improve customer service and loan tracking.

Risks and strategy

Risk from credit defaults managed via robust credit assessment and periodic risk monitoring.