What we do Ramchandra Leasing and Finance Limited (RLFL) is a non-banking financial company providing hire purchase, bill discounting, investments, and loans, driven by digital lending technologies. |
Founded in 1,993 |
Market share A niche player in digital lending and financial services in India with stable operations. |
Problem solved Bridging credit access gaps for retail and corporate clients via instant small personal loans. |
Top clients or who we serve Serves individual borrowers and corporate clients mainly in India; operates as a B2B and B2C lender. |
Key management - |
Our journey and innovations Founded in 1993; transitioned from private to public limited company; has embraced digital analytics for credit evaluation. |
Where we operate Primarily India, with focus in Gujarat and other Indian regions. |
Top products or what we offer Hire purchase financing, bill discounting, secured and unsecured loans, inter-corporate deposits. |
Top brands - |
Raw materials needed - |
Raw materials supplier - |
Recurring vs cyclical contribution Revenue is primarily recurring from interest and lending services. |
Our industry position Well-complied NBFC with a stable financial position and consistent profit generation. |
Financial highlights FY 2024-25 revenue was Rs. 37.64 lakhs with net profit of Rs. 1.50 lakhs, reflecting a slight decline from previous year. |
Geographical revenue split Revenue is generated solely from Indian markets. |
Order book - |
Whats driving growth Growth driven by advanced analytics, digital lending platform, and expanding lending portfolio. |
Our future plans Focus on sustainable growth, strengthening operations, and executing preferential share issuance to enhance management. |
Our green promise - |
Our people and values Committed to solid governance, transparency, and employee welfare with anti-harassment policies. |
Key challenges ahead Sustaining growth amid competitive NBFC sector and regulatory compliance challenges. |
Interesting facts Initiated public equity in 2006; embracing technology-driven credit assessment early among NBFCs. |
Risks and strategy Mitigates operational and credit risks via strict credit policies and internal financial controls. |
