What we do Sera Investments & Finance India Ltd is a Reserve Bank of India-registered Non-Banking Financial Company offering loans, capital advisory, and online financial services, serving MSMEs and individual clients in India. |
Founded in 1,985 |
Market share Competes effectively against informal lenders and pawnbrokers in the Indian NBFC sector with expanding financial services. |
Problem solved Streamlines credit access for MSMEs and individuals by providing quick unsecured loans, overcoming traditional banking hurdles. |
Top clients or who we serve Micro, Small and Medium Enterprises (MSMEs), retail borrowers seeking unsecured and loan against securities products; operates in B2B and B2C modes. |
Key management Mrs. Shweta Samir Shah (Managing Director), Mr. Sagar Samir Shah (Whole-Time Director), with a board comprising experienced promoters and independent directors. |
Our journey and innovations Incorporated in 1985, rebranded in 2022, diversified from steel business to NBFC and digital finance solutions; launched subsidiaries to expand financial services. |
Where we operate Primarily operates across India, focusing on domestic financial lending and investment advisory markets. |
Top products or what we offer Unsecured loans to MSMEs, loan against securities (shares, insurance policies, mutual funds), capital advisory, and digital lending platforms. |
Top brands Sera Investments & Finance India Ltd - a recognized brand in NBFC services with growing digital presence. |
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Raw materials supplier - |
Recurring vs cyclical contribution Revenue mainly from recurring lending interest and capital advisory services, with some cyclical impacts from the financial markets. |
Our industry position Established NBFC with a niche in unsecured MSME lending and capital advisory, steadily growing its market presence. |
Financial highlights FY 2024-25 revenue of approximately Rs. 116 crore; Net Profit Rs. 2.53 crore; managing profitability amid sector challenges. |
Geographical revenue split Revenue primarily from Indian operations; no significant international presence reported. |
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Whats driving growth Digital lending adoption, MSME credit demand, expansion of loan against securities products, and strategic subsidiary acquisitions. |
Our future plans Focus on digital growth, expand lending portfolio, optimize capital structure, and increase market penetration in Indian financial services. |
Our green promise - |
Our people and values Committed to professionalism, diversity, and ethical governance with robust compliance culture and employee engagement. |
Key challenges ahead Competitive NBFC landscape, regulatory compliance, market volatility, and ensuring sustainable credit growth. |
Interesting facts Rebranded in 2022 from Kapashi Commercial Limited; rapidly embraced India's digital financial ecosystem. |
Risks and strategy Navigates regulatory risks via compliance; counters credit risk through tailored lending; growth via digital innovation and diversification. |
