What we do TruCap Finance Limited is an RBI-registered non-banking financial company focused on lending to underserved MSMEs, offering gold-backed loans, unsecured business loans, and insurance products. |
Founded in 1,994 |
Market share Significant player in MSME lending with wide branch network across Tier 2-4 cities in India. |
Problem solved Provides timely and affordable credit access to India's large underbanked MSME segment enabling financial inclusion. |
Top clients or who we serve Underserved MSME borrowers in India; B2B lending and retail gold loan customers. |
Key management Mr. Rohanjeet Singh Juneja, Managing Director & CEO, leading strategic growth. |
Our journey and innovations Founded as Dhanvarsha Finvest in 1994, renamed TruCap in 2022; expanded via subsidiaries and digital lending; obtained IRDAI agent license in 2024. |
Where we operate Primarily across India with 122 branches, focused on northern and western regions including Maharashtra, Gujarat, MP, Delhi NCR. |
Top products or what we offer Gold-backed loans, unsecured MSME business loans, insurance product distribution, digital lending solutions. |
Top brands Not specifically branded products; key offerings include Gold Loans, MSME Business Loans, and Green Energy Finance. |
Raw materials needed - |
Raw materials supplier - |
Recurring vs cyclical contribution Revenue primarily from interest on loans; recurring through lending operations and insurance commissions. |
Our industry position Emerging NBFC with strong presence in MSME segment and co-lending partnerships with leading banks. |
Financial highlights FY25 consolidated revenue approx ₹199.6 crores; net loss ₹59.25 crores due to provisioning and operational costs. |
Geographical revenue split Revenue generated entirely from India. |
Order book - |
Whats driving growth Growth driven by expanding MSME credit demand, co-lending models, insurance product sales, and branch network expansion. |
Our future plans Strategic partnership with Marwadi Chandarana Group for capital infusion; focus on profitability improvement and capital efficiency. |
Our green promise - |
Our people and values Diverse leadership with focus on financial inclusion and ethical practices; employee stock option plans in place. |
Key challenges ahead Asset quality stress, increased operating costs, regulatory compliance, and managing liquidity due to debt servicing pressures. |
Interesting facts Operates under legacy Wilson Group; transitioned to 'TruCap' brand in 2022; obtained corporate agent license under IRDAI in 2024. |
Risks and strategy Facing credit and liquidity risks mitigated via risk management framework, provisioning, and exploring new capital raising avenues. |
