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TruCap Finance (TRU)₹4.26−0.23%Non Banking Financial Company (NBFC)
In the Sep 2026 quarter (consolidated), TruCap Finance reported revenue of ₹11.97 Cr, down 47.9% from Sep 2025, and net profit of −₹12.03 Cr. For the year to Mar 2026, revenue were ₹82.77 Cr and net profit −₹113 Cr.
Company filings, consolidated accounts; latest reported quarter Sep 2026
| Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 | Jun 2026 | Sep 2026 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 39.92 | 40.92 | 51.89 | 57.86 | 51.91 | 34.93 | 29.94 | 22.96 | 14.96 | 14.96 | 10.97 | 11.97 |
| Interest | 21.01 | 23.03 | 26.01 | 27.03 | 25.04 | 21.03 | 20.04 | 20.04 | 14.01 | 21.03 | 4.01 | 10.01 |
| Net interest income | 18.91 | 17.89 | 25.88 | 30.83 | 26.87 | 13.90 | 9.90 | 2.92 | 0.95 | −6.07 | 6.96 | 1.96 |
| Expenses | 22.09 | 24.07 | 22.06 | 26.09 | 25.06 | 71.26 | 36.12 | 48.18 | 52.18 | 19.05 | 20.05 | 15.05 |
| Financing Profit | −2.99 | −4.98 | 3.98 | 3.99 | 1.99 | −55.83 | −25.92 | −44.86 | −50.80 | −24.92 | −12.96 | −12.95 |
| Financing Margin % | −7.0% | −12.0% | 7.0% | 7.0% | 4.0% | −159.0% | −86.0% | −199.0% | −340.1% | −174.1% | −119.0% | −103.1% |
| Other Income | 9.03 | 12.05 | 0.00 | 1.01 | 1.01 | 1.01 | 12.03 | 2.01 | 1.01 | 1.01 | 1.01 | 1.01 |
| Depreciation | 3.01 | 2.01 | 2.01 | 2.01 | 2.01 | 21.08 | 2.01 | 2.01 | 2.01 | 2.01 | 2.01 | 2.01 |
| Profit before tax | 3.01 | 4.01 | 2.01 | 3.01 | 1.01 | −76.20 | −16.04 | −46.13 | −52.11 | −26.04 | −14.04 | −13.03 |
| Tax % | 13.0% | −39.0% | 35.0% | 61.0% | −24.9% | −11.0% | −42.0% | −28.0% | −19.0% | −27.0% | −25.0% | −14.0% |
| Net Profit | 3.01 | 6.02 | 1.01 | 1.01 | 1.01 | −68.19 | −9.03 | −33.11 | −42.11 | −19.06 | −11.04 | −12.03 |
| EPS (Rs) | 0.25 | 0.50 | 0.11 | 0.10 | 0.09 | −5.81 | −0.78 | −2.78 | −3.58 | −1.62 | −0.90 | −0.98 |
| Gross NPA % | — | — | 1.4% | 2.6% | — | — | — | 6.6% | — | — | 49.9% | 53.8% |
| Net NPA % | — | — | 0.9% | 1.9% | — | — | — | 4.0% | — | — | 31.5% | 34.2% |
| Provision coverage (approx., excl. write-offs) % | — | — | 36.6% | 27.8% | — | — | — | 39.8% | — | — | 36.9% | 36.4% |
| Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | TTM | |
|---|---|---|---|---|---|---|---|---|---|
| Revenue | 18.95 | 18.96 | 29.93 | 75.84 | 123 | 162 | 197 | 82.77 | 52.86 |
| Interest | 5.01 | 2.01 | 4.01 | 24.03 | 51.05 | 79.09 | 99.15 | 75.12 | 49.06 |
| Net interest income | 13.94 | 16.95 | 25.92 | 51.81 | 71.62 | 82.61 | 97.46 | 7.65 | 3.80 |
| Expenses | 12.03 | 12.04 | 22.06 | 40.11 | 63.23 | 83.25 | 145 | 151 | 106 |
| Financing Profit | 1.99 | 5.98 | 3.99 | 11.95 | 9.97 | 0.00 | −45.86 | −143 | −102 |
| Financing Margin % | 12.0% | 31.0% | 12.0% | 15.0% | 8.0% | 0.0% | −24.0% | −173.1% | −192.3% |
| Other Income | 0.00 | 0.00 | 0.00 | 0.00 | 1.01 | 21.08 | 3.01 | −2.01 | 4.04 |
| Depreciation | 0.00 | 0.00 | 1.01 | 5.02 | 8.03 | 9.04 | 28.11 | 8.03 | 8.04 |
| Profit before tax | 2.01 | 6.01 | 3.01 | 7.02 | 2.01 | 11.02 | −71.18 | −152 | −105 |
| Tax % | 12.1% | 27.0% | 53.0% | 45.0% | 74.1% | 4.0% | −17.0% | −26.0% | — |
| Exceptional items | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | −5.02 | — |
| Net Profit | 2.01 | 4.01 | 1.01 | 4.01 | 1.01 | 11.04 | −59.16 | −113 | −84.24 |
| EPS (Rs) | 0.33 | 0.61 | 0.18 | 0.46 | 0.06 | 0.95 | −5.09 | −9.51 | −7.08 |
| Dividend payout % | 15.9% | 3.0% | 6.0% | 2.0% | 17.9% | 1.0% | 0.0% | 0.0% | — |
| Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|---|---|---|---|---|
| Equity Capital | 13.99 | 13.99 | 14.99 | 18.00 | 23.00 | 22.99 | 22.98 | 23.98 |
| Reserves | 12.99 | 17.97 | 84.85 | 154 | 193 | 189 | 139 | 26.94 |
| Borrowings | 25.06 | 16.04 | 81.27 | 287 | 444 | 686 | 521 | 331 |
| Other Liabilities | 2.00 | 1.99 | 5.97 | 12.95 | 12.93 | 22.88 | 16.92 | 8.97 |
| Total Liabilities | 54.04 | 47.99 | 186 | 472 | 671 | 921 | 699 | 392 |
| Fixed Assets | 0.99 | 2.99 | 10.97 | 22.92 | 23.91 | 30.88 | 21.93 | 8.97 |
| CWIP | 1.01 | 0.00 | 4.01 | 24.10 | 29.08 | 23.09 | 4.01 | 4.01 |
| Investments | 0.00 | 0.99 | 10.99 | 25.97 | 48.93 | 27.97 | 30.99 | 26.98 |
| Other Assets | 52.04 | 44.01 | 160 | 399 | 570 | 839 | 642 | 352 |
| Trade receivables | 0.00 | 1.01 | 6.02 | 16.04 | 39.11 | 74.16 | 42.10 | 15.02 |
| Cash & equivalents | 3.99 | 2.99 | 47.92 | 78.78 | 87.73 | 133 | 99.75 | 17.96 |
| Total Assets | 54.04 | 47.99 | 186 | 472 | 671 | 921 | 699 | 392 |
| Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|---|---|---|---|---|
| Cash from operating activity | 2.01 | 13.03 | −80.20 | −185 | −151 | −212 | 212 | 130 |
| Cash from investing activity | 1.99 | −3.99 | −33.92 | −72.74 | −65.76 | 29.90 | −27.94 | 54.84 |
| Cash from financing activity | −3.01 | −11.03 | 146 | 285 | 198 | 246 | −247 | −217 |
| Net cash flow | 0.99 | −1.99 | 30.89 | 25.91 | −20.94 | 62.78 | −61.82 | −30.90 |
| Capex | 0.99 | 1.99 | 12.95 | 35.87 | 13.96 | 9.96 | 0.00 | 0.00 |
| Free cash flow | 1.01 | 12.01 | −92.08 | −221 | −165 | −222 | 211 | 130 |
| Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|---|---|---|---|---|
| ROE % | 8.0% | 14.0% | 2.0% | 3.0% | 0.0% | 5.0% | −32.0% | −101.0% |
For the Sep 2026 quarter, TruCap Finance reported revenue of ₹11.97 Cr, down 47.9% year on year and net profit of −₹12.03 Cr.
TruCap Finance's revenue for the year to Mar 2026 were ₹82.77 Cr; over the last twelve months they were ₹52.86 Cr.
Net profit for the year to Mar 2026 was −₹113 Cr, and −₹84.24 Cr over the last twelve months. Earnings per share over the same trailing period were ₹−7.08.
Cash from operations was ₹130 Cr in the year to Mar 2026; after capital spending, free cash flow was ₹130 Cr.