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Dhansafal Finserve

512048 BSE
₹2.59

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P/E
43.17
View as Markdown
MCP
Close 4 Nov 2026 ₹2.59 −1.46 −36.0% 1Y
Start ₹4.05

Key Fundamentals

MicrocapRealtyConsumer Discretionary

Price-based figures at the close · EPS basis: Standalone · TTM

Debt to Equity
0.33
EPS (TTM)
₹0.06
Book Value
₹2.77
Market Cap
—
P/E (TTM)
43.17
P/B
0.94
ROE
1.22%
Dividend Yield
0.75%
52W High
₹4.65
52W Low
₹1.91
ROCE
Not meaningful for a lender: the ratio describes an industrial company’s balance sheet
EBITDA
Not meaningful for a lender: the ratio describes an industrial company’s balance sheet

Tapetide Score

Data-driven rating, 0–100, as of . How it works →

Overall score

53 Average

Data confidence 94/100

Category scores

Quality
50
Average
Returns, margins, earnings quality 22% weight
Valuation
35
Poor
Cheap vs sector & own history 24% weight
Growth
95
Strong
Sales & profit trajectory 9% weight
Financial Health
37
Weak
Solvency, leverage, coverage 9% weight
Momentum
56
Good
Trend strength, vol-adjusted 12% weight
Ownership
64
Good
FII/DII/promoter flows 24% weight

The Tapetide Score is data analysis, not investment advice. Tapetide is not a SEBI-registered research analyst or investment adviser.

Key Insights

Strengths

3
  • Stock is trading at 0.90 times its book value
  • Promoter holding has increased by 2.26% over last quarter.
  • Company's working capital requirements have reduced from 477 days to 75.9 days

Weaknesses

3
  • Though the company is reporting repeated profits, it is not paying out dividend
  • Company has low interest coverage ratio.
  • Company has a low return on equity of 1.56% over last 3 years.

Technical Indicators

Technical signals: verdict and indicator counts
GroupSignalBearishNeutralBullish
OverallNeutral676
OscillatorsNeutral171
Moving AveragesNeutral505

Key readings

RSI (14)
49.81
Neutral
MACD (12,26,9)
0.03
Bearish
SMA (50)
2.52
Bullish
SMA (200)
2.58
Bullish

As of

Growth Rate

From the financial statements below. 10Y, 5Y, 3Y: compound annual growth to Mar 2026; 1Y: fiscal year to Mar 2026 against Mar 2025; TTM: four quarters to Jun 2026 against Jun 2025.

Revenue

Revenue growth by window
10Y+31.60%
5Y+59.69%
3Y+86.20%
1Y+142.41%
TTM+133.90%

Net profit

Net profit growth by window
10Y+13.82%
5Y+39.14%
3Y+2.90%
1Y+97.30%
TTMTurned to profit

Operating cash flow

Not meaningful

A bank's or NBFC's operating cash flow moves with deposits and loans, so its growth says little about the business.

Revenue by year

Revenue by year, ₹ crore
Mar 2017₹1.50 Cr
Mar 2018₹1.99 Cr
Mar 2019₹1.07 Cr
Mar 2020₹0.77 Cr
Mar 2021₹1.20 Cr
Mar 2022₹1.68 Cr
Mar 2023₹1.93 Cr
Mar 2024₹1.63 Cr
Mar 2025₹5.14 Cr
Mar 2026₹12.46 Cr

Net profit by year

Net profit by year, ₹ crore
Mar 2017₹0.68 Cr
Mar 2018₹0.42 Cr
Mar 2019₹0.27 Cr
Mar 2020−₹0.05 Cr
Mar 2021₹0.14 Cr
Mar 2022₹0.57 Cr
Mar 2023₹0.67 Cr
Mar 2024₹0.61 Cr
Mar 2025₹0.37 Cr
Mar 2026₹0.73 Cr

Quarterly Results

₹ Cr
512048 quarterly results, ₹ crore
Particulars Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026
Revenue
0.36
0.45
0.37
0.45
1.33
0.5
1.18
1.84
2.32
2.76
3.52
3.64
3.74
Expenses
0.15
0.15
0.18
0.26
0.5
1.01
1.45
1.23
1.96
2.34
2.34
2.01
2.03
Financing Profit
0.21
0.29
0.19
0.18
0.82
−0.52
−0.28
0.42
0.27
0
0.44
0.87
0.81
Fin. Margin %
58.33%
64.44%
51.35%
40%
61.65%
−104%
−23.73%
22.83%
11.64%
0%
12.5%
23.9%
21.66%
Other Income
0
0
0
0.02
0
0.09
0.19
0.02
0.06
0.14
0.03
0.04
0.14
Interest
0
0.01
0
0.01
0.01
0.01
0.01
0.19
0.09
0.42
0.74
0.76
0.9
Depreciation
0
0
0
0
0
0
0.01
0.16
0.15
0.21
0.21
0.21
0.17
PBT
0.21
0.29
0.19
0.2
0.82
−0.43
−0.1
0.28
0.18
−0.07
0.26
0.7
0.78
Tax %
23.81%
24.14%
26.32%
55%
25.61%
−30.23%
30%
28.57%
22.22%
28.57%
30.77%
28.57%
25.64%
Net Profit
0.16
0.22
0.14
0.09
0.61
−0.3
−0.13
0.19
0.15
−0.1
0.18
0.5
0.58
EPS (₹)
0.01
0.01
0.01
0
0.03
−0.02
−0.01
0.01
0.01
0
0.01
0.02
0.03

Profit & Loss

₹ Cr
512048 profit and loss, annual, ₹ crore
Particulars Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026TTM
Revenue
0.56
0.8
1.5
1.99
1.07
0.77
1.2
1.68
1.93
1.63
5.14
12.46
13.66
Expenses
0.32
0.45
0.51
1.41
0.68
0.87
0.86
0.74
0.65
0.75
4.21
8.65
8.72
Financing Profit
0.2
0.31
0.96
0.54
0.36
−0.16
0.23
0.77
0.9
0.86
0.71
1.8
2.12
Fin. Margin %
35.71%
38.75%
64%
27.14%
33.64%
−20.78%
19.17%
45.83%
46.63%
52.76%
13.81%
14.45%
15.52%
Other Income
0.04
0
0
0
0.01
0.12
0
0
0
0.03
0.03
0.04
0.35
Interest
0.04
0.04
0.03
0.04
0.03
0.06
0.11
0.17
0.38
0.02
0.22
2.01
2.82
Depreciation
0
0
0
0
0
0
0
0
0
0
0.17
0.77
0.8
PBT
0.24
0.31
0.96
0.54
0.37
−0.04
0.23
0.77
0.9
0.89
0.57
1.07
1.67
Tax %
37.5%
35.48%
28.12%
22.22%
27.03%
0%
39.13%
25.97%
25.56%
31.46%
33.33%
30.84%
—
Net Profit
0.14
0.2
0.68
0.42
0.27
−0.05
0.14
0.57
0.67
0.61
0.37
0.73
1.16
EPS (₹)
0.01
0.01
0.04
0.02
0.01
0
0.01
0.03
0.04
0.03
0.02
0.03
0.06
Div. Payout %
0%
46.85%
13.78%
22.31%
0%
0%
0%
0%
0%
30.72%
0%
0%
—

Balance Sheet

₹ Cr
512048 balance sheet, annual, ₹ crore
Particulars Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Equity Capital
9.37
9.37
9.37
9.37
9.37
9.37
9.37
9.37
9.37
9.37
18.74
22.71
Reserves
2.9
2.98
3.55
3.97
4.12
4.08
4.22
4.79
5.46
6.07
34.79
43.76
Borrowing
0.52
0.02
0.56
0.59
0.87
2.01
1.3
6.36
0
0.88
10.61
22.16
Other Liabilities
0.15
0.51
0.26
0.41
0.24
0.33
0.28
0.24
0.21
0.21
3.2
3.17
Total Liabilities
12.94
12.88
13.74
14.34
14.6
15.79
15.17
20.76
15.04
16.53
67.34
91.8
Fixed Assets
0.03
0.02
0.02
0.01
0.01
0
0
0
0
0
2.14
1.91
CWIP
0
0
0
0
0
0
0
0
0
0
0
0
Investments
0
1
0
0.01
1.76
0.01
0
0
0
0
0
5.13
Other Assets
12.91
11.86
13.72
14.32
12.83
15.78
15.17
20.76
15.04
16.53
65.2
84.76
Total Assets
12.94
12.88
13.74
14.34
14.6
15.79
15.17
20.76
15.04
16.53
67.34
91.8

Cash Flow

₹ Cr
512048 cash flow, annual, ₹ crore
Particulars Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Operating
−0.04
0.97
−2.03
−0.66
1.18
−2.35
−0.37
−6.72
4.23
−2.51
−35.13
−38.88
Investing
0.02
−1
1.03
0
−1.75
1.75
0.01
0
0
0
−2.03
−5.48
Financing
0.13
−0.18
0.93
0.64
1.15
1.93
0.36
6.23
−4.96
2.37
51.94
33.19
Net Cash Flow
0.12
−0.2
−0.08
−0.02
0.58
1.32
0
−0.49
−0.73
−0.14
14.78
−11.17
Free Cash Flow
−0.04
0.97
−2.03
−0.66
1.18
−2.35
−0.37
−6.72
4.23
−2.51
−37.44
−39.43

Ratios

512048 financial ratios, annual
Particulars Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
ROE %
1.07%
1.62%
5.38%
3.2%
2.01%
−0.37%
1.04%
4.11%
4.62%
4.03%
1.07%
1.22%

Insights

Beta

AI-extracted from concalls & annual reports · figures as reported, with sources

Log in to view Dhansafal Finserve insights

50 extracted metrics across FY11–FY27.

Shareholding Pattern

As of Sep 2026

  • Promoters 57.37%
  • Public 33.37%
  • Others 9.26%

No promoter shares pledged as of 14 Oct 2026

Change vs previous quarter

Not shown for some quarters: Others. Not available separately for this quarter: the shareholding filing gives Public and Others as one figure, shown under Public, so Others is left blank rather than estimated.

Documents

  • Q1 FY27 concall · Aug 2026
    PPT
  • Concall · May 2026
    PPT
  • Q3 FY26 concall · Feb 2026
    PPT
  • Q2 FY26 concall · Nov 2025
    PPT
  • Q3 FY25 concall · Feb 2025
    PPT

Frequently Asked Questions about Dhansafal Finserve

What does Dhansafal Finserve Ltd do?
Incorporated in 1981, Luharuka Media & Infra Ltd is engaged in financial sector and provides various types of loans.
Where is Dhansafal Finserve Ltd (DHANSAFAL) listed?
Dhansafal Finserve Ltd trades under code 512048 on the BSE.
Which sector does Dhansafal Finserve Ltd belong to?
Dhansafal Finserve Ltd is classified under the Realty sector, in the Residential Commercial Projects industry.
What is the PE ratio of Dhansafal Finserve Ltd?
Dhansafal Finserve Ltd trades at a PE ratio of 43.17 as of 4 Nov 2026, on earnings per share of ₹0.06, against a book value of ₹2.77 per share.
What is the 52-week high and low of Dhansafal Finserve Ltd?
Over the last 52 weeks Dhansafal Finserve Ltd has traded between ₹1.91 and ₹4.65 as of 4 Nov 2026.
Does Dhansafal Finserve Ltd pay dividends?
Dhansafal Finserve Ltd has a dividend yield of 0.75%.
What is the Return on Equity (ROE) of Dhansafal Finserve Ltd?
Dhansafal Finserve Ltd reported a return on equity of 1.22%. Its debt-to-equity ratio is 0.33.

Company Information

Incorporated in 1981, Luharuka Media & Infra Ltd is engaged in financial sector and provides various types of loans.

Website dhansafal.com
Face Value ₹1

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