TFL · Transwarranty Finance Ltd · Investment Services
TFL · Transwarranty Finance Ltd · Investment Services
As of 05 Nov close
52-week range
38.3% below 52-week high
52-week range: as of 05 Nov 2026 close.
Price chartDaily closes on the stock page.
Weighted combination of 8 measured readings. Not a probability, a rating or a forecast.
Full signal detail →Fundamentals as of 15 Sep 2026 · the company's own latest record is 51 days old
Revenue (latest Q)
₹3 Cr
Revenue YoY
PAT YoY
+86.0%
Operating margin
Revenue, last 8 quarters
P/E (TTM)
P/B
2.4
P/S (TTM)
5
Sector P/E
25.4
Dividend yield
0.0%
| Company | P/E | P/B | Net margin | ROE | D/E | Div. yield |
|---|---|---|---|---|---|---|
| TFL (this stock) | Not meaningful (earnings negative over the last 12 months) | 2.4 | -28.3% | -12.9% | 1.07 | 0.0% |
| ICICI Prudential Asset Management Company Ltd | 47.7 | 37.7 | +56.0% | Not available from data source | 3.22 | +0.9% |
| HDFC Asset Management Company | 39.9 | 12.3 | +69.3% | Not available from data source | 1.86 | +2.0% |
| Nippon Life India Asset Management | 50.1 | 16.3 | +56.4% | +34.5% | 1.36 | +1.8% |
Promoter
stable
FII
Not available from data source
MF
Not available from data source
Insider trades
No insider trades in the last 12 months.
Bulk/block deals
No bulk/block deals in the last 12 months.
News timeline
No related news.
Concalls & investor presentations
AI-generatedNo concall transcripts or investor presentations recorded yet.
AI Summary of Annual Report
AI-generatedTranswarranty Finance Limited (TFL) is a non-deposit accepting NBFC registered with the RBI, offering advisory and fund-based lending services. The report highlights the company's digital lending platform, OROBORO app, and strategic partnerships to scale operations. It emphasizes compliance with RBI regulations and corporate governance standards, while noting a loss before exceptional items and tax in FY2025-26. The company has a subsidiary and an associate company, and it maintains internal financial controls as per ICAI guidelines.
- Development of a proprietary digital lending application named OROBORO to enhance lending operations and scalability.
- Commitment to corporate governance and compliance with RBI and SEBI regulations.
- Establishment of internal financial controls and audit processes in accordance with ICAI guidelines.
- Strategic partnerships with channel partners to expand digital lending business.
- Focus on maintaining a diverse and experienced board of directors with regular performance evaluations.
Key takeaway: Transwarranty Finance Limited is leveraging digital innovation and strategic partnerships to scale its financial services, while maintaining strong governance and compliance frameworks.
The following annual report excerpts provide qualitative strategic context. Do not treat any specific financial figures in these excerpts as authoritative — they may be incorrectly labeled due to PDF table extraction limitations. For precise financial data, refer to the structured fundamentals data above.
Governance disclosures
AI-generatedNeeds attention
Auditor Qualification (1 item); Default / Covenant Breach (2 items)
Items of these kinds are disclosed in the filings. This is a count of disclosed items. It is not a finding about the company and its cause has not been independently established.
Auditor Qualification
1 occurrenceEarlier (1-3 years ago)
The auditor of Transwarranty Finance Limited has issued an emphasis of matter in the audit report regarding the impairment losses on trade receivables and loans, as well as the accumulated net deficit in the company's financial position as of 31st March 2024.
Default / Covenant Breach
2 occurrencesRecent (last 12 months)
The company has not reported entity-wise details of loan repayments due to the voluminous nature of data, but mentions that except for instances with delays or defaults where provisions have been recognised, parties are repaying as stipulated.
Earlier (1-3 years ago)
The company has overdue amounts exceeding 90 days on loans and advances, and has recognized necessary provisions under Ind AS and RBI guidelines.
Routine disclosures
Contingent Liability
3 occurrencesRecent (last 12 months)
The company has disclosed pending litigations impacting its financial position in its Standalone Financial Statements, as noted in Note 35 on Contingent Liabilities.
Earlier (1-3 years ago)
The company has disclosed the impact of pending litigations on its financial position in its Standalone Financial Statements, as referenced in Note 34 on Contingent Liabilities.
Transwarranty Finance Limited has counter guarantees issued on behalf of its subsidiary Vertex Securities Limited for OD Facilities, as disclosed in Note-33 under contingent liabilities and commitments.
Related-Party Transaction
3 occurrencesRecent (last 12 months)
The company had Material Related Party Transactions with Vertex Securities Limited during the 2022-23 financial year.
Earlier (1-3 years ago)
The company has transactions with related parties including Vertex Securities Limited, Vertex Commodities and Finpro Private Limited, and Transwarranty Capital Market Services Private Limited, involving inter-corporate deposits, share trading, current account credits, and expenses transfers.
The company is considering and approving a related party transaction between itself, its subsidiaries, and step-down subsidiaries on one hand and Vertex Securities Limited and its subsidiaries on the other.
Promoter Share Pledge
1 occurrenceRecent (last 12 months)
26.36% of promoter holding pledged (quarter 2026-Q3 as of 2026-07-18).