Transwarranty Finance Ltd
TFL NSE
Transwarranty Finance Ltd
Financial ServicesNSE: TFL BSE: 532812 Finance
Key Fundamentals
MicrocapNBFCFinancial ServicesMarket Cap
₹65.48 Cr
Volatility
Moderate
P/E Ratio
-16.6
Book Value
₹5.51
52W High
₹1,102.5
52W Low
₹787.9
Technical Indicators
Key Insights
Strengths
1- Debtor days have improved from 267 to 130 days.
Weaknesses
4- Company has low interest coverage ratio.
- Promoter holding has decreased over last quarter: -1.16%
- Company has a low return on equity of -14.1% over last 3 years.
- Promoters have pledged 46.4% of their holding.
Growth Rate
Revenue Growth
26.81% ↗
Net Income Growth
-974.00% →
Cash Flow Change
-
ROE
-10.00% ↘
ROCE
-
EBITDA Margin (Avg.)
-
Quarterly Results
| Dec 2022 | Mar 2023 | Jun 2023 | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Depreciation | 0.12 | 0.12 | 0.11 | 0.12 | 0.12 | 0.13 | 0.09 | 0.16 | 0.13 | 0.13 | 0.12 | 0.13 | 0.13 |
| EPS in Rs | -0.21 | -1.23 | -0.22 | -0.1 | -0.07 | 0.56 | -0.08 | 0.09 | -0.44 | -0.2 | -0.16 | -0.23 | -0.17 |
| Expenses | 2.92 | 6.75 | 2.76 | 3.38 | 2.95 | 2.3 | 3.43 | 3.7 | 3.9 | 3.24 | 3.71 | 3.65 | 3.74 |
| Fin. Margin % | -23.94% | -318.23% | -45.35% | -41.23% | -36.63% | 32.03% | -12.94% | -17.36% | -41.08% | -10.32% | -22.53% | -37.46% | -40.89% |
| Financing Profit | -0.85 | -6.11 | -1.22 | -1.34 | -1.11 | 1.64 | -0.52 | -0.67 | -1.45 | -0.36 | -0.89 | -1.24 | -1.28 |
| Interest | 1.48 | 1.28 | 1.15 | 1.21 | 1.19 | 1.18 | 1.11 | 0.83 | 1.08 | 0.61 | 1.13 | 0.9 | 0.67 |
| Net Profit | -1.02 | -6 | -1.07 | -0.5 | -0.36 | 2.73 | -0.39 | 0.47 | -2.34 | -1.1 | -0.84 | -1.26 | -0.91 |
| Other Income | -0.05 | 0.22 | 0.27 | 0.95 | 0.87 | 1.21 | 0.22 | 1.3 | -0.76 | 0.03 | 0.17 | 0.1 | 0.51 |
| PBT | -1.02 | -6.01 | -1.06 | -0.51 | -0.36 | 2.72 | -0.39 | 0.47 | -2.34 | -0.46 | -0.84 | -1.27 | -0.9 |
| Revenue | 3.55 | 1.92 | 2.69 | 3.25 | 3.03 | 5.12 | 4.02 | 3.86 | 3.53 | 3.49 | 3.95 | 3.31 | 3.13 |
| Tax % | 0% | -0.17% | 0% | 0% | 0% | -0.37% | 0% | 0% | 0% | 139.13% | 0% | -0.79% | 1.11% |
Profit & Loss
| Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | TTM | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Depreciation | 0.51 | 0.52 | 0.41 | 0.34 | 0.86 | 0.45 | 0.66 | 0.59 | 0.57 | 0.49 | 0.47 | 0.5 | 0.51 |
| Div. Payout % | 0% | 0% | 0% | 0% | 0% | 0% | 0% | 0% | 0% | 0% | 0% | 0% | — |
| EPS in Rs | -0.27 | -0.04 | -0.09 | 0.25 | 0.17 | 0.06 | -1.35 | -0.64 | -0.47 | -1.84 | 0.12 | -0.94 | -0.76 |
| Expenses | 15.13 | 13.48 | 15.6 | 17.4 | 14.93 | 15.45 | 13.44 | 15.08 | 13.41 | 15.24 | 11.38 | 14.28 | 14.34 |
| Fin. Margin % | -9.82% | -4.69% | -3.16% | 6.06% | 7.89% | 0.78% | -114.02% | -20.43% | -15.33% | -77.97% | -10.19% | -16.22% | -27.16% |
| Financing Profit | -1.4 | -0.62 | -0.5 | 1.17 | 1.36 | 0.14 | -8.62 | -3.13 | -2.41 | -9.13 | -1.49 | -2.5 | -3.77 |
| Interest | 0.52 | 0.37 | 0.72 | 0.73 | 0.94 | 2.3 | 2.74 | 3.37 | 4.72 | 5.6 | 4.73 | 3.63 | 3.31 |
| Net Profit | -1.3 | -0.22 | -0.46 | 1.22 | 0.82 | 0.45 | -8.59 | -2.8 | -2.15 | -9.29 | 0.8 | -5.41 | -4.11 |
| Other Income | 0.61 | 0.98 | 0.45 | 0.53 | 0.37 | 0.8 | 0.56 | 0.86 | 0.84 | 0.32 | 2.76 | -1.77 | 0.81 |
| PBT | -1.3 | -0.16 | -0.46 | 1.36 | 0.87 | 0.49 | -8.72 | -2.86 | -2.14 | -9.3 | 0.8 | -4.77 | -3.47 |
| Revenue | 14.25 | 13.23 | 15.82 | 19.3 | 17.23 | 17.89 | 7.56 | 15.32 | 15.72 | 11.71 | 14.62 | 15.41 | 13.88 |
| Tax % | 0% | 37.5% | 0% | 10.29% | 5.75% | 8.16% | -1.49% | -1.75% | 0% | -0.11% | -1.25% | 13.42% | — |
Balance Sheet
| Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Sep 2025 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Borrowing | 4.96 | 3.79 | 3.12 | 8.35 | 16.1 | 19.36 | 23.02 | 43.25 | 42.94 | 40.42 | 38.52 | 41.17 | 33.59 |
| CWIP | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Equity Capital | 24.46 | 24.46 | 24.46 | 24.46 | 24.46 | 24.46 | 24.46 | 24.46 | 24.46 | 48.46 | 48.89 | 53.99 | 53.99 |
| Fixed Assets | 8 | 7.29 | 7.04 | 6.77 | 16.61 | 16.29 | 16.85 | 16.31 | 15.8 | 15.26 | 15.18 | 14.87 | 15.37 |
| Investments | 29.09 | 23.24 | 24.15 | 20.01 | 0.89 | 0.68 | 0.7 | 0.13 | 0.14 | 0.15 | 0.06 | 0.1 | 0.12 |
| Other Assets | 38.04 | 44.1 | 42.7 | 58.06 | 49.96 | 50.81 | 44.32 | 78.02 | 86.81 | 90.79 | 83.74 | 85.05 | 70 |
| Other Liabilities | 14.74 | 15.73 | 15.83 | 20.56 | 20.02 | 22.15 | 19.21 | 34.74 | 45.6 | 36.57 | 30.27 | 27.76 | 22.67 |
| Reserves | 30.97 | 30.65 | 30.48 | 31.47 | 6.88 | 1.81 | -4.82 | -7.99 | -10.25 | -19.25 | -18.7 | -22.9 | -24.76 |
| Total Assets | 75.13 | 74.63 | 73.89 | 84.84 | 67.46 | 67.78 | 61.87 | 94.46 | 103 | 106 | 98.98 | 100 | 85.49 |
| Total Liabilities | 75.13 | 74.63 | 73.89 | 84.84 | 67.46 | 67.78 | 61.87 | 94.46 | 103 | 106 | 98.98 | 100 | 85.49 |
Cash Flow
| Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| CFO/OP | 116 | -504 | 36 | 13 | 18 | -21 | -14 | -3,942 | 700 | 345 | -449 | -404 |
| Financing | -1.49 | -0.84 | 0.15 | -0.87 | 1.63 | 1.96 | 0.39 | 17.13 | -4.86 | 16.47 | -6.24 | 4.87 |
| Investing | -0.26 | -0.35 | -0.79 | 1.13 | -0.48 | -0.29 | 0.24 | -5.17 | -7.71 | 1.74 | 6.93 | -0.23 |
| Operating | -0.23 | 1.65 | -0.26 | 0.61 | 0.43 | -0.92 | 0.82 | -9.6 | 15.86 | -12.2 | -14.75 | -4.57 |
| Free Cash Flow | 0.01 | 1.63 | -0.42 | 0.54 | 0.06 | -1.32 | 0.23 | -9.68 | 15.76 | -12.32 | -14.97 | -4.74 |
| Net Cash Flow | -1.98 | 0.46 | -0.89 | 0.87 | 1.58 | 0.74 | 1.44 | 2.36 | 3.29 | 6.01 | -14.06 | 0.08 |
Ratios
| Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE % | -2.48% | -0.76% | -0.93% | 2.2% | 2.27% | 1.04% | -28.71% | -17.28% | -14.86% | -41.54% | 1.95% | -10.14% |
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Concall - Nov 2022
Nov 2022
Closure of Trading Window
9h - Trading window closed Apr 1, 2026 until 48 hours after audited FY2026 results announcement.
9h - Trading window closed Apr 1, 2026 until 48 hours after audited FY2026 results announcement.
Intimation Under Regulation 30 Of The SEBI (Listing Obligation And Disclouser Requirements) Regulations, 2015
6h - Promoter Kumar Nair gifted 12,00,000 shares; transferees reclassified as promoter group.
6h - Promoter Kumar Nair gifted 12,00,000 shares; transferees reclassified as promoter group.
Intimation About Transmission Of Shares From The Deceased Member Belonging To The Promoter Group Of The Company To Her Legal Heir
26 Feb - 20,840 shares transferred from deceased C.D. Padmini Devi to Sheila Satish Divakaran; effective Feb 23, 2026.
26 Feb - 20,840 shares transferred from deceased C.D. Padmini Devi to Sheila Satish Divakaran; effective Feb 23, 2026.
Closure of Trading Window
24 Mar - Trading window closed Apr 1, 2026 until 48 hours after audited FY2026 results announcement.
24 Mar - Trading window closed Apr 1, 2026 until 48 hours after audited FY2026 results announcement.
Announcement under Regulation 30 (LODR)-Press Release / Media Release
17 Feb - IDFC First Bank sanctioned Rs.15 Cr credit facility in Jan 2026 for Oroboro digital lending.
17 Feb - IDFC First Bank sanctioned Rs.15 Cr credit facility in Jan 2026 for Oroboro digital lending.
Announcement under Regulation 30 (LODR)-Newspaper Publication
14 Feb - Of Newspaper Advertisement for the unaudited Standalone and Consolidated Financial Results for the Quarter ended December 31, 2025.
14 Feb - Of Newspaper Advertisement for the unaudited Standalone and Consolidated Financial Results for the Quarter ended December 31, 2025.
Frequently Asked Questions about Transwarranty Finance Ltd
What does Transwarranty Finance Ltd do?
Incorporated in 1994, Transwarranty Finance Ltd is an NBFC engaged in lending and advisory services
Where is Transwarranty Finance Ltd (TFL) listed?
Transwarranty Finance Ltd is listed on the Indian stock exchanges. It is listed on NSE: TFL and BSE: 532812. You can view its live share price, financials, and ratios on Tapetide.
Which sector does Transwarranty Finance Ltd belong to?
Transwarranty Finance Ltd operates in the Financial Services sector within the Finance industry. Sector classification helps investors compare companies affected by similar economic conditions and regulatory changes.
What is the market capitalisation of Transwarranty Finance Ltd?
Transwarranty Finance Ltd has a market capitalisation of approximately ₹65.48 Cr. Based on this, it is classified as a Small Cap stock.
What is the PE ratio of Transwarranty Finance Ltd?
The Price-to-Earnings (PE) ratio of Transwarranty Finance Ltd is -16.60. The PE ratio compares a company's share price to its earnings per share and is commonly used to assess whether a stock is overvalued or undervalued relative to its peers.
What is the 52-week high and low of Transwarranty Finance Ltd?
Over the past 52 weeks, Transwarranty Finance Ltd has traded between a low of ₹787.9 and a high of ₹1,102.5. This range helps investors understand the stock's price volatility and recent trading levels.
How can I research Transwarranty Finance Ltd on Tapetide?
On Tapetide, you can view Transwarranty Finance Ltd's live share price, quarterly results, profit & loss statements, balance sheet, cash flow, key ratios, shareholding pattern, technical indicators, analyst ratings, and forecasts — all on a single page without needing to sign up.
Company Information
Incorporated in 1994, Transwarranty Finance Ltd is an NBFC engaged in lending and advisory services
Website transwarranty.com
CEO Mr. Kumar Chandra Nair ACA, B.Sc., F.C.A.
Employees 37
Listed 2007-02-26
Face Value ₹ 10
Issued Size 5,39,74,537