TruCap Finance LimitedQ2 FY27 Results & Financial Update
TruCap Finance Limited: Q2 FY27 consolidated results and company financials – revenue ₹25.31 Cr, PAT ₹-22.15 Cr. Explore reported YoY/QoQ movements, margins, business drivers and management commentary. This page does not provide a rating, target price or investment recommendation.
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Quarterly Results AnalysisExplore TruCap Finance Q2 FY27 quarterly results and earnings: revenue, profit (PAT), EBITDA, margins, YoY and QoQ growth, order book or business updates where reported, financial performance and management commentary. Reported figures and Nivata calculations are shown separately; no buy, sell or hold recommendation is provided.
Quarter overview
Quarterly earnings analysis
TruCap Finance Limited reported total income and revenue of INR 25.31 crore for the quarter ended September 30, 2026 (Q2 FY27) on a consolidated basis.
The company incurred a loss before tax (PBT) of INR 27.49 crore during the quarter under review, reflecting significant operating and cost pressures.
After accounting for tax adjustments of INR 5.34 crore, the net loss after tax (PAT) stood at INR 22.15 crore for the second quarter of fiscal 2027.
Basic and diluted earnings per share (EPS) for the quarter were reported at negative INR 0.92, reflecting the bottom-line loss.
Finance costs for the quarter were recorded at negative INR 14.01 crore, while other income contributed INR 1.78 crore to the financial results.
The filing indicates zero provisions and zero depreciation expenses for the reported quarterly period on a consolidated basis.
The net profit margin for Q2 FY27 stood at negative 87.51 percent, calculated against total revenue.
TruCap Finance Limited reported total revenue and total income of INR 25.31 crore for the quarter ended September 30, 2026, on a consolidated basis.
01 · Business model
What does TruCap Finance do?
TruCap Finance Limited operates as a non-banking financial company (NBFC) registered in India, delivering credit and lending solutions focused on retail and micro-enterprise segments.
The company's core operations center on meeting the financing requirements of underserved borrowers, facilitating economic activity across its targeted operational areas.
TruCap Finance funds its asset book through a combination of borrowings and capital structures, managing financial costs relative to income generation across economic cycles.
The consolidated reporting structure encompasses the financial performance of the parent entity and its consolidated subsidiaries as reported in regulatory filings.
02 · Financial snapshot
Current-quarter financial snapshot
| Metric | Q2 FY27 |
|---|---|
| Total income | ₹25.31 Cr |
| Interest income | ₹0.00 Cr |
| Other income | ₹1.78 Cr |
| Provisions | ₹0.00 Cr |
| Profit before tax | ₹-27.49 Cr |
| Profit after tax | ₹-22.15 Cr |
| EPS | ₹-0.92 |
03 · Earnings & margin drivers
What drove earnings and margins
What drove net interest income and earnings
Total revenue and income for Q2 FY27 reached INR 25.31 crore, driven by core operations and other income streams.
Other income contributed INR 1.78 crore to the top-line results during the quarter.
Total income for Q2 FY27 was reported at INR 25.31 crore, primarily driven by core lending operations and other income of INR 1.78 crore.
NIM, spread, funding cost and credit cost
Finance costs were recorded at negative INR 14.01 crore for the quarter.
Tax expense stood at negative INR 5.34 crore for the reporting period, mitigating the pre-tax loss.
The company registered a negative PAT margin of 87.51% for the quarter, driven by higher operational and finance charges relative to income generation.
04 · Pressure points & risks
What is not going smoothly
The company reported a loss before tax of INR 27.49 crore and a net loss after tax of INR 22.15 crore for Q2 FY27.
The company posted a consolidated net loss after tax of INR 22.15 crore for the quarter ended September 30, 2026.
05 · Items worth noticing
The line items that can distort a quick read
Reported negative figures in finance costs (negative INR 14.01 crore) and tax expenses (negative INR 5.34 crore) during the quarter.
06 · Beyond the numbers
What changed beyond the numbers
Reported update
Regulatory Filing Submission
The financial results for Q2 FY27 were submitted through official exchange structured XBRL filings.
07 · Key Q&A
The quarter, answered directly
What does TruCap Finance do?
TruCap Finance Limited operates as a non-banking financial company (NBFC) registered in India, delivering credit and lending solutions focused on retail and micro-enterprise segments.
What is the clearest takeaway from Q2 FY27?
TruCap Finance Limited reported total income and revenue of INR 25.31 crore for the quarter ended September 30, 2026 (Q2 FY27) on a consolidated basis.
What drove earnings or loan-book movement?
Total revenue and income for Q2 FY27 reached INR 25.31 crore, driven by core operations and other income streams.
What mattered most for margins, funding or credit cost?
Finance costs were recorded at negative INR 14.01 crore for the quarter.
What changed operationally beyond the headline numbers?
The financial results for Q2 FY27 were submitted through official exchange structured XBRL filings.
What are the main pressure points disclosed for the quarter?
The company reported a loss before tax of INR 27.49 crore and a net loss after tax of INR 22.15 crore for Q2 FY27.
08 · Scenario calculator
Earnings sensitivity: what if growth and margins change?
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Example: enter 10 for 10% revenue growth. Enter -100 for a 1 percentage-point margin decline.
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The calculator holds the selected margin basis constant except for the basis-point adjustment you enter. It does not estimate tax, finance cost, dilution, working capital, valuation or share price.
09 · Next filing checkpoints
What the next disclosure can confirm or change
- 01
Profitability Recovery: Monitor subsequent quarters for operational turnaround and cost rationalisation to mitigate net losses.
- 02
Asset Quality and Provisions: Observe future filings for credit provisioning trends and loan portfolio performance.
- 03
Future Financial Performance: Monitor subsequent quarterly filings to evaluate revenue recovery and progress toward profitability.
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