Driven Digital Lending Platform NeoMoney
April 30, 2026
Dhruva Capital Services Limited launched its NeoMoney AI-driven digital lending platform in April 2026, offering small-ticket credit from ₹500-₹5,000 with 5-minute processing. The RBI-registered NBFC since 1994 targets 50-60% annual growth over 4-5 years through digital-first lending, specialized finance segments including Goldsmith loans and vehicle service finance, and strategic partnerships to reach 1 million+ active users.
Dhruva Capital Services Limited has announced the launch of its NeoMoney digital lending platform in April 2026, marking a significant transformation from a legacy NBFC to a next-generation fintech leader. The RBI-registered NBFC, established in 1994, is pivoting to digital-first lending to serve the next generation of borrowers across India's underserved markets. The announcement was made pursuant to Regulation 30 of SEBI (Listing Obligations and Disclosure Requirements) Regulations 2015.
The NeoMoney platform features an AI-powered core with advanced intelligent underwriting engines and automated real-time decision-making capabilities. The platform offers instant 24/7 credit access with a completely digital lending journey. Small-ticket unsecured consumer credit is available nationwide, with instant disbursements ranging from ₹500 to ₹5,000 and one-time approval up to ₹50,000. The average processing time is 5 minutes, enabling rapid credit decisions through AI-powered systems.
NeoMoney Platform Features
Feature Details Minimum Loan Ticket ₹500 Maximum Loan Ticket ₹5,000 One-time Approval Limit ₹50,000 Average Processing Time 5 Min Loan Terms 30, 60, or 90 days with 90-day extension Processing Fee Zero
The platform's credit engine incorporates digital KYC with advanced identity verification and multi-factor risk assessment, completing user verification in seconds. API integrations pull real-time data with intelligent underwriting algorithms for optimized loan approvals. The automated flow enables fast one-tap loan disbursements with continuous 24/7 automated monitoring systems.
Specialized Finance Segments
Beyond the NeoMoney platform, dhruva capital services operates specialized finance segments. The Goldsmith targeting model offers pledge-based loans ranging between ₹50,000 and ₹1 Lakh with competitive interest rates between 18% and 24%, specifically designed for Tier-2 and Tier-3 urban markets. The company collaborates with local jewelers to source new leads while utilizing advanced digital valuation applications for rapid asset appraisals.
Finance Segment Loan Range Interest Rates Tenure Partners Motor Vehicle Service Finance Under ₹10,000 20% – 28% Up to 5 months Authorized OEM dealers (Maruti, Hero) Tyre Finance Up to ₹40,000 24% – 32% 9 – 12 months Tyre centers (MRF, Apollo)
Strategic Roadmap and Future Outlook
The company has outlined a strategic roadmap for specialized credit expansion, beginning with the NeoMoney nationwide launch of small-ticket unsecured consumer credit. This will be followed by POS-linked motor vehicle service bay rollout and expansion into the Rajasthan & Gujarat retail markets through the Goldsmith model. The company is also planning iOS integration for its digital lending applications.
Dhruva Capital Services is projected to grow rapidly, targeting an annual growth rate of approximately 50-60% over the next 4-5 years. The company seeks strategic partnerships to scale the NeoMoney platform to 1 million+ active users, expanding credit access across every Tier-2 and Tier-3 city in India. These initiatives are expected to expand its customer base, improve net interest margins (NIM), and enhance overall profitability.
Dhruva Capital Services announced its audited financial results for the quarter and financial year ended March 31, 2026, following a Board meeting held on April 30, 2026. The company's statutory auditors, M/s. V. Jalan & Co, issued an unmodified opinion on the audited financial statements for the year ended March 31, 2026.
Financial Performance Overview
For the financial year ended March 31, 2026, the company reported total revenue of Rs. 549.52 lakh, a substantial increase from Rs. 238.66 lakh in the previous year. Interest income for FY26 stood at Rs. 310.94 lakh, compared to Rs. 212.74 lakh in FY25. The company also recorded NPA revenue recovery of Rs. 236.93 lakh during the year.
Particulars: Year Ended 31.03.2026 (Rs. in Lakh) Year Ended 31.03.2025 (Rs. in Lakh) Total Revenue from Operations: 310.94 212.88 Total Revenue (including other income): 549.52 238.66 Total Expenses: 258.03 68.28 Profit before Tax: 183.99 -66.55 Profit for the Period: 162.01 -110.84 Basic Earnings Per Share (Rs.): 2.25 -2.73
Fund Utilization Compliance
Pursuant to Regulation 32 of the SEBI Listing Regulations and SEBI Circular No SEBI/HO/CFD/PoD2/CIR/P/2023/120 dated July 11, 2023, the company confirmed that there is no deviation or variation in respect of the utilization of the proceeds of the Preferential Issues. The preferential issue of Rs. 1,830.75 lakh was raised on July 30, 2025.
Fund Details: Amount (Rs. in Lakh) Original Allocation: 1,830.75 Fund Utilized: 1,830.75 Deviation: Nil
The company has duly utilized the proceeds from the Preferential Issue in accordance with the objects stated in the Notice of the Extra-Ordinary General Meeting dated February 10, 2025. The object of the issue was Working Capital, and there was no deviation from the stated objects.
Balance Sheet Position
The company's total assets as of March 31, 2026, stood at Rs. 4,635.47 lakh, compared to Rs. 2,019.77 lakh in the previous year. Key asset components included loans of Rs. 2,963.16 lakh and investments of Rs. 1,500.00 lakh. Equity share capital increased to Rs. 719.03 lakh from Rs. 406.17 lakh in the prior year.
Asset Category: As of 31.03.2026 (Rs. in Lakh) As of 31.03.2025 (Rs. in Lakh) Cash and Cash Equivalents: 0.27 0.16 Bank Balance: 7.85 0.50 Loans: 2,963.16 1,936.05 Investments: 1,500.00 0.00 Total Assets: 4,635.47 2,019.77
Corporate Governance Developments
The Board appointed M/s. Vikash Chamaria & Company, Chartered Accountants (FRN No. 325174E), as internal auditor for the financial year 2026-27. The appointment was effective from April 30, 2026. Mr. Vikash Chamaria, the proprietor, brings over 18 years of experience in audit and taxation, with expertise in bank audits since 2014.
Cash Flow Analysis
The net cash generated from operating activities for FY26 was negative at Rs. 1,044.25 lakh, primarily due to increases in loans and other current assets. However, financing activities generated net cash inflows of Rs. 2,655.40 lakh, mainly from proceeds of share issues including premium amounting to Rs. 1,800.75 lakh and equity share warrants of Rs. 110.00 lakh. Closing cash and cash equivalents stood at Rs. 8.12 lakh as of March 31, 2026.
We’re building Scanx - to help you express your trading & investing idea, to help you analyse the markets better.
Stock Markets are the true indicator of the growth of any country's economy. We are bullish on India, we are bullish on India's prospects to be one of largest economies of the world. We believe that Stock Markets provide an unique opportunity for all Indians to participate in the growth story of India. We are enabling the same for Indians.
As financial services are becoming more accessible, there is now a large set of Indians today who are financially aware and literate. They value time and seek high quality products & services. Most screening, trading, investing platforms available today are more or less similar to each other, and they have not evolved with time. While both traders & investors have gotten smart about how they make money and build wealth, as users they have continued to use the same products, features, and platforms that were available for years with little or no innovation. We plan to change that - a technology-led platform built for super traders and long term investors.
The NeoMoney platform features an AI-powered core with advanced intelligent underwriting engines and automated real-time decision-making capabilities. The platform offers instant 24/7 credit access with a completely digital lending journey. Small-ticket unsecured consumer credit is available nationwide, with instant disbursements ranging from ₹500 to ₹5,000 and one-time approval up to ₹50,000. The average processing time is 5 minutes, enabling rapid credit decisions through AI-powered systems.
NeoMoney Platform Features
Feature Details Minimum Loan Ticket ₹500 Maximum Loan Ticket ₹5,000 One-time Approval Limit ₹50,000 Average Processing Time 5 Min Loan Terms 30, 60, or 90 days with 90-day extension Processing Fee Zero
The platform's credit engine incorporates digital KYC with advanced identity verification and multi-factor risk assessment, completing user verification in seconds. API integrations pull real-time data with intelligent underwriting algorithms for optimized loan approvals. The automated flow enables fast one-tap loan disbursements with continuous 24/7 automated monitoring systems.
Specialized Finance Segments
Beyond the NeoMoney platform, dhruva capital services operates specialized finance segments. The Goldsmith targeting model offers pledge-based loans ranging between ₹50,000 and ₹1 Lakh with competitive interest rates between 18% and 24%, specifically designed for Tier-2 and Tier-3 urban markets. The company collaborates with local jewelers to source new leads while utilizing advanced digital valuation applications for rapid asset appraisals.
Finance Segment Loan Range Interest Rates Tenure Partners Motor Vehicle Service Finance Under ₹10,000 20% – 28% Up to 5 months Authorized OEM dealers (Maruti, Hero) Tyre Finance Up to ₹40,000 24% – 32% 9 – 12 months Tyre centers (MRF, Apollo)
Strategic Roadmap and Future Outlook
The company has outlined a strategic roadmap for specialized credit expansion, beginning with the NeoMoney nationwide launch of small-ticket unsecured consumer credit. This will be followed by POS-linked motor vehicle service bay rollout and expansion into the Rajasthan & Gujarat retail markets through the Goldsmith model. The company is also planning iOS integration for its digital lending applications.
Dhruva Capital Services is projected to grow rapidly, targeting an annual growth rate of approximately 50-60% over the next 4-5 years. The company seeks strategic partnerships to scale the NeoMoney platform to 1 million+ active users, expanding credit access across every Tier-2 and Tier-3 city in India. These initiatives are expected to expand its customer base, improve net interest margins (NIM), and enhance overall profitability.
Dhruva Capital Services announced its audited financial results for the quarter and financial year ended March 31, 2026, following a Board meeting held on April 30, 2026. The company's statutory auditors, M/s. V. Jalan & Co, issued an unmodified opinion on the audited financial statements for the year ended March 31, 2026.
Financial Performance Overview
For the financial year ended March 31, 2026, the company reported total revenue of Rs. 549.52 lakh, a substantial increase from Rs. 238.66 lakh in the previous year. Interest income for FY26 stood at Rs. 310.94 lakh, compared to Rs. 212.74 lakh in FY25. The company also recorded NPA revenue recovery of Rs. 236.93 lakh during the year.
Particulars: Year Ended 31.03.2026 (Rs. in Lakh) Year Ended 31.03.2025 (Rs. in Lakh) Total Revenue from Operations: 310.94 212.88 Total Revenue (including other income): 549.52 238.66 Total Expenses: 258.03 68.28 Profit before Tax: 183.99 -66.55 Profit for the Period: 162.01 -110.84 Basic Earnings Per Share (Rs.): 2.25 -2.73
Fund Utilization Compliance
Pursuant to Regulation 32 of the SEBI Listing Regulations and SEBI Circular No SEBI/HO/CFD/PoD2/CIR/P/2023/120 dated July 11, 2023, the company confirmed that there is no deviation or variation in respect of the utilization of the proceeds of the Preferential Issues. The preferential issue of Rs. 1,830.75 lakh was raised on July 30, 2025.
Fund Details: Amount (Rs. in Lakh) Original Allocation: 1,830.75 Fund Utilized: 1,830.75 Deviation: Nil
The company has duly utilized the proceeds from the Preferential Issue in accordance with the objects stated in the Notice of the Extra-Ordinary General Meeting dated February 10, 2025. The object of the issue was Working Capital, and there was no deviation from the stated objects.
Balance Sheet Position
The company's total assets as of March 31, 2026, stood at Rs. 4,635.47 lakh, compared to Rs. 2,019.77 lakh in the previous year. Key asset components included loans of Rs. 2,963.16 lakh and investments of Rs. 1,500.00 lakh. Equity share capital increased to Rs. 719.03 lakh from Rs. 406.17 lakh in the prior year.
Asset Category: As of 31.03.2026 (Rs. in Lakh) As of 31.03.2025 (Rs. in Lakh) Cash and Cash Equivalents: 0.27 0.16 Bank Balance: 7.85 0.50 Loans: 2,963.16 1,936.05 Investments: 1,500.00 0.00 Total Assets: 4,635.47 2,019.77
Corporate Governance Developments
The Board appointed M/s. Vikash Chamaria & Company, Chartered Accountants (FRN No. 325174E), as internal auditor for the financial year 2026-27. The appointment was effective from April 30, 2026. Mr. Vikash Chamaria, the proprietor, brings over 18 years of experience in audit and taxation, with expertise in bank audits since 2014.
Cash Flow Analysis
The net cash generated from operating activities for FY26 was negative at Rs. 1,044.25 lakh, primarily due to increases in loans and other current assets. However, financing activities generated net cash inflows of Rs. 2,655.40 lakh, mainly from proceeds of share issues including premium amounting to Rs. 1,800.75 lakh and equity share warrants of Rs. 110.00 lakh. Closing cash and cash equivalents stood at Rs. 8.12 lakh as of March 31, 2026.
We’re building Scanx - to help you express your trading & investing idea, to help you analyse the markets better.
Stock Markets are the true indicator of the growth of any country's economy. We are bullish on India, we are bullish on India's prospects to be one of largest economies of the world. We believe that Stock Markets provide an unique opportunity for all Indians to participate in the growth story of India. We are enabling the same for Indians.
As financial services are becoming more accessible, there is now a large set of Indians today who are financially aware and literate. They value time and seek high quality products & services. Most screening, trading, investing platforms available today are more or less similar to each other, and they have not evolved with time. While both traders & investors have gotten smart about how they make money and build wealth, as users they have continued to use the same products, features, and platforms that were available for years with little or no innovation. We plan to change that - a technology-led platform built for super traders and long term investors.