Sera Investments & Finance India Ltd (512399)
Latest quarterly results (Q1 FY27)
In its latest reported quarter, Q1 FY27, Sera Investments' net interest income was ₹58.9 Cr, and net profit ₹49.7 Cr.
| Q1 FY27 (₹ Cr) | Value | YoY vs Q1 FY26 | QoQ |
|---|---|---|---|
| Net interest income | ₹58.9 | — | +40.3% |
| Operating profit | ₹58.4 | — | — |
| Net profit | ₹49.7 | — | +50.7% |
| EPS (₹) | 7.57 | — | +51.1% |
📢 Recent Corporate Announcements
Sera Investments & Finance India Ltd has transitioned its official website from serafinances.com to sera-india.com as of August 12, 2026. The company confirmed that all mandatory disclosures required under SEBI (LODR) Regulations, 2015, and the Companies Act, 2013, are now being maintained on the new domain. This is a procedural update and does not affect the company's financial standing, which includes a TTM revenue of Rs 72 Cr and a market cap of Rs 288 Cr.
- Official website domain changed from serafinances.com to sera-india.com
- Compliance disclosures are now hosted on the new domain as of August 12, 2026
- Company maintains a TTM PAT of Rs 53 Cr as per latest financial context
Sera Investments & Finance has approved its unaudited standalone and consolidated financial results for the quarter ended June 30, 2026. This follows a significant growth phase where TTM revenue reached ‡72 Cr compared to just ‡12 Cr in FY25. The company maintains a low P/E of 4.8 and a market capitalization of ‡256 Cr. Investors should monitor if the high revenue momentum from the March 2026 quarter (‡42 Cr) has continued into the new fiscal year.
- Board approved unaudited financial results for the quarter ended June 30, 2026
- The company reported a TTM PAT of ‡53 Cr against a market cap of ‡256 Cr
- Revenue in the preceding quarter (March 2026) was ‡42 Cr, representing over 58% of total FY26 revenue
- The board meeting was conducted efficiently within a 30-minute window (15:30 to 16:00)
- Promoter holding remains stable at 58.15% as of the last reporting cycle
Sera Investments & Finance India Ltd has approved its unaudited financial results for the quarter ended June 30, 2026. The company enters this period following a significant growth phase in FY26, where annual revenue surged to Rs 72 Cr from Rs 12 Cr in FY25. With a current P/E of 4.8 and a TTM PAT of Rs 53 Cr, the market will be looking for consistency in the high margins reported in recent quarters. The board meeting was brief, concluding within 30 minutes.
- Board approved unaudited standalone and consolidated results for the quarter ended June 30, 2026
- The board meeting was conducted in a 30-minute window from 15:30 to 16:00
- Company reported a TTM PAT of Rs 53 Cr against a market capitalization of Rs 256 Cr
- Previous quarter (Mar 2026) revenue stood at Rs 42 Cr, representing over 58% of the total FY26 revenue
Sera Investments & Finance India Ltd held its board meeting on August 11, 2026, to approve the unaudited standalone and consolidated financial results for the quarter ended June 30, 2026. The meeting was brief, lasting 30 minutes from 15:30 to 16:00 IST. This follows a significant growth phase where FY26 revenue reached ₹72 Cr, a 6x increase from FY25's ₹12 Cr. Investors are awaiting the detailed P&L to see if the high-margin performance (TTM PAT of ₹53 Cr) continues into the new fiscal year.
- Board approved unaudited financial results for the quarter ended June 30, 2026.
- The board meeting commenced at 15:30 P.M. and concluded at 16:00 P.M. on August 11, 2026.
- Company reported a TTM PAT of ₹53 Cr against a TTM revenue of ₹72 Cr.
- Market capitalization stands at ₹256 Cr with a low P/E ratio of 4.8.
- Promoter holding remains stable at 58.15% as per the latest March 2026 data.
Sera Investments & Finance India Ltd has scheduled a board meeting for August 11, 2026, to approve unaudited standalone and consolidated financial results for the quarter ended June 30, 2026. This follows a significant growth year in FY26, where revenue reached ₹72 cr compared to ₹12 cr in FY25. Investors will be monitoring if the strong momentum from Q4 FY26 (₹42 cr revenue, ₹32 cr PAT) continues into the new fiscal year. The company currently trades at a P/E of 4.8 with a market capitalization of ₹254 cr.
- Board meeting scheduled for August 11, 2026, to approve Q1 FY27 results
- Company reported TTM revenue of ₹72 cr as of March 2026
- Net profit for the preceding quarter (March 2026) stood at ₹32.0 cr
- Promoter holding remains stable at 58.15% as of March 2026
Financial Performance
Revenue Growth by Segment
The company operates in a single business segment (NBFC); specific percentage growth for the segment is not disclosed in available documents.
Geographic Revenue Split
The company is based in Ahmedabad, Gujarat; specific regional percentage split of revenue is not disclosed.
Profitability Margins
The company reports narrow margins due to intense competition from global and local rivals; specific Gross, Operating, or Net percentage margins are not disclosed.
Credit Rating & Borrowing
Borrowing costs are influenced by interest rate volatility; specific credit ratings and interest rate percentages are not disclosed.
Operational Drivers
Raw Materials
Capital (funds) is the primary raw material for the NBFC operations; specific percentage of total cost is not disclosed.
Import Sources
Domestic sourcing from Indian banks, financial institutions, capital markets, and public fixed deposits.
Key Suppliers
Banks, financial institutions, and capital markets; specific company names are not disclosed.
Capacity Expansion
The company has 05 permanent employees as of March 31, 2025; expansion plans focus on deeper penetration into hinterland markets and expanding geographical reach.
Raw Material Costs
Borrowing costs are the primary expense; specific percentage of revenue and YoY cost changes are not disclosed.
Strategic Growth
Expected Growth Rate
23.9%
Growth Strategy
The company plans to achieve growth by prioritizing underserved retail markets through a unique relationship-based business model, streamlining customer onboarding via a technology platform, and forming partnerships with private financiers to expand reach without substantial capital investment.
Products & Services
Retail loans and investment services.
Brand Portfolio
Sera Investments & Finance India Limited.
Market Expansion
Targeting hinterland markets and expanding geographical reach to reach unbanked and underbanked populations.
Strategic Alliances
Partnerships with private financiers to expand reach.
External Factors
Industry Trends
The industry is seeing rising digital adoption with a 23.9% CAGR in mobile wallets (2023-2027) and a target of INR 95,00,000 Cr in mutual fund AUM by 2025.
Competitive Landscape
Key competitors include captive finance companies, small banks, Fintechs, and emerging players.
Competitive Moat
The moat is built on a relationship-based business model and strong pedigree in credit appraisal and collection, which is sustainable as it targets underserved markets where local expertise is a barrier to entry for digital-only rivals.
Macro Economic Sensitivity
India's real GDP growth of 6.5% and easing inflation support credit demand and price stability.
Consumer Behavior
Rising disposable income and evolving consumption patterns are driving a shift towards spending and increased demand for consumer loans.
Geopolitical Risks
External risks include political uncertainties, fiscal instability, and rising trade frictions.
Regulatory & Governance
Industry Regulations
The company is regulated as a non-deposit taking NBFC-ICC by the Reserve Bank of India (RBI).
Risk Analysis
Key Uncertainties
Key risks include liquidity risk (inability to fulfill financial obligations), credit risk (borrower default), and fraud risk (loan fraud and identity theft).
Geographic Concentration Risk
Registered office and operations are centered in Ahmedabad, Gujarat.
Third Party Dependencies
Dependency on banks and financial institutions for a diversified funding base.
Technology Obsolescence Risk
Cybersecurity risks from cyberattacks and hacking due to heightened reliance on digital platforms.
Credit & Counterparty Risk
Credit risk is managed through rigorous credit assessment processes and meticulous evaluation of customer cash flows.
