Investor Presentaiton
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Substantial Opportunity Ahead in Maharashtra
Significant AUM and earnings growth led by Gold loan branch
build out and franchisee model in Maharashtra.
Maharashtra is home to ~7 Mn or 11% of India's MSME
businesses.
Market share of small and mid size lenders in Gold and MSME
loans in Maharashtra is extremely fragmented.
We firmly believe there is a significant opportunity for us to gain
extremely profitable market share with capital efficiency and
superior risk adjusted margins given our expertise in these two
segments.
DFL is poised for substantial value accretion from Gold, MSME and
Franchisee Model in Maharashtra
1) Gold and MSME Potential in Maharashtra
2) Dhanvarsha Financial Inclusion Stores - Distribution with Scale
The company has onboarded 200 Financial Inclusion Stores until
June 10th Guidance for onboarding 1,500+ Stores by March
2022.
MSME Loan Market Share - Maharashtra
In INR Bn
Gold Loans Market Share - Maharashtra
In INR Bn
FLA
MSME Loan MH
82%
March 2022 P
25,308 Customers
60 Branches
MSME Loan MH
March 2023 P
98,352 Customers
120 Branches
Gold Loan MH
March 2024 P
2,22,911 Customers
200 Branches
76%
Top 5
Players
Gold Loan MH
March 2025 P
57
4,34,115 Customers
Financial Inclusion Stores - Count
284
390
275 Branches
475
99
99
Source: SDG National Indicator Framework - Progress Report 2021; and BDO Research
Investor Presentation | www.dfltd.in
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