Baid Finserv Limited — PPTs, 31-05-2025: Investor Presentation

1. Financial Highlights:

Baid Finserv’s total income increased to ₹82.54 Cr from ₹66.36 Cr, driven by growth in core lending and other income. EBITDA rose to ₹48.21 Cr from ₹41.63 Cr, reflecting margin expansion. Profit after tax was ₹13.45 Cr versus ₹12.92 Cr, with EPS at ₹1.12. Net worth grew to ₹179.03 Cr and AUM to ₹397 Cr. Net NPA stood low at 0.29%, highlighting strong asset quality. Borrowings increased moderately to ₹255.36 Cr, supporting credit growth.

2. Strategic Initiatives & Growth Drivers:

Rapid expansion in Madhya Pradesh and Gujarat continues, with Maharashtra entry planned next year. Branch network targets 100 by FY26 and 125 by FY27. AUM aims to reach ₹500 Cr and ₹600 Cr over the next two years, supported by 15% monthly disbursement growth. Product diversification includes loans for cars, tractors, commercial vehicles, 3-wheeler EVs, and loans against property. Micro housing, 2-wheeler loans, and co-lending models are in the pipeline. Emphasis on digitalization and AI aims to improve turnaround times and customer experience.

3. Business Developments:

New partnerships with small finance banks expand funding sources and enhance market reach. Technology efforts include real-time vehicle valuation apps and digital payment integrations like NACH and BBPS to streamline collections and reduce manual tasks.

4. Market Position & Competitive Advantage:

Over 33 years of presence in semi-urban and rural Rajasthan, now growing into neighboring states, Baid Finserv benefits from deep local insights and a diversified secured MSME and vehicle loan portfolio. Low NPAs and ~96% collection efficiency demonstrate operational strength. Experienced promoters focus on prudent credit policies and efficient loan origination.

5. Investor Implications:

Positive growth potential driven by geographic expansion, new products, and improving margins backed by strong asset quality and collections. Execution risks include market entry challenges and digital scaling, but funding diversification through partnerships reduces constraints. Baid Finserv appears poised for steady AUM growth with solid margin prospects in semi-urban lending niches.