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RNFI Services posted strong financial results for Q4 and the full year ended March 31. Full-year revenue grew 6% to 968.6 Cr, with PAT soaring 61% to 32.4 Cr. Q4 saw revenue up 12% to 239.3 Cr and PAT up 56% to 8.4 Cr. Margins expanded due to automation and a strategic shift to higher-margin businesses like loan collections, offsetting a decline in lower-margin DMT volumes after regulatory changes. Active Sahayaks grew 16% to 2.4 lakh, with ARPU at ₹1108. Net worth increased 51% to 169.7 Cr, and ROE improved to 27.5%.
The company's strategy focuses on technology-led last-mile distribution, expanding products per Sahayak and partner across Bharat. RNFI is investing heavily in AI and digital capabilities, launching AI-enabled solutions like XCode and PGex, and leveraging an in-house chatbot.
Recent developments include discontinuing the PPI DMT business due to revised RBI guidelines, but new opportunities emerged with UPI Cash Withdrawal, an AD-II license for foreign trade transactions, and new loan referral partnerships. RNFI also expanded its insurance broking and recovery agency services.
Management indicates FY26 was the beginning of a strategic expansion cycle, with profitability expected to jump 40-45% in FY27, driven by operating leverage and market penetration as they scale tech platforms and build future-ready regulated businesses.