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Regulatory · Financial · Governance

Investor Information.

Quarterly financial results, annual reports, board composition, lender consortium and growth metrics — everything an investor, lender or auditor needs to assess Grow Money Capital is available right here.

Key Metrics

Financial highlights at a glance.

Indicative figures based on FY 2024–25 (audited). Full audited financials available for download below.

₹500+ Cr

Cumulative disbursements

Across all loan products since FY 2013–14.

17.5%

CRAR

Capital adequacy ratio — comfortably above RBI's 15% requirement for Base Layer NBFCs.

<3.2%

Gross NPA ratio

Disciplined underwriting keeps NPAs well within industry benchmarks.

Growth & Quality Metrics

The shape of a decade of lending.

All figures are illustrative for demonstration purposes. Replace with audited numbers before publishing.

Assets Under Management

FY20 — FY25 · ₹ Crore

₹520
↑ 28% YoY
0 150 300 450 600 120 195 280 380 475 520 FY20 FY21 FY22 FY23 FY24 FY25
AUM (₹ Cr)

Annual Disbursements

FY20 — FY25 · ₹ Crore

₹185
↑ 23% YoY
0 50 100 150 200 FY20 FY21 FY22 FY23 FY24 FY25 ₹185 Cr
Annual disbursement

Active Borrowers

FY20 — FY25 · Cumulative

52,400
↑ 31% YoY
0 20k 40k 60k FY20FY21FY22 FY23FY24FY25
Active borrowers

Asset Quality

Gross & Net NPA · %

3.2%
GNPA
0% 2% 4% 6% 8% FY20FY21FY22 FY23FY24FY25
Gross NPA Net NPA

Capital Adequacy (CRAR)

vs RBI minimum 15%

17.5%
+250 bps above req
RBI minimum: 15% 0% 5% 10% 15% 20% 19.5% 19.2% 18.6% 18.2% 17.0% 17.5% FY20FY21FY22 FY23FY24FY25
GMC CRAR RBI minimum

Sector-wise AUM Mix

As of FY25 · % of total

₹520 Cr · Total AUM MSME / JLG — 36% Loan Against Property — 24% Vehicle Financing — 18% Corporate Lending — 14% Supply Chain Finance — 8%
Geographic Footprint

Concentrated in Northern India, growing methodically.

AUM by State

As of FY25 · ₹ Crore

Uttar Pradesh ₹245 Cr Rajasthan ₹155 Cr Haryana ₹120 Cr
21 branches · UP 14 branches · RJ 12 branches · HR
Our Lender Consortium

23+ banks and financial institutions provide our funding.

Diversified across public sector banks, private banks, small finance banks, development financial institutions, NBFCs and impact investors.

Public Sector Bank
Private Bank
Development FI
Small Finance Bank
Small Finance Bank
NBFC
NBFC
Development FI
NBFC
NBFC
Private Bank
Private Bank
NBFC
NBFC
NBFC
NBFC-MFI
NBFC
NBFC
NBFC
NBFC
NBFC
NBFC
Impact Investor
Audited Financials

Annual reports and quarterly results.

PeriodDocumentAuditorPublishedDownload
FY 2024–25Annual Report & Audited FinancialsStatutory Auditors LLPJun 2025PDF · 4.2 MB
Q4 FY25Quarterly Financial Results—May 2025PDF · 1.1 MB
Q3 FY25Quarterly Financial Results—Feb 2025PDF · 980 KB
Q2 FY25Quarterly Financial Results—Nov 2024PDF · 950 KB
FY 2023–24Annual Report & Audited FinancialsStatutory Auditors LLPJun 2024PDF · 3.8 MB
FY 2022–23Annual Report & Audited FinancialsStatutory Auditors LLPJun 2023PDF · 3.6 MB
Corporate Governance

Board composition and committees.

Board of Directors

Manoj Kumar Bansal — Director & Chairman
Neeru Bansal — Director
Devi Dass Agarwal — Independent Director
Gurmeet Singh Grewal — Independent Director

See full profiles →

Committees

  • Audit Committee
  • Risk Management Committee
  • Nomination & Remuneration Committee
  • Customer Service Committee
  • IT Strategy Committee
  • Asset Liability Committee

Statutory Information

CIN: U65999DL2013PTC257123
RBI Reg. No.: B-14.03064
Date of Reg.: 2013
NBFC Classification: Base Layer (NBFC-BL), Non-Systemically Important, Non-Deposit Taking

Corporate Social Responsibility

Beyond credit — our CSR initiatives in financial literacy, women entrepreneurship support, and EV adoption.

View CSR Initiatives
For Treasury, Lender & Rating-Agency Enquiries

Speak directly to our Treasury team.

For institutional borrowing arrangements, rating agency interactions, and lender consortium discussions.

Treasury & Lender Relations

Our Treasury desk handles all institutional lender relationships, NCD/CP issuances, securitisation transactions, and ratings interactions.

Direct line+91 96679 00421
Office211 New Delhi House, 27 Barakhamba Road, New Delhi 110001

What we can discuss

  • Term loan facilitiesDirect lending lines from banks and FIs
  • NCDs & MLDsNon-convertible debenture issuances
  • SecuritisationDirect assignment, PTC transactions
  • Co-lending arrangementsFor NBFCs & banks seeking pool partnerships
  • Rating agency interactionsCRISIL / ICRA / India Ratings / CARE
For institutional investors

Want detailed financials,
covenants or rating reports?

Email investor-relations@growmoneycapital.com or call our CFO's office directly.

Email Investor Relations View Public Disclosures
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