Top Tweets for #RNFi
**SME News Bulletin 2026-07-06**
[Appointments and Board Meeting Outcomes]
#RNFI - RNFI Services Limited Appoints Sameer Nagpal as Group COO Starting July 6, 2026
#ACCENTMIC - Accent Microcell Limited Board Meeting Outcome July 06, 2026
#ACCENTMIC - Accent Microcell Limited announces board meeting outcome on July 06, 2026
#KODYTECH - Kody Technolab appoints Milan Shah as additional independent director
#KODYTECH - Kody Technolab Limited reports change in director(s)
#ANLON - Anlon Technology Solutions Board Meeting Outcome July 06, 2026
#KRISHCA - Krishca Strapping Solutions Board Meeting Outcome July 06, 2026
[Partnerships and Contracts]
#VEEFIN - Bank of India partners with PSB Xchange to expand digital supply chain financing, boosting access to working capital for dealers and MSMES
#FAALCON - Faalcon Concepts Limited Receives Rs. 101.92 Crore Work Order from Splendor Information Technology for Aluminium Glazing Façade
#SIYARAM - Siyaram Recycling Secures Rs. 98,41,200 Order from Micronova Industries
#SATTRIX - Sattrix Information Security Receives ₹125.06 Million in Purchase Orders, Demonstrating Strong Market Presence
#CUDML - Cash Ur Drive Marketing Limited Secures New Orders/Contracts
[Capacity Expansion and Manufacturing]
#Sunlite - Sunlite Recycling Industries announces capacity expansion in press release
#WOL3D - WOL 3D India Limited announces capacity expansion with new filament manufacturing machine
[Financial Updates and Approvals]
#REXSEAL - Rex Sealing and Packing Industries Ltd. reports no defaults on loans for Q2 2026
#ZTECH - Z-Tech (India) Limited Receives Approval for 101200 Equity Shares Conversion
#DELAPLEX - Delaplex Limited discloses financial results for H1 and FY 2026 in investor presentation
#SBLI - SBL Infratech Limited Changes Corporate Office Location and Receives NOC for Name Change to Natural Agro Zone Limited
**SME News Bulletin 2026-06-26**
[Equity Shares Listing Approval]
#RNFI - Company receives approval to list 296,292 equity shares on NSE after warrant conversion
[Promoter Changes and Updates]
#PRESSTONIC - Presstonic Engineering reports demise of promoter group member
#MAGSON - Magson Retail receives request for reclassification from promoter to public category under SEBI regulations
#GEL - Promoter of Gautam Exim Limited sells 5,01,000 equity shares, submits form under regulation 29(2) to BSE Limited
[Company Announcements and Approvals]
#VIVAA - Vivaa Tradecom Limited Announces Approval of Rs. 15 Crores Rights Issue for Eligible Shareholders
#APS - Australian Premium Solar (India) Limited Announces Acquisition
#SUNREST - Sunrest Lifescience Limited announces board meeting outcome on June 26, 2026
#ONDOOR - On Door Concepts receives in-principle approval for 20,00,000 convertible warrants issuance
#ZENITHDRUG - Zenith Drugs Limited announces board meeting outcome on June 26, 2026
#DUCOL - Ducol Organics Board Meeting Outcome Revealed on June 26, 2026
[Company Performance and Contracts]
#MASTER - Master Components Limited Secures New Orders/Contracts
#KONSTELEC - Konstelec Engineers Bags Orders Worth ₹15,09,10,631.68 from PDIL
[Management Appointments]
#CPS - CPS Shapers Limited appoints Mr. Gnanasekar Baskaran and Mr. Rohit Prasad as senior management personnel
[Financial Updates]
#YCCL - Yasons Chemex Care Limited revises financial statements for half year ending March 31, 2026
[Credit Rating Upgrade]
#ABSMARINE - ABS Marine Services Upgraded by CRISIL Credit Rating
[Company Expansion]
#ROXHITECH - Rox Hi-Tech Limited Opens New Office at Elcot SEZ, Trichy
#SME #RNFI #Relipay #RNFIServices
RNFI Services Limited Q4 FY26 Concall Highlights
👉FY27 & Future Outlook
▫️Management guidance: 40-45% YoY PAT growth for FY27
💠Continued capacity-building investments (distribution expansion, field force, merchant acquisition, infrastructure) flowing through P&L in H1 FY27; benefits expected to accelerate in H2 FY27 and beyond.
💠Key growth engines: Insurance distribution, delinquent loan collections, CMS, and PaySprint (already delivering ~100% YoY growth).
💠Topline growth also expected alongside profitability focus; shift from low-margin DMT (high-volume, low-contribution) to diversified high-margin businesses will support both top and bottom line.
▫️Longer-term positioning:
💠Full transition into Phase 3 – Balance Sheet Builder (CASA, loans, deposits via large private-bank partnerships); mutual-fund savings product for Sahayaks targeted for Q2/Q3 FY27 launch.
💠Disciplined capital allocation with historical payback of 6-12 months on similar investments; emphasis on sustainable, profitable growth over short-term optimisation.
👉Current Business Scale / Key Projects and Future Pipeline:
▫️Granular base:
💠2.4 lakh+ active Sahayaks (merchant touchpoints) serving 130 partners (95 BFSI)
💠Offering 26 products at ARPU ₹1,108 per Sahayak pm; highly fragmented with no single Sahayak >0.1% of revenue and low concentration risk.
💠Strong rural/semi-urban Bharat footprint + trusted retailer network + in-house Relipay tech platform (deep partner integration, AI-driven efficiency, real-time operations).
▫️Pipeline of high-potential initiatives (already in execution or early launch):
💠UPI Cash Withdrawal – launched (first-mover with Jio Payments Bank); nascent but massive addressable market (~₹25,000 Cr/month); current ~4.5-5% share expected to scale significantly (no additional hardware required for agents).
💠AD-II license upgrades – foreign trade transactions now up to ₹25 lakh per txn; appointment of Forex Correspondents (FxC) enabled; building capacity during current low cycle for future ramp-up.
💠Loan referral partnership with leading private-sector bank + insurance broking expansion.
💠Registration secured for mutual-fund distribution; savings product rollout for Sahayaks in Q2/Q3 FY27.
💠RBI BC/BO draft guidelines expected to boost CRA & CMS business.
💠PaySprint subsidiary scaling rapidly; multiple new portals (mutual funds, loans, forex) under development.
💠Tech capex remains modest (~₹10-12 Cr group-wide, mainly new projects); majority of growth investments continue to be expensed through P&L.
👉Other Notable Points:
▫️FY26 performance:
💠PAT ≈ ₹32.5 Cr (+62% YoY) despite regulatory headwinds in DMT (volumes declined 69%)
💠PPI DMT business discontinued w.e.f. 31 Dec 2025, ~₹4 Cr bottom-line impact
💠Investments in distribution, sales teams, collections, telemarketing, merchant onboarding, and organisational capacity largely expensed through P&L (as per financial model: upfront capacity building on P&L, near-zero marginal cost thereafter → strong operating leverage).
💠Working-capital intensity increased (new higher-margin businesses + DMT changes) but more than offset by margins; deliberate shift to higher-return verticals.
💠What went right in FY26: New opportunities unlocked (UPI Cash Withdrawal, AD-II enhancements, loan referrals, insurance expansion, RBI BC/BO guidelines, ARN for MFs).
💠Competitive edge reinforced: Integrated tech scalability, highest products-per-Sahayak, lowest distribution cost, superior LTV/CAC; flywheel of more Sahayaks → more products → more partners → higher throughput → exponential growth
💠AI being deployed in support functions to optimise costs/manpower or significantly scale volumes.
▫️Q&A emphasis:
💠Track bottom-line and 2-3 year CAGR over QoQ volatility
💠Full transparency assured on material changes; subsidiaries now meaningfully contributing; balance short-term profitability with decisive long-term capacity building.
💠Granular product portfolio (no single product >8% of PBT)
👉Mainboard stocks often get all the attention but some of the most compelling businesses are hiding in plain sight — on the SME Platform.
👉Smaller. Less covered, though noisy at times. Yet occasionally, genuinely exceptional.
———
👉Introducing SME Gems — a new independent series on Hidden Champions of the SME Platform :
💠 OBSC Perfection
💠 Aimtron Electronics
💠 Yash Highvoltage
💠 CFF Fluid Control
💠 DSM Fresh Foods
��� L.T. Elevator
💠 Monolithisch India
💠 GSM Foils
👉Across Different Sectors. One common place.
🔗 https://t.co/Sto1a1qHIQ
👉Stay tuned for more insights
———
⚠️ For educational purposes only. Not investment advice. Please DYODD.
#SMEGems #SMEPlatform #HiddenChampions #SME
RNFI Services Ltd (SME) Q4FY26 Results:-
#Q4Results #Q4FY26 #Stockmarket #Nifty #RNFI
Revenue 239.34 Cr vs 214.49 Cr
(+11.58% YoY┃-7.17% QoQ)
EBITDA 15.97 Cr vs 9.11 Cr
(+75.33% YoY ┃-4.66% QoQ)
EBITDA Margin 6.67% vs 4.25% YoY & 6.50% QoQ
PBT 11.52 Cr vs 7.18 Cr
(+60.46% YoY┃-8.42% QoQ)
PAT 8.36 Cr vs 5.35 Cr
(+56.15% YoY┃-12.24% QoQ)
PAT After Minority interest 7.59 Cr vs 4.56 Cr
(+66.37% YoY┃-9.30% QoQ)
Other Income 1.24 Cr vs 2.98 Cr YoY & 0.71 Cr QoQ
#RNFI @ 285
Stock still near its Pref price of 270
Expecting solid margin expansion and good results
Thesis 👇🏻
- Long-term vision to build a scalable, trust-based BFSI platform acting as a force multiplier for banks and financial institutions.
- Strong emphasis on transparency and governance. Promoter shares parked in a trust; transfer completed.
- Independent board structure.
- Voluntary early compliance with NSE & LODR requirements.
- Promoters KMP subscribed to 17.6% of warrant issue in Oct 2025, at 270/- per share and current price is in same range in May 2026.
- RNFI operates a B2B2C platform model connecting Banks / BFSIs / Insurance companies. Products (banking, insurance, payments, forex, collections, etc.) sold through Ground-level agents Sahayaks.
- Platform handles compliance, FRM, accounting, reconciliation & technology, enabling scalability.
- Plan to Increase agents, clients and products without proportionate increase in manpower.
- Pan-India presence covering a large number of PIN codes. Growing base of active sites and monthly transaction volumes. Client count increased from 5 clients in FY21 to 112 clients in FY26.
- Increasing cross-sell intensity: 8 new clients added with at least one product in H1. Several clients migrated from single product to multiple product.
- Multiple new partnerships with banks and financial institutions. Launch of in-house tele-marketing insurance portal.
- Paysprint is the company where they hold 67%. Launch of Escrow & Excode products. Fundraise completed at INR 120 Cr valuation.
- RNFI Received ISNP approval from IRDAI.
- Large-scale doorstep banking engagement with a universal bank - expected to be highly scalable.
- AD-II (Authorised Dealer Category-II) license received for forex/remittance business.
- Launched : Cash Management Services (CRA role), Motor Insurance (ReliAssure platform) and Air Ticketing platform (B2B2C via Sahayaks).
- In line RNFI Money Forex Portal (post bank integration). Out of 12 planned products:
- Aggressive deployment of AI & automation to reduce manpower dependency.
- In-house development of: OCR & identity verification, Auto fund-clearing requests, Automated reconciliation (Python-based), Proprietary dialer system (cost reduction in collections business which has a huge TAM).
- Shift toward higher-margin products, leading to Non-forex PAT margin improvement to 6.5% vs 4%.
- ARPU impacted temporarily due to Payworld consolidation. Normalised ARPU expected to trend higher going forward.
- Active site base increased by 18.8% HoH. Management confident of sustained ARPU expansion as mix improves.
- DMT Business : Decline already absorbed; no further downside expected.
- Historically high volume, very low margin. Replacement with diversified, higher-margin products underway.
- Forex & Remittance Business : AD-II license received. Systems ready; bank integrations in progress.
- Expecting a gradual scale-up from Q4 FY26, with stronger traction in FY27.
- Focusing on Outward remittances, Forex card, Lower working-capital intensity vs physical currency business.
- Paysprint : As per last concall Management expects profitability improvement from Q4.
- Payworld : Active agents: 40,000 (post consolidation). Short-term agent decline due to cost rationalisation.
- Expected hockey-stick recovery post consolidation.
- IPO funds largely unspent on opex; used for working capital. INR 25 Cr still unutilised.
- Preferential issue: Working Capital required more in CRA business, Insurance expansion, AD-II & cross-border remittance opportunities, Proposed composite insurance license.
- Margin trajectory expected to improve further.
- Product diversification remains key growth lever.
- Focus remains on B2B2C model via Sahayaks, not cash-burn heavy B2C expansion.
- Strong belief in technology-led scalability and compliance-first execution.
**SME News Bulletin 2026-05-01**
[Regulatory Updates]
#TAC - TAC Infosec Limited Receives Letter from SEBI
#TAC - TAC Infosec Limited discloses information under SEBI regulations
#RNFI - RNFI Services Limited discloses credit rating update to exchange
[Contract Wins]
#PARIN - Parin Enterprises secures new contracts from Airport Authority of India
[License and Approval Updates]
#JAYBEE - Jay Bee Laminations Limited Receives Key Licenses and Regulatory Approvals
#VR - V R Infraspace Limited Receives Electrical Contractor License from Government of Madhya Pradesh
[Financial Performance]
#BIZOTIC - Bizotic Commercial Limited Reports 126.33% Year-on-Year Revenue Growth, Positioned for Breakout Growth
#ALUWIND - Aluwind Infra-Tech Limited reports financial results for Q1 2026
[Board Meeting Outcomes and Changes]
#SHEETAL - Sheetal Universal Limited announces outcomes of May 01, 2026 board meeting
#ANLON - Anlon Technology Solutions Board Meeting Outcome May 01, 2026
#MHHL - Mohini Health & Hygiene Limited announces outcomes of May 01, 2026 board meeting
#MHHL - Revised outcome of board meeting announced
[Investor Relations]
#GRCL - Gayatri Rubbers and Chemicals Limited Investor Presentation Update
#BAHETI - Baheti Recycling Industries Limited Informs Exchange About Investor Presentation
[New Orders and Expansion]
#KPGEL - KP Green Engineering Secures ₹507.94 Crores in New Orders Across Renewable and Transmission Sectors
#DPEL - Divine Power Energy Limited announces capital expansion
[Equity Shares Allotment]
#AMBEY - Company allots 3,63,043 equity shares post board meeting
[Key Personnel Changes]
#MHHL - Mohini Health & Hygiene Limited appoints new officer effective June 1, 2026
#MHHL - Mohini Health & Hygiene Limited appoints Mrs. as new board member starting May 1, 2026
#MHHL - Mohini Health & Hygiene Limited announces retirement of internal auditor Ashok Chajjed & Associates effective June 1, 2026
[Partnership Strengthening]
#ANLON - Rosenbauer CEO strengthens partnership with Anlon Technology Solutions in India
#SME #RNFI #RNFIServices
RNFI Services Q3 FY26 Concall Highlights:
👉FY 2026 & Future Outlook :
▫️Targeting 40-50% YoY growth in non-Forex revenue (provided conditions/regulations remain stable)
💠9M FY26 Revenue muted due to Domestic Money Transfer (DMT) regulatory impact (OTP to Aadhar Biometric) of ~₹25-30 Cr lag; impact now stabilized, enabling sequential revenue growth from Q4 FY26
💠Non-Forex at ~₹347 Cr with 12% YoY growth in 9M FY26
💠Non-Forex PAT Margin ~6.9%; Net PAT Margin ~3.3% in 9M FY26
▫️Margin expansion due to automation efficiencies (implemented over last 4-5 months), loan/EMI collections, orchestration, and tech-led verticals (Travel, CRA, Insurance platform showing momentum)
💠Anticipate sequential revenue/PAT uplift in Q4 FY26 and beyond led by value-accretive segments
💠Long-term (few years): Scaling via diversification (non-BFSI clients, AI integration)
💠No specific % guided due to variables/new product traction
▫️Forex-specific: Margins to rise massively post-AD-2 license (blended take rate ~1-1.4-1.5%
💠Remittance to boost as currency commoditization reduces topline distortion
💠Full launch Q1 FY27, with pilot ending soon
👉Current Projects:
▫️Metrics:
💠Active Sahayaks (sites/agents) at 2.2 lakh (up 8% YoY, including Payworld integration; focus shifting to product cross-sell over pure addition)
💠Daily transactions 1.3M+ (up 28% QoQ)
💠ARPU ~₹1,183 (muted YoY due to Payworld inclusion/integration fallout; standalone RNFI ARPU up 12-14% to ~₹1,300)
💠Cross-sell: 15% growth in 4+ product bucket per site
▫️Key ongoing projects:
💠Insurance telemarketing call centers launched (invested in Q3, revenue ramp in coming quarters)
💠SprintXPro platforms scaling with revenue traction; ContractX launched (beta in days, interest from banks/corporates)
💠Forex remittance pilot (with 2 banks, full launch Q1 FY27; expands to 16-17 products)
💠Doorstep banking pilot completed with 1 scheduled commercial bank (signed another, more in pipeline)
💠Motor insurance portal (via ISNP permission) launched
💠Other active: Appointed recovery agent for Bank of India/Punjab National Bank (plus 2-3 dozen clients)
💠RNFI Money added 6 branches; Relia Insurance added 2
💠AD-2 license enables non-BFSI diversification; AePS business muted (stable but not explosive)
▫️PaySprint: Revenue ~₹70 Cr (9M), PAT ~₹3.5 Cr; better Q4 expected; high-revenue APIs: Connected Banking & Verification Stack at 75-80% of topline
💠DMT down 75% but offset by tech shift
👉Pipeline:
💠Mutual fund distribution launch imminent (targeting daily savings scheme via Bachat app; leveraging large retail base for >₹50 Cr AUM ramp)
💠Composite insurance license application soon (delayed but completed)
💠Reinsurance broking license apply in 2-3 weeks (client-driven, no extra capital; adds to cross-sell)
💠Loan collections: Targeting 3x growth in few years (tech optimization for volume/margin uplift)
💠PaySprint: Escrow/Contract platforms to contribute soon (annuity income focus)
💠Claims AI integrations as game-changer (limited details shared)
💠New products: 2 more launches (total 6 since Q2); Non-BFSI client additions via AD-2; Global exports scaling (Forex/remittance)
👉 Others :
▫️Financials: Warrants/IPO funds for rapid expansion (10-year journey: First 5 build-up, next 3 profits reinvested, post-IPO scaling)
▫️Business model/Strategy:
💠Platform-based (Relipay as infra)
💠Diversified profitability (no single vertical dominance; payments high-revenue/low-margin vs. collections/insurance low-revenue/high-margin)
💠Tech differentiation via 90-member in-house team/AI (UI/query resolution/training key for Sahayak stickiness)
💠Regional mix product-based (Forex in Delhi/Mumbai, Insurance in Gujarat, AePS in Bihar/Odisha/Bengal, Sprint in Tier-1/2)
💠P&L-intensive (expansions hit short-term profits but build long-term; balancing growth/profitability)
▫️Challenges/Insights: Cross-sell takes time (trust-building with banks; 35-40% products with some, full with others)
💠Sahayak value: Tech/UI/diversified products/training drive loyalty/income growth
💠No balance sheet intensity (unlike peers)
@JulienOdoul @Frontieresmedia Tu as raison Julien !
Ça fait moins longtemps....mais les Français payent pour des personnes qui ont détournés de l'argent public !
Je te précise pas qui.....tu t'en doutes sûrement....
#RNFi
RNFI Services :
Looks good with a lot of new products being launched and with improving margins.
Can Sardarji deliver ? Instinct says "Yes"
Few Notes 👇
#RNFI
@perebenemari #RNFI a tout fait pour rendre le budget invotable à coup de matraquage de taxes (+ de 30 Mds !) poir ensuite se faire passer pour les d��fenseurs du peuple qu'ils ont eux-mêmes écrasé.
#Populisme
Après cette annonce, vous allez avoir tous les médias et son long défilé d'intervenants membres de la #CinquièmeColonne qui vont tout faire pour minimiser, dénigrer cela
Ce n'est certainement pas les Pro Russes #RNFI ni les trouillards #PS #LR qui auraient signé un tel contrat
🔴 Accord France/Ukraine pour l’achat de 100 Rafale français
🗣️ "Nous sommes déterminés à renforcer nos sanctions contre la Russie. L’Ukraine appartient à la famille européenne", affirme Emmanuel Macron
#SME #RNFI #RNFIServices
RNFI Services H1 FY26 Concall Highlights:
👉FY 2026 & Future Outlook :
▫️Emphasized a cautious approach, stating they cannot provide formal guidance due to regulatory constraints
💠Expect continued revenue stability and growth through H2 FY26, driven by scaling new products and Forex revival
💠PaySprint (material subsidiary) reported H1 topline of ₹71 Cr; H2 is projected to exceed H1 figures, with overall consolidated revenue targeted to grow
💠H1 FY26 consolidated revenue stood at ₹471.4 Cr, a modest growth despite a 49% decline in domestic money transfer volumes due to regulatory changes. This was offset by diversification into higher-margin products (e.g., non-forex segments grew to ₹220.7 Cr, up 6.7%).
💠ARPU was ₹1,294 for H1 FY26, but temporarily diluted by lower-ARPU payroll agents; management expects a rebound to ~₹1,400+ levels, supporting higher topline.
💠Market rumors of ₹40 Cr PAT for FY26 were dismissed as speculation
▫️Expect further PAT margin expansion in H2 FY26 and FY27, targeting 7%+ overall, as new products mature and Forex ramps up (post-AD2 license)
💠Q2 FY26 PAT margin already hit 4% (up from 3% YoY).
💠Shift from low-margin businesses (e.g., Forex scaled down to 0.1% of revenue for capital optimization; DMT contributed ~₹30 Cr less) to higher-margin alternatives, aided by AI-driven cost reductions
▫️Quarterly results disclosure starting now (beyond SME norms).
👉Projects and pipeline:
▫️Client Integrations: Added 18 new clients on a single product in H1 FY26, plus 11 clients upgrading to 2+ products (total clients: 112, up from 82 at end-FY25)
💠This includes strategic pilots like doorstep banking with a major universal bank (deemed "highly scalable") and co-branded banking expansions.
▫️Active Deployments: 1.9 lakh active agents across 17,700+ PIN codes, processing 3.1 Cr+ monthly transactions
💠Non-forex module penetration at 6.5% of active base, with ARPU contributions from integrated products (e.g. modules covering compliance, FRM, and accounting).
▫️AI-driven tools: In-house OCR/identity verification, auto fund request clearing, and automated reconciliation systems deployed, reducing manpower needs.
▫️Forex Operations: Beta launch of Relimoney Forex Portal for B2C bookings; AD2 license received ~20-25 days prior (integration with 4 major banks, 2 live soon; SWIFT/banking APIs tested/in-process).
▫️PayVault: 40,000 active agents (consolidated post-RNFI integration; UPI for foreigners product live, loading via credit cards for revenue cut).
▫️Tech Infrastructure: In-house dialer system for collections; ISO compliance at PaySprint; digital POS onboarding for insurance agents.
▫️Recent Wins: Funds raised in PaySprint; IRDAI approval for Reliassure; launches of Sprint EXcrow/EXcode in PaySprint; insurance telemarketing portal operational
▫️Pipeline:
💠 Product Launches: Of 12 new products announced previously, 3 launched (motor insurance on Reliassure portal, air ticketing B2B2C platform, cash replenishment/agency services); 1 imminent (RNFI Money Portal for forex cards/remittances in 2-3 months, post-RBI nod)
💠Remaining 8 in development, rolling out in phases (2-3 per quarter) to align with marketing bandwidth—focus on B2B2C via Agent network initially, expanding to B2C.
💠Expansion Areas: Forex remittance/card business (targeting 18 LRS categories, including students; margins 0.5-2% based on corporate/retail); PPI license application to RBI (expected soon); co-lending/insurance scaling with working capital from recent fundraise
💠Geographic/Scale Targets: Pan-India push, with North India priority (starting from Delhi); regional growth tied to bank requirements
💠 Aim: Stagnant employee base (1,900+) while scaling clients/products/Agents
💠Strategic Moves: Potential demerger of PayVault/PaySprint for valuation unlock (post-scale); warrant allotment recently done
👉 Others :
▫️Declines and Mitigations: DMT business down further (no recovery expected due to regulations; minimal PAT impact as it was low-margin)
💠Forex intentionally scaled back (to ₹1.2 Cr revenue) for capital efficiency—full ramp-up post-licenses.
▫️Fundraise and Utilization: Preferential warrants raised for working capital (AD2 remittances, insurance expansion); ~₹25 Cr of IPO proceeds unutilized as of H1 end
💠No immediate demerger plans, but under internal discussion for future
▫️AI/Tech Focus: Heavy investment in proprietary tech (e.g., Python/ML reconciliation, face-match algorithms) for cost reduction and scalability
▫️Governance All promoter shares pooled in a trust; promoter group relinquished 12.7% stake in PaySprint to RNFI (now 65% owned); 4 independent directors
▫️Group Structure: Diversified into 9+ entities (e.g., Relipay for BC services, Paysprint for EMI/collections, Reliassure for insurance); RNFI shareholding in Paysprint at 65%
▫️Q2 Specifics: Revenue ₹221.8 Cr; PAT ₹8.8 Cr; EBITDA margins improving
#RNFI SERVICES RESULTS. H1 FY26 SME RESULTS. Rs.387 was at 48 p/e. Now 38x 👍
500Cr should be easy in H2!
H1 FY26 Vs.H2 FY25
REV: 475Cr Vs 463Cr 👍
PAT: 14.5 Cr Vs 11Cr 👍 Margin improved👍
(May Compare with H1FY25 Rev=Rs.461Cr & PAT=Rs.9Cr )
TTM Vs FY25
REV: 938Cr Vs 924Cr 👍
PAT: 25.5Cr Vs 20Cr 👍
#RNFI RESULTS H1 FY 2026
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