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#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
#relipay
🚨RNFI Services Limited has been Engaged as Service Provider to provide specialized Services to HFCL (HERO FINCORP LIMITED).🤝🤝🤝🤝
#microcap
#StockMarketIndia #smallcap #investing #trading
More details 👇👇👇👇👇
RNFI Services Limited IPO to open on July 22; company aiming to raise Rs 70 crores
@RnfiServices #IPO #StockMarket #Relipay
https://t.co/y6MeNgHZpI
RNFI Services Limited is going public with their IPO!
Stay tune for more such updates!
#konexionetwork #rnfi #rnfiservices #relipay #sharemarketindia #ipoalert #ipo #nse #nseemerge #ipoannouncement #stockmarket #sme #bse #bsesme
RNFI Services salutes the courage and commitment of the Indian Navy on Navy Day. Your dedication inspires us. Thank you for safeguarding our nation's maritime boundaries. #NavyDay #IndianNavy #relipay #fintech
Relipay ke DMT suvidha dawaara kare graahako ki zarooratein poori aur kamaye lajawaab commission!
For more information please WhatsApp us at: 9864977516
#relipayofficer #relipay #commission #suvidha #DomesticMoneyTransfer #moneytransfer #anywhereinIndia #DigitalIndia
We are elated to announce that 𝐰𝐞 𝐡𝐚𝐯𝐞 𝐩𝐚𝐫𝐭𝐧𝐞𝐫𝐞𝐝 𝐰𝐢𝐭𝐡 @FinoPaymntsBank , we look forward to continue empowering our Relipay Officers and thereby revolutionize the way India Banks..!!
#relipay #rnfiservices #finopaymentsbank #financialinclusion #digitalindia
Ab apne grahako ko de asaan 𝐜𝐚𝐬𝐡 𝐰𝐢𝐭𝐡𝐝𝐫𝐚𝐰𝐚𝐥 ki suvidha aur kamaye lajawaab 𝐜𝐨𝐦𝐦𝐢𝐬𝐬𝐢𝐨𝐧 har 𝐌𝐢𝐜𝐫𝐨-𝐀𝐓𝐌 withdrawal par!
#MicroATM #Commission #Aeps #AadhaarPay #RuralFintech #DigitalDukaan #DTH #Recharge #EarnMore #Digitalvillage #Ruralindia #Relipay
Offer your customers the convenience of 𝐡𝐚𝐬𝐬𝐥𝐞-𝐟𝐫𝐞𝐞 𝐛𝐚𝐧𝐤𝐢𝐧𝐠 while earning 𝐡𝐢𝐠𝐡 𝐜𝐨𝐦𝐦𝐢𝐬𝐬𝐢𝐨𝐧𝐬 on each transaction with 𝐑𝐞𝐥𝐢𝐩𝐚𝐲’𝐬 𝐀𝐄𝐏𝐒 services.
#Minibank #AePS #Aadhaar #Rnfi #Rnfiservices #relipay #aeps #moneytransfer
𝐍𝐢𝐯𝐞𝐬𝐡 𝐞𝐤, 𝐟𝐚𝐚𝐲𝐝𝐞 𝐚𝐧𝐞𝐤. Aaj hi bane 𝐑𝐞𝐥𝐢𝐩𝐚𝐲 officer aur apne business ko de ek nayi udaan.
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#Nivesh #FaaydeAnek #Relipay #RNFI #Business #MondayMotivation #rnfiservicesofficial #rnfiservices
Ab 𝐑𝐞𝐥𝐢𝐩𝐚𝐲 ke saath apne 𝐛𝐮𝐬𝐢𝐧𝐞𝐬𝐬 𝐤𝐨 𝐬𝐮𝐫𝐚𝐤𝐬𝐡𝐢𝐭 kare sirf kuch hi minute me bina kisi pareshaani ke. Toh phir der kis baat ki? Aaj hi apply kijiye aur apne dukaan ko secure kijiye!"
#business #Relipay #RNFI #RnfiServices #shopkeeper #Insurance
May the holy month of 𝐑𝐚𝐦𝐚𝐝𝐚𝐧 bring you renewed faith, strengthen your spirit, and fill your heart with joy and peace. 𝐑𝐚𝐦𝐚𝐝𝐚𝐧 𝐌𝐮𝐛𝐚𝐫𝐚𝐤 to all from 𝐑𝐞𝐥𝐢𝐩𝐚𝐲.
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#Ramzan2023 #fasting #Ramdan #Mubarak #RamdanKareem #rnfi #rnfiservicesofficial #Relipay
On this water day, let us remember that every drop of water counts. So let’s make sure that we don't let our world dry up. 𝐑𝐞𝐥𝐢𝐩𝐚𝐲 wishes all a very Happy 𝐖𝐨𝐫𝐥𝐝 𝐖𝐚𝐭𝐞𝐫 𝐃𝐚𝐲!
#WorldWaterDay #WorldWaterDay2023 #विश्व_जल_दिवस #rnfi #rnfiservicesofficial #Relipay
Maximize your earnings with 𝐑𝐞𝐥𝐢𝐩𝐚𝐲! Sign-up your customers for 𝐜𝐫𝐞𝐝𝐢𝐭 𝐜𝐚𝐫𝐝𝐬 and 𝐞𝐚𝐫𝐧 𝐜𝐨𝐦𝐦𝐢𝐬𝐬𝐢𝐨𝐧, not just by referrals but also through 𝐜𝐫𝐞𝐝𝐢𝐭 𝐜𝐚𝐫𝐝 𝐛𝐢𝐥𝐥 𝐩𝐚𝐲𝐦𝐞𝐧𝐭𝐬.
#Relipay #CreditCard #BillPayment #rnfi #rnfiservicesofficial
Here are the 𝟒 things that your 𝐜𝐮𝐬𝐭𝐨𝐦𝐞𝐫 𝐧𝐞𝐞𝐝𝐬 in order to carry out an 𝐀𝐚𝐝𝐡𝐚𝐫 𝐏𝐚𝐲 𝐭𝐫𝐚𝐧𝐬𝐚𝐜𝐭𝐢𝐨𝐧 with 𝐑𝐞𝐥𝐢𝐩𝐚𝐲.
#Minibank #AePS #Aadhaar #Rnfi #Rnfiservices #relipay #commission #aeps #moneytransfer #bbps #mobilerecharge #microatm
Wondering how you can cancel the 𝐏𝐍𝐑 that you booked with the help of 𝐑𝐞𝐥𝐢𝐩𝐚𝐲? Just follow these 𝟑 𝐞𝐚𝐬𝐲 𝐬𝐭𝐞𝐩𝐬!
For more information please
WhatsApp us: 9864977516
#indianrailways #railfans #india #railways #rail #train #trains #rnfi #relipay #DigitalDukaan
Wondering how you can cancel the 𝐏𝐍𝐑 that you booked with the help of 𝐑𝐞𝐥𝐢𝐩𝐚𝐲? Just follow these 𝟑 𝐞𝐚𝐬𝐲 𝐬𝐭𝐞𝐩𝐬!
#indianrailways #railfans #india #railways #rail #trains #rnfi #relipay #rnfiservicesofficial #rnfiservices #irctc #irctctourism #irctcofficial
Urgent 𝐏𝐀𝐍 𝐜𝐚𝐫𝐝 𝐫𝐞𝐪𝐮𝐢𝐫𝐞𝐦𝐞𝐧𝐭? 𝐑𝐞𝐥𝐢𝐩𝐚𝐲 has got you covered! Just walk to your closest 𝐑𝐞𝐥𝐢𝐩𝐚𝐲 retailer and apply for an 𝐞-𝐏𝐀𝐍 𝐜𝐚𝐫𝐝 and get it within 𝟏 𝐡𝐨𝐮𝐫. Simple, fast, and hassle-free!
#PanCard #rnfi #rnfiservicesofficial #relipay
Are you in a situation where you made the payment but the 𝐏𝐍𝐑 still did 𝐧𝐨𝐭 𝐠𝐞𝐭 𝐠𝐞𝐧𝐞𝐫𝐚𝐭𝐞𝐝? If yes, then here are the steps that you should follow.
#railways #rail #train #rnfi #relipay #rnfiservicesofficial #rnfiservices #irctc #irctctourism #irctcofficial
Now every Relipay retailer will play their part in India’s digital revolution by providing their customers with over 900+ Central and State Government services which they can access via their Relipay mobile app.
#Relipay #mobileapp #rnfi #rnfiservices #fintech #RelipayApp
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