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DMI FINANCE PRIVATE LIMITED
DMI Finance Private Limited (DFPL) is a Delhi-headquartered, RBI-registered non-banking financial company incorporated in September 2008. It was originally engaged mainly in secured corporate lending, largely to real estate builders. From around FY2018 the company pivoted decisively toward digital, technology-driven retail lending — consumption loans, personal loans and MSME loans — sourced almost entirely through API-based partnerships with fintechs, original equipment manufacturers (OEMs), telecom players, payment companies and technology-driven aggregators, rather than its own branch network.
Sector Focus
Finance (NBFC)
Highest Credit Rating
by
Listing (Debt)
BSE
Date of NBFC License by RBI
2009
Business & Products
Consumption loans, personal loans and MSME loans
Key Management Personnel
Bonds issued by DMI FINANCE PRIVATE LIMITED
Financial Performance
| Particulars | FY26 (₹ in cr) | FY25 (₹ in cr) | FY24 (₹ in cr) |
|---|---|---|---|
| AUM | 7,604.79 | 8,486.19 | - |
| NET WORTH | 6,975.57 | 6,853.20 | 6,815.93 |
| REVENUE | 1,736.98 | 3,114.21 | 2,668.67 |
| PAT | 106.56 | 5.31 | 416.64 |
| CRAR% | 71.34 | 61.06 | 44.76 |
| GNPA% | 4.84 | 4.71 | 2.61 |
| NNPA% | 2.57 | 2.69 | 1.58 |
Credit Rating
| Credit Rating Agency | Rating | Rating Outlook | Date |
|---|
Top Lenders to DMI FINANCE PRIVATE LIMITED
MUFG
SBI
IndusInd Bank
Bajaj Finance Limited
South Indian Bank
Kotak Mahindra Bank
Poonawalla Fincorp Ltd
Bandhan Bank
Strength
Strong capitalisation
Strong liquidity profile
Weakness
Portfolio vulnerability arising from high share of unsecured loans; plans to diversify product mix
Evolving business mix to delay improvement in profitability
Source:
KID, Rating Rationale of DMI Finance Pvt. Ltd.
