Sera Investments - Sera Investments

📊 BSE: 512399 🏢 Non Banking Financial Company (NBFC) 📅 Last Updated: 11/13/2025 15:25

💰 Financial Performance

Revenue Growth by Segment

The company operates in a single business segment (NBFC); specific percentage growth for the segment is not disclosed in available documents.

Geographic Revenue Split

The company is based in Ahmedabad, Gujarat; specific regional percentage split of revenue is not disclosed.

Profitability Margins

The company reports narrow margins due to intense competition from global and local rivals; specific Gross, Operating, or Net percentage margins are not disclosed.

Credit Rating & Borrowing

Borrowing costs are influenced by interest rate volatility; specific credit ratings and interest rate percentages are not disclosed.

⚙️ Operational Drivers

Raw Materials

Capital (funds) is the primary raw material for the NBFC operations; specific percentage of total cost is not disclosed.

Import Sources

Domestic sourcing from Indian banks, financial institutions, capital markets, and public fixed deposits.

Key Suppliers

Banks, financial institutions, and capital markets; specific company names are not disclosed.

Capacity Expansion

The company has 05 permanent employees as of March 31, 2025; expansion plans focus on deeper penetration into hinterland markets and expanding geographical reach.

Raw Material Costs

Borrowing costs are the primary expense; specific percentage of revenue and YoY cost changes are not disclosed.

Manufacturing Efficiency

Not applicable for NBFC operations.

📈 Strategic Growth

Expected Growth Rate

23.9%

Growth Strategy

The company plans to achieve growth by prioritizing underserved retail markets through a unique relationship-based business model, streamlining customer onboarding via a technology platform, and forming partnerships with private financiers to expand reach without substantial capital investment.

Products & Services

Retail loans and investment services.

Brand Portfolio

Sera Investments & Finance India Limited.

Market Expansion

Targeting hinterland markets and expanding geographical reach to reach unbanked and underbanked populations.

Strategic Alliances

Partnerships with private financiers to expand reach.

🌍 External Factors

Industry Trends

The industry is seeing rising digital adoption with a 23.9% CAGR in mobile wallets (2023-2027) and a target of INR 95,00,000 Cr in mutual fund AUM by 2025.

Competitive Landscape

Key competitors include captive finance companies, small banks, Fintechs, and emerging players.

Competitive Moat

The moat is built on a relationship-based business model and strong pedigree in credit appraisal and collection, which is sustainable as it targets underserved markets where local expertise is a barrier to entry for digital-only rivals.

Macro Economic Sensitivity

India's real GDP growth of 6.5% and easing inflation support credit demand and price stability.

Consumer Behavior

Rising disposable income and evolving consumption patterns are driving a shift towards spending and increased demand for consumer loans.

Geopolitical Risks

External risks include political uncertainties, fiscal instability, and rising trade frictions.

⚖️ Regulatory & Governance

Industry Regulations

The company is regulated as a non-deposit taking NBFC-ICC by the Reserve Bank of India (RBI).

⚠️ Risk Analysis

Key Uncertainties

Key risks include liquidity risk (inability to fulfill financial obligations), credit risk (borrower default), and fraud risk (loan fraud and identity theft).