About Transwarranty Finance Limited

Transwarranty Finance Limited (TFL) is a non-deposit accepting Non-Banking Finance Company (NBFC) registered with the Reserve Bank of India, providing advisory and fund-based lending solutions with a strong focus on digital lending. Headquartered in Mumbai, the company has over 30 years of experience in financial services. It operates a capital market subsidiary based in Kochi that offers brokerage services across equity, equity derivatives, commodities, and currency markets, alongside merchant banking activities. TFL’s digital lending products are delivered through its proprietary platform and the OROBORO app.

The company’s operations are confined to India, reporting no overseas activities for the latest year. The entire business is classified within the financial services segment, without separate geographic revenue disclosures. As of March 31, 2025, TFL has three subsidiaries (including a step-down subsidiary), consolidated in its financial statements. The digital lending platform continues to grow with multiple channel partnerships and technology enhancements, supported by a workforce of 37 employees.

Key Milestones of Transwarranty Finance Limited

• RBI Scale Based Regulations (Base Layer) recognition for FY 2024–25, affirming regulatory compliance.
• Enhancements to the OROBORO app and API integrations to boost operational efficiency.
• Digital lending disbursements increased substantially to Rs. 2,270.11 lakh across 12,125 loans.

Transwarranty Finance Limited Business Segment

The company operates solely within the financial services segment, offering digital and traditional lending solutions, capital market brokerage, and merchant banking through its subsidiary. Its operational footprint is strictly domestic within India.

TFL has a single operating segment focused on financial services. This includes advisory and fund-based lending products serving retail and corporate clients, supported by a scalable digital lending platform (OROBORO app). Capital market operations through the subsidiary cover broking and merchant banking activities.

Transwarranty Finance Limited Key Management

• Kumar Nair – Chairman & Managing Director
• Ramachandran Unnikrishnan – Director & Chief Financial Officer
• Suhas Borgaonkar – Company Secretary and Compliance Officer

Latest Updates on Transwarranty Finance Limited

• Digital lending expansion: Deepened focus on personal and consumer lending via the OROBORO app with channel partnerships. Disbursements rose to Rs. 2,270.11 lakh through 12,125 loans.
• Technology integration: Advanced automation of the lending stack via API-based integrations and digital payment options for enhanced efficiency and customer experience.
• Regulatory compliance: Classified in RBI’s Base Layer with full compliance under Scale Based Regulations for FY 2024–25.
• Capital structure: Increase in authorised share capital from Rs. 51 crore to Rs. 61 crore; allotted 48 lakh shares through preferential allotment and 3 lakh equity shares on ESOP exercise.
• Funding: Issued Rs. 547 lakh in non-convertible debentures (NCDs) via private placements and redeemed Rs. 266 lakh; outstanding NCDs totaled Rs. 757 lakh as of March 31, 2025.
• Governance updates: Appointed Independent Directors Mr. Sachidanandan Menon and Ms. Rhujuta D Kene; two Independent Directors’ terms ended, enhancing Board oversight. The 31st AGM is scheduled for September 18, 2025 via VC/OAVM.