Focus Business Solution Limited is a specialized **debt collection and recovery** service provider catering to India’s premier **Banks, NBFCs, and financial institutions**. Established in **2006** and listed on the **BSE SME Platform** in **July 2021**, the company serves as an authorized recovery agent managing delinquent accounts across retail and commercial loan portfolios. --- ### **Core Service Architecture & Multi-Channel Recovery** The company provides end-to-end recovery solutions through a hybrid delivery model that combines digital outreach with traditional field operations: * **Tele-calling & IVR:** Utilization of automated dialers, voice blasts, and email blasts for systematic payment reminders. * **Field Operations:** Physical visits for collection, field investigations, and "skip-tracing" to locate borrowers who have relocated. * **Asset Repossession:** Specialized recovery of vehicles or other hypothecated assets upon specific client mandates. * **Legal Services:** Integrated legal support frameworks to facilitate recovery through judicial channels. * **Product Diversification:** The company manages distressed assets across **Personal, Business, Vehicle (including two-wheelers), SME, Gold, and Equipment loans**, as well as **Loans Against Property (LAP)**. --- ### **Operational Scale & Infrastructure** Focus Business Solution manages a high volume of distressed assets through a robust network centered in Western and Central India. | Metric | Details / Value | | :--- | :--- | | **Monthly Case Volume** | Approximately **2.0 - 2.5 Lakhs** cases | | **Monthly Pool Size** | More than **₹1,700 - ₹1,800 Crores** | | **Total Workforce** | **1,378** (98 on payroll; 1,280 contractual) | | **Headquarters** | **Surat, Gujarat** | | **Regional Presence** | Vapi, Bardoli, Navsari, Baroda, Bharuch, Anand, Ahmedabad, Rajkot, Palanpur, Mumbai, Nagpur, Pune, Aurangabad, and Indore. | | **Strategic Vision** | Achieving **PAN India coverage** | --- ### **Proprietary Technology & Digital Ecosystem** Operations are underpinned by a tech-enabled organizational structure designed for scalability and transparency. Digital solutions are provided via an agreement with **Nathani Software Pvt Ltd** (a group company), which holds the trademarks for the company's core tools: * **RCAP (myrcap.in):** The **Retail Collection Administrative Programme**, an intelligent system that automates daily tasks and enhances **Promise-to-Pay (PTP)** rates. * **fTouch Mobile App:** A digital tool used for real-time manpower tracking, task allocation, and managing defaulter responses in the field. --- ### **Financial Trajectory & Capital Optimization** The company has demonstrated consistent growth in revenue and profitability, supported by aggressive capital restructuring to fund expansion. #### **Key Financial Performance** | Financial Year | Revenue from Operations (₹ Cr) | Net Profit (₹ Lakhs) | Growth (YoY PAT) | | :--- | :---: | :---: | :---: | | **FY 2024-25** | **23.91** | **74.08** | **~28.6%** | | **FY 2023-24** | **21.35** | **57.57** | **~31.4%** | | **FY 2022-23** | **18.36** | **43.82** | -- | #### **Capital Raising & Shareholder Returns** * **Bonus Issues:** Executed a **4:5 bonus** in August 2023 and a **29:50 bonus** in July 2025 (capitalizing **₹2.67 Crore**). * **Preferential Allotment:** Raised **₹2.01 Crore** in April 2024 by issuing **6,00,000** shares at **₹33.60** to fund interstate expansion. * **Dividends:** Approved a first interim dividend for FY 2024-25 of **₹0.10 per share** (**1%** of face value). * **Borrowing Capacity:** Significantly increased borrowing limits from **₹5 Crore** to **₹100 Crore** in June 2025 to meet future funding requirements. --- ### **Strategic Growth & Human Capital Alignment** Focus Business Solution is pursuing a multi-pronged strategy centered on geographic expansion and talent retention: * **Geographic Expansion:** Actively scaling operations into new states; as of August 2024, **₹94 Lakhs** of preferential issue proceeds were deployed for this purpose. * **Debt-to-Equity Flexibility:** The Board has approved an enabling provision to raise loans up to **₹1 Crore** convertible into equity to manage long-term liabilities. * **Employee Stock Option Scheme (FBSL-ESOS 2023):** A pool of **2,22,200** options with a vesting period of **1 to 6 years** to align staff interests with corporate growth. * **Leadership Stability:** Re-appointed the **Managing Director** and **Whole-Time Director** for five-year terms (through **January 2029**), with a remuneration increase for the Whole-Time Director to **₹60 Lakhs** p.a. effective April 2025. --- ### **Risk Landscape & Compliance Framework** The company operates in a high-stakes regulatory environment. While management maintains a positive liquidity outlook, several systemic risks are monitored: * **Macroeconomic Pressures:** Rising total assets under stress due to aggressive loan disbursals and business failures in competitive markets. * **Moral Hazard:** Risks stemming from borrower expectations of government-led **loan waivers**. * **Regulatory Rigor:** Strict adherence to **RBI Guidelines**, the **Fair Practices Code**, and client-specific Codes of Conduct. * **Internal Controls:** Maintains a dedicated internal audit department and conducts regular training on **Data Protection and Privacy Norms**. #### **Industry Risk Metrics** | Metric | Previous Period | Current Period (2025) | Trend/Impact | | :--- | :--- | :--- | :--- | | **Systemic NPA Ratio** | **5.57%** | **5.32%** | Marginal Improvement | | **Market Pressure** | Moderate | High | Increased Business Failures | | **Regulatory Environment** | Stable | Transformative | High Compliance Requirement | As of the latest audit, the **Board of Directors** confirms there is no **material uncertainty** regarding the company's ability to meet its financial liabilities as they fall due.