Oasis Securities Ltd Management Discussions

a. Business Overview & Trends

In FY 2024 25, the Indian economy showed remarkable resilience and growth amid global uncertainties. Digital transformation gained momentum, with widespread adoption of UPI, Paytm, and Google Pay even among small vendors. This shift toward a cashless economy supported greater financial formalization. Improved credit discipline led to a continued decline in NPAs across the financial sector. As an NBFC, we benefited from stronger borrower profiles and favorable liquidity. Capital availability improved, enabling well-structured lending. Our focus on credit quality and risk management helped preserve a healthy loan book. For yet another year, we reported no bad loans or NPAs. Our investment portfolio also performed well, with multiple assets appreciating in value. These results reflect our prudent financial practices and strategic credit deployment. We remain committed to responsible lending and supporting Indias economic growth. FY 2024 25 was a year marked by stability, opportunity, and sustained progress for our company.

b. Nature of Industry

Risk is inherent in the financial industry, but managing the risk well is what enables us to take the next risky bet, and thereby earn above normal returns. Excellent management by our Central Bank helped keep the industry on a stable footing, and most of our performance was based on the inherent strength of the Indian financial system. Global factors like high oil prices and higher interest rates are playing truant this year, but we expect our economy as well as our companies to manage both well.

c. Business Performance

We have benefited greatly from the excellent rally in the equity markets over the past year which has helped us post good profits for the year. We are faced with different challenges this year, but continue to be optimistic in the long run.

d. Risks & Concerns

All our borrowers kept their accounts in good stead even through the various challenges faced by the economy. The volatility in the stock market will continue to affect our performance, either towards the positive or negative, and while we hope to profit from it, it will also remain a source of risk.

e. Internal Control Systems and Their Adequacy

We believe that our internal control systems are adequate for the scale of our operations.

f. Limitations of Financial Statements

Our greatest strength is our people, a strength that no number in the Balance Sheet can cover. With the abilities of our people, we believe that we will continue to do well over the longer period of time.

g. Future Outlook

With our country going from strength to strength and our companies managing the current high inflationary scenario with aplomb, we are very bullish on the future outlook for our country as well as our financial markets. The celebration of the Amrit Mahotsav of our 75^th Independence Day has evoked a greater emotion for the country in its people and brought them even closer to each other. The ground has been well prepared for greater success over the next 50years.

h. Segment Wise Performance

Your Company has only single segment i.e. Investment. Revenue and expenses have been identified on the basis of accounting standard and guidance note issued by Institute of Chartered Accountants of India.

i. Human Resources and Industrial Relations

We continue to maintain cordial relations with all our employees and have not had any problems with them.

j. Cautionary Statement

Financial markets implicitly mean great volatility, and while we expect to do well in the long run, it is important to note that in the short term we may see significant upheavals.

k. Discussion on financial performance with respect to operational performance.

The Companys cost reduction initiatives have yielded results as the Company was profitable despite the significant rise in input costs. Efforts to further improve efficiency continue at all levels and across all departments.

l. Material developments in Human Resources / Industrial Relations front, including number of people employed.

The total number of employees has increased at the end of the prior financial year.

	By Order of the Board of Directors
	for Oasis Securities Limited
Rajesh Kumar Sodhani	Devi Dutt Agarwal
Managing Director	Whole Time Director and CFO
DIN: 02516856	DIN: 10631960
	Jaipur, June 30, 2025

 

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