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Tanla Platforms: A Comprehensive Fundamental Analysis



Tanla Platforms

Tanla Platforms Ltd. is a Hyderabad, India-based cloud communication company. It primarily operates in A2P (Application-to-Person) business, offering communication services between business and customer via text, SMS, voice, etc. These include OTPs, alerts, transactional messages, promotional messages, etc.

Tanla specializes in CPaaS (Communications Platform as a Service) services, allowing businesses to integrate internal communications such as login OTPs. Security and privacy are crucial aspects of its offerings while dealing with login OTPs, verification codes, and other confidential messages.

Major telecom companies such as BSNL, Vodafone, Idea, and Airtel, in addition to Facebook and fintech platforms, are customers of Tanla Ltd. Additionally, Governments often rely on communication services like those provided by Tanla to send important information and updates, including OTPs for various purposes.

Tanla acquired Karix, a company owned by Blackstone Group, in 2019, which was a significant factor in its growth and development. In the same year, they introduced Trubloq, a product designed to protect the personal data of their customers. Furthermore, the company developed another product WISELY in 2023, in partnership with Microsoft Azure Cloud.

Growth over 5 years

“Receiving multiple patents in the highly competitive intellectual property market from the US Patent and Trademark Office, #Tanla is fast emerging as a world leader at the forefront of developing innovative cloud communication solutions”

Over the past 5 years, the company has established itself as a global leader in the blockchain industry. It has secured more than 4 patents ( Three in the USA and One in India), demonstrating its innovative approach to technology. With a 35% market share in CPaaS (Communication Platform as a Service), the company has positioned itself as a major player in the industry.

The company has successfully expanded its operations internationally, with a strong presence in four regions. This international footprint has helped it gain traction and access to diverse markets. It has more than 200, professional workforce pools across development and technology.

The customer base has significantly grown over the past years. It is serving more than 1300 customers across the sector. It has carted 8 out of 10 brands in banking, travel, banking, insurance, retail, travel, e-commerce, and the digital sector.

Furthermore, Tanla Platforms have launched two progressive platforms.


“Tanla launches World’s First Blockchain Enabled Commercial Communication Stack, TRUBLOQ, at MWC19, Barcelona.”

“TRUBLOQ” was introduced by Tanla Platforms in 2019, and was the world’s largest blockchain-based platform to prevent spam. Currently serving 3 out of 4 telcos in India and both Telcos in UAE.


All set to launch Wisely ATP – the biggest innovation coming out of Tanla in our 23 years of existence!

Uday Reddy

Furthermore, on 27 February 2023, the CEO of Tanla platforms announced the launch of WISELY stating it as the biggest innovation coming out of Tanla in our 23 years of existence.

WISELY is the groundbreaking AI/ML platform, designed to combat phishing. The company claims it to be 99% accurate in identifying the origin of phishing and reporting the same information. Additionally, it has successfully completed Proof of Concepts (POCs) with three banks in India.

Momentous milestone for Wisely ATP- Proof of Concept engagement starting with 3 top banks in india from Monday – we are charged up to deliver value !

Uday Reddy

Financial Performance

Over the past 5 years, the company has experienced substantial growth in both sales and profits. Its revenue has increased four-fold from Rs 791.6 crore in 2018 to Rs 3,354 crore in 2023, while its profit has surged nine-fold from Rs 19.1 crore in 2018 to Rs 587.9 crore in 2023. These figures demonstrate the remarkable increase in the company’s profitability and its consistent growth in sales and profits.

Revenue (Rs crore)Rs 791.6 croreRs 3,354.6 crore4 times
EBITDA (Rs crore)Rs 65.2 croreRs 587.9 crore9 times
PAT (Rs crore)Rs 19.1 croreRs 447.6 crore23 times
Past 5 years’ performance

The company maintained the highest reserves in Mar’23 of Rs 1,504 crore. The total assets of the company are increasing optimally and stood at Rs 2,413 crore as of Mar’23. Last year CWIP of the company showed an increase and stood at Rs 54 crore and In 2023, again came back to Rs 8 crore.

The company’s debt stood at Rs 82.6 crore, which is optimal. It has shown a slight increase in the last two years. The debt-to-equity ratio of the company stood at 0.05 which is negligible. The interest coverage ratio stood at 293, which indicates the company can meet its finance cost 293 times over. This suggests that the company’s debt is manageable.

Financial Ratios

The current ratio is 2.12 which is almost equal to the ideal ratio, which indicates the company has more than double current assets than current liabilities. This suggests the company’s liquidity.

The PE of the stock stood at 35, whereas the industry PE stood at 36.2 this indicates that the company’s stock is performing moderately.

The EPS of the company has recorded a remarkable increase of Rs 31.61 in the last 5 years. Rising from Rs 1.7 in 2018 and Rs 33.31 in 2023.

Return on equity has recorded a 25% increase in the last 5 years.

Shareholding Pattern

Promoters are increasing their stake every year. The foreign institutional investor (FII) has decreased its stake by about 14.56% in the last 5 years from 0 in 2018 to 14.56% in 2023. Additionally, Domestic institutional investors (DII’s) had increased their stake to 15.09 in 2020 and had reduced it to 0.38 in Mar’23.

Peer Comparision

Tanla Platforms Ltd. has a market capitalization of almost 1.8 times that of Route Mobile. Its PE ratio and return on equity is higher than its peer. Additionally, Route Mobile has experienced better sales growth over the past five years.

Technical Analysis

The stock has recorded a remarkable 40-times surge in 2 years (2020-2022). Since then it has been corrected to 70%. In the last 6 months, the stock has recovered and generated 70% returns.

In Summary

Over the last five years, the company has demonstrated a strong market position, innovation, international expansion, a talented workforce, and successful product launches, establishing itself as a global leader in the blockchain industry.

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Finance World

Why Muthoot Finance is not affected by the small cap and mid cap fall?



This week, if you’ve been keeping an eye on the stock market, you might’ve noticed something unusual. While the small cap and mid cap markets took a serious dive, Muthoot Finance seemed to just avoid it, falling by a mere 2%. So, what’s their secret?

What is the business of Muthoot Finance?

First up, Muthoot Finance has a strong foothold in gold loans. Now, why does this matter? Well, when other investments seem risky, people tend to fall back on gold because it’s considered a safer bet. With gold prices staying high, Muthoot’s gold loan business is like a stable ship in a stormy sea.

Muthoot Finance target price by Kotak

Kotak Institutional Equities is pretty optimistic about Muthoot, recommending a “buy” with a target of Rs 1,500. They think Muthoot is in a prime spot to grab a bigger slice of the gold loan market. Plus, with some Non-Banking Financial Companies (NBFCs) hitting a rough patch, Muthoot has a clear ground to expand and grow further. Unlike NBFC, Muthoot has a strong ground presence with offices and branches, they have physical repo with their customers, unlike NBFC who operate from AC offices.

New Friends and New Frontiers

Muthoot isn’t just sitting pretty with its gold loans; it’s also making moves. It teamed up with Evfin to finance electric two-wheelers across India. And there’s more – Muthoot FinCorp has brought Veefin Solutions on board to kick off supply chain finance operations. This means they’re planning to lend a hand to small and medium businesses, helping them keep the wheels turning. So, its a great news that Muthoot is expanding into fields that are not dependent on gold loans alone.

Spreading Their Wings

Muthoot Microfin, a part of the Muthoot Group, is pushing into new territories too. They’ve just set foot in Telangana and have their sights set on Andhra Pradesh next. This move is about bringing more people into the financial fold, especially in places where banking services might be hard to come by. This gives an edge to Muthoot over banks and NBFC.

Are you wondering whether to invest in Muthoot Finance or Manappuram Gold? Take a look at this:

So, What’s the Deal?

While the market’s mood swings have sent some companies into a pit, Muthoot Finance has managed to stay stable. Thanks to its focus on gold loans, strategic partnerships, and expansion plans, it’s not just surviving; it’s set to thrive. So, while the rest of the market might be catching its breath, Muthoot is marching on, steady as ever.

Keep following us for more such latest news on TradeAlone.

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Finance World

Infibeam Avenues Ltd expands into the US Market with an Acquisition



Hello, digital pioneers and fintech enthusiasts! Let’s dive into a groundbreaking announcement for Infibeam. Infibeam Avenues Ltd, an AI-powered financial technology, is embarking on an exciting journey by acquiring a 20% stake in XDuce. XDuce is a mastermind in enterprise Application and AI development based in the United States. This bold move involves an investment of USD 10 million. This also marks a significant milestone in Infibeam Avenues Ltd’s global expansion narrative.

XDuce: A Hub of Innovation

Nestled in the heart of New Jersey, XDuce boasts a team of over 150 software developers. They’re a team behind the curtain for marquee clients like Bank of America and Morgan Stanley, to name a few. XDuce’s expertise in business application implementations and transformation is nothing short of legendary in the financial and insurance sectors of North America.

A Fusion of Giants

So, what happens when Infibeam Avenues Ltd and XDuce comes together? Infibeam Avenues Ltd wants to merge it’s AI Solutions and CCAvenue Payments business into the network that XDuce has built. This collaboration is about expanding business footprints, revolutionizing how AI-driven technologies are employed in fraud detection, authentication, and risk identification in the financial sector of the US.

Redefining Financial Technology

Imagine a world where transaction fraud is no longer a looming threat, thanks to state-of-the-art AI technologies. That’s the vision Mr. Jay Dave, CEO of XDuce, and Mr. Rajesh Kumar SA, CEO of Phronetic.AI, share. By integrating PhroneticAI abilities with XDuce’s solutions, they will offer businesses and consumers in the US with security and efficiency.

The Road Ahead

According to Mr. Vishwas Patel, Joint Managing Director of Infibeam Avenues Ltd, international business currently contributes less than 10% to the company’s total revenue. But with strategic moves like this, they’re aiming for international business to soar to 30% of total revenue in the coming years.

Infibeam Avenues Ltd at a Glance

Infibeam Avenues Ltd is at the forefront of offering digital payment solutions and enterprise software platforms across the globe. With a transaction worth INR 4.5 trillion (US$ 54 billion) processed in FY23, and a client base of over 10 million. Spread across digital payments and enterprise software platforms, they’re leading digital revolution.

Wrapping Up

The strategic investment in XDuce is a bold step towards Infibeam Avenues Ltd’s vision of global expansion and innovation.

Stay tuned with Tradealone, as we continue to follow this exciting journey of Infibeam Avenues Ltd. Stock price for Infibeam closed 7% up today. We also see a continues profit growth for Infibeam Avenues over the past 4 years. Although, we cant recommend a buy or sell call for the stock, however we feel this stock deserves your attention.

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Finance World

Satin Creditcare Expands its Reach by entering Telangana and Andhra Pradesh, stock has doubled so far this year



In a country where financial inclusion remains a major yet challenging goal, the expansion of services to underbanked regions marks a significant step forward. Satin Creditcare Network Limited (SCNL), a leading name in microfinance, announces its strategic entry into Telangana and Andhra Pradesh. This move not only amplifies SCNL’s presence to 26 states and union territories across India but also underlines its commitment to empowering the economically marginalized communities with vital financial services.

A Leap Towards Nationwide Financial Inclusion: SCNL’s mission to drive financial inclusion is more than just a business expansion; it’s a pledge to reach the unreached. The opening of two new branches in Telangana (Warangal and Huzurabad) and one in Kadiri, Andhra Pradesh, is a testament to SCNL’s dedication to making financial services accessible to all, especially in rural and semi-urban areas where banking facilities are scarce.

Why Telangana and Andhra Pradesh?

The choice of Telangana and Andhra Pradesh for SCNL’s latest expansion is strategic. Both states have shown promising economic growth yet house significant populations that lack access to basic financial services. By stepping into these states, SCNL aims to fill this gap, offering microfinance solutions that can serve as a catalyst for economic empowerment and sustainable development. Moreover, Telangana is a fast growing hub for Pharma industry as the state capital Hyderabad leads the way.

SCNL’s Blueprint for Empowerment

SCNL’s approach to empowerment through financial inclusion is holistic. Focused on rural India, with 76% of its operations dedicated to rural communities across 97,000 villages, SCNL is not just providing financial services but is also contributing to the rural economy’s growth. This expansion is a stride towards enabling access to credit for the underserved, thereby fostering an environment of economic resilience and growth.

A Message from the Leadership

Mr. HP Singh, Chairman cum Managing Director of SCNL, remarks, “Our expansion into Telangana and Andhra Pradesh is a significant milestone in our journey towards a financially inclusive India. It’s not merely about increasing our geographical footprint; it’s about touching lives, empowering the marginalized, and contributing to the nation’s economic fabric. We’re here to make a difference, one individual, one community at a time.”

Ashirvad Microfinance is a fast growing company as well. Check it out if you are interested.

Beyond Expansion – A Look at SCNL’s Innovations

SCNL’s innovations extend beyond traditional microfinance. The institution’s portfolio includes loans to MSMEs, affordable housing loans through its subsidiary Satin Housing Finance Limited (SHFL), and the commencement of MSME business through Satin Finserv Limited (SFL). These initiatives demonstrate SCNL’s commitment to diversifying financial solutions that cater to various needs of the underserved.

The Road Ahead for SCNL

As SCNL carves new paths in Telangana and Andhra Pradesh, the future looks promising. This expansion is not just about growth but about deepening the impact of financial inclusion across India. With continued innovation and a steadfast commitment to its mission, SCNL is poised to create significant strides in empowering communities and fostering economic development across the country. Moreover, the stock price for Satin Creditcare has almost doubled in the last one year.

Conclusion: SCNL’s expansion into Telangana and Andhra Pradesh marks a new chapter in its mission to facilitate financial inclusion across India. By reaching out to the economically marginalized sections of society, SCNL strengthens its role as a catalyst for economic empowerment and sustainable development. As we watch this journey unfold, the prospects for a financially inclusive India appear brighter than ever. Despite that we do not see any positive signs from the revenue and profit growth of the company over the last 5 years. Thus, we feel that investors must be cautious while investing here.

Remember that microfinance companies also face competitions from the major banks. However, as this move is towards uncharted regions of Telangana and Andhra, we do not think that the banks would pose any risk to Satin Creditcare.

Call-to-Action: We invite you to join the conversation: How do you think SCNL’s expansion will impact financial inclusion in Telangana and Andhra Pradesh? Share your thoughts and insights in the comments below. Let’s discuss how financial empowerment can transform lives and communities. Also, please follow Tradealone for more such latest updates.

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