Sera Investments & Finance India Ltd
Incorporated in 1985, Sera Investments & Finance India Ltd is primarily involved in Investments activity
- Market Cap ₹ 274 Cr.
- Current Price ₹ 41.8
- High / Low ₹ 52.4 / 31.3
- Stock P/E 5.11
- Book Value ₹ 44.9
- Dividend Yield 0.00 %
- ROCE 21.0 %
- ROE 18.2 %
- Face Value ₹ 2.00
Pros
- Company has reduced debt.
- Company is almost debt free.
- Stock is trading at 0.93 times its book value
- Debtor days have improved from 35.8 to 19.0 days.
Cons
- Company has a low return on equity of 13.6% over last 3 years.
- Promoter holding has decreased over last 3 years: -11.8%
- Working capital days have increased from 550 days to 1,582 days
* The pros and cons are machine generated. Pros / cons are based on a checklist to highlight important points. Please exercise caution and do your own analysis.
Quarterly Results
Consolidated Figures in Rs. Crores / View Standalone
Profit & Loss
Consolidated Figures in Rs. Crores / View Standalone
| Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|
| 23 | 12 | 72 | |
| Interest | 1 | 2 | 1 |
| 2 | 6 | 7 | |
| Financing Profit | 20 | 3 | 63 |
| Financing Margin % | 86% | 28% | 88% |
| 0 | 0 | 0 | |
| Depreciation | 0 | 1 | 1 |
| Profit before tax | 19 | 3 | 63 |
| Tax % | 8% | 3% | 16% |
| 18 | 3 | 54 | |
| EPS in Rs | 2.75 | 0.39 | 8.18 |
| Dividend Payout % | 4% | 0% | 1% |
| Compounded Sales Growth | |
|---|---|
| 10 Years: | % |
| 5 Years: | % |
| 3 Years: | % |
| TTM: | 520% |
| Compounded Profit Growth | |
|---|---|
| 10 Years: | % |
| 5 Years: | % |
| 3 Years: | % |
| TTM: | 2018% |
| Stock Price CAGR | |
|---|---|
| 10 Years: | % |
| 5 Years: | 41% |
| 3 Years: | 20% |
| 1 Year: | 2% |
| Return on Equity | |
|---|---|
| 10 Years: | % |
| 5 Years: | % |
| 3 Years: | 14% |
| Last Year: | 18% |
Balance Sheet
Consolidated Figures in Rs. Crores / View Standalone
| Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|
| Equity Capital | 13 | 13 | 13 |
| Reserves | 56 | 281 | 281 |
| Borrowing | 19 | 20 | 1 |
| 2 | 67 | 52 | |
| Total Liabilities | 91 | 380 | 347 |
| 1 | 3 | 2 | |
| CWIP | 0 | 0 | 0 |
| Investments | 34 | 324 | 246 |
| 56 | 53 | 99 | |
| Total Assets | 91 | 380 | 347 |
Cash Flows
Consolidated Figures in Rs. Crores / View Standalone
| Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|
| -7 | 10 | 55 | |
| -6 | -9 | -28 | |
| 13 | 1 | -20 | |
| Net Cash Flow | 0 | 1 | 6 |
| Free Cash Flow | -9 | 8 | 55 |
| CFO/OP | -34% | 186% | 84% |
Ratios
Consolidated Figures in Rs. Crores / View Standalone
| Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|
| ROE % | 26% | 1% | 18% |
Insights
In beta| Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Authorized Share Capital INR Crores ・Standalone data |
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| Geographic Footprint (Number of States) Count ・Standalone data |
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| Number of Permanent Employees Count ・Standalone data |
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| Total Loan Portfolio (Loans and Advances) INR Lakhs ・Standalone data |
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| Category 3 Alternative Investment Fund (AIF) Capacity INR Crores ・Standalone data |
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Extracted by Screener AI
Documents
Announcements
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Reconstitution Of Audit And Stakeholders Relationship Committee.
1h - Audit and stakeholder committees reconstituted effective 02 June 2026 after MD appointment and WTD resignation.
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Announcement under Regulation 30 (LODR)-Resignation of Director
3h - Mr. Sagar Samir Shah resigned as Whole Time Director effective 2 June 2026.
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Board Meeting Outcome for Outcome Of Board Meting For Resignation Of Whole Time Director
4h - Board approved Mr. Sagar Samir Shah’s resignation as Whole Time Director effective 2 June 2026.
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Compliances-Reg.24(A)-Annual Secretarial Compliance
29 May - Annual Secretarial Compliance Report for year ended March 31, 2026; minor delays in two disclosures.
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Announcement under Regulation 30 (LODR)-Newspaper Publication
23 May - Newspaper Publication for audited financial results for the year ended 31st March, 2026.
Annual reports
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Financial Year 2025
from bse
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Financial Year 2024
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Financial Year 2023
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Financial Year 2022
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Financial Year 2021
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Financial Year 2020
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Financial Year 2019
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Financial Year 2018
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Financial Year 2017
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Financial Year 2016
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Financial Year 2015
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Financial Year 2014
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Financial Year 2012
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Financial Year 2011
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Financial Year 2010
from bse
Business Overview:[1][2]
SIFI (previously Kapashi Commercials Ltd) provides Digital Lending Services for people seeking personal & business loans, and capital advisory. It is registered as a Core Investment Company (CIC) Specified Non-Banking Financial Company