Sera Investments & Finance India Ltd
Incorporated in 1985, Sera Investments & Finance India Ltd is primarily involved in Investments activity
- Market Cap ₹ 265 Cr.
- Current Price ₹ 40.5
- High / Low ₹ 52.4 / 31.3
- Stock P/E 4.95
- 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 0.90 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: | 30% |
| 3 Years: | 50% |
| 1 Year: | 12% |
| 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 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | |
|---|---|---|---|---|---|---|---|---|---|---|
| Gross Loan Book ₹ thousand ・Standalone data |
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| Number of Permanent Employees count ・Standalone data |
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| AIF Target Corpus ₹ thousand ・Standalone data |
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| Number of States of Operation count ・Standalone data |
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Extracted by Screener AI
Documents
Announcements
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Compliances-Certificate under Reg. 74 (5) of SEBI (DP) Regulations, 2018
1d - We hereby submit the certificate under Regulation 74(5) of SEBI (DP) Regulations 2018 for the quarter ended 30th June, 2026
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Clarification Regarding The Corporate Announcement Made On 02Nd July, 2026 Under Regulation 30 (LODR)- Resignation Of Director
4 Jul - Saurabh Shah resigned as Independent Director effective 1 July 2026 for personal reasons.
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Clarafication Regarding The Corporate Announcement Made On 1St July, 2026
3 Jul - Two independent directors appointed, one resigned effective 1 July 2026; board committees reconstituted.
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Announcement under Regulation 30 (LODR)-Resignation of Director
2 Jul - Board appointed Neha Kothari and Aayush Shah on 1 July 2026; Saurabh Shah resigned.
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Announcement under Regulation 30 (LODR)-Resignation of Director
1 Jul - Board approved two independent director appointments, one resignation, and committee reconstitution effective 1 July 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
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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