Capital India Finance Ltd

Capital India Summary Chart Analysis Peers Quarters Profit & Loss Balance Sheet Cash Flow Ratios Investors Documents

Capital India Finance Ltd

₹ 30.6 -1.70%
27 Feb - close price
capitalindia.com BSE: 530879 NSE: CIFL
About

Incorporated in 1994, Capital India Finance Ltd is in the business of lending, forex (including MTSS business) and fintech business[1]

Key Points

Business Overview:[1]
CIFL is an integrated financial services platform offering customized finance solutions. It provides loans against property to SME/MSME segments and offers corporate/structured finance loans. The company now focuses on the SME business class, expanding from its earlier focus on commercial real estate.

Website BSE NSE
  • Market Cap ₹ 1,197 Cr.
  • Current Price ₹ 30.6
  • High / Low ₹ 44.5 / 29.0
  • Stock P/E
  • Book Value ₹ 17.2
  • Dividend Yield 0.07 %
  • ROCE 6.34 %
  • ROE 0.30 %
  • Face Value ₹ 2.00
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Pros

  • Company has reduced debt.
  • Company has been maintaining a healthy dividend payout of 18.3%

Cons

  • Company has low interest coverage ratio.
  • Company has a low return on equity of -1.66% over last 3 years.
  • Earnings include an other income of Rs.109 Cr.

* 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.

Peer comparison

Financial Services Financial Services Finance Non Banking Financial Company (NBFC)

Part of BSE Allcap BSE Financial Services

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Quarterly Results

Consolidated Figures in Rs. Crores / View Standalone

Dec 2022 Mar 2023 Jun 2023 Sep 2023 Dec 2023 Mar 2024 Jun 2024 Sep 2024 Dec 2024 Mar 2025 Jun 2025 Sep 2025 Dec 2025
161.79 159.74 174.99 176.11 165.12 167.38 158.27 142.82 135.01 139.33 122.64 131.79 147.02
Interest 20.85 22.04 25.74 26.24 25.30 24.77 25.62 16.55 18.65 27.62 19.82 19.75 22.24
160.15 155.99 146.23 146.90 133.99 139.98 132.94 120.97 110.34 108.69 100.82 158.78 124.16
Financing Profit -19.21 -18.29 3.02 2.97 5.83 2.63 -0.29 5.30 6.02 3.02 2.00 -46.74 0.62
Financing Margin % -11.87% -11.45% 1.73% 1.69% 3.53% 1.57% -0.18% 3.71% 4.46% 2.17% 1.63% -35.47% 0.42%
1.98 1.69 11.47 2.47 0.66 2.42 0.70 4.23 1.03 2.00 0.48 105.92 1.06
Depreciation 6.43 6.15 7.31 7.96 7.64 7.26 7.92 7.77 8.03 7.94 8.11 8.12 7.66
Profit before tax -23.66 -22.75 7.18 -2.52 -1.15 -2.21 -7.51 1.76 -0.98 -2.92 -5.63 51.06 -5.98
Tax % -8.37% 5.23% 32.45% 102.78% 105.22% 71.95% -15.45% 65.91% 94.90% -11.99% 0.18% 12.50% -13.04%
-21.68 -23.94 4.85 -5.11 -2.37 -3.80 -6.35 0.60 -1.91 -2.56 -5.64 44.69 -5.19
EPS in Rs -0.25 -0.30 0.27 0.00 0.01 0.02 -0.04 0.08 0.02 -0.02 -0.07 1.15 -0.07
Gross NPA %
Net NPA %
Raw PDF

Profit & Loss

Consolidated Figures in Rs. Crores / View Standalone

Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 TTM
26 60 179 318 532 655 680 612 541
Interest 10 9 17 24 51 84 105 110 89
11 31 127 265 476 633 562 485 492
Financing Profit 5 19 36 29 5 -62 13 17 -41
Financing Margin % 19% 32% 20% 9% 1% -9% 2% 3% -8%
0 0 0 -0 -2 1 18 6 109
Depreciation 0 8 12 15 21 25 30 32 32
Profit before tax 4 11 24 15 -18 -85 1 -9 37
Tax % 37% 42% 43% 59% 18% 2% 599% 15%
3 7 14 6 -21 -87 -6 -10 31
EPS in Rs 0.89 0.17 0.44 0.25 -0.07 -1.07 0.30 0.04 0.99
Dividend Payout % 13% 48% 5% 8% -28% -2% 7% 50%
Compounded Sales Growth
10 Years: %
5 Years: 28%
3 Years: 5%
TTM: -10%
Compounded Profit Growth
10 Years: %
5 Years: -36%
3 Years: 40%
TTM: -24064%
Stock Price CAGR
10 Years: 28%
5 Years: 0%
3 Years: 22%
1 Year: -10%
Return on Equity
10 Years: %
5 Years: -1%
3 Years: -2%
Last Year: 0%

Balance Sheet

Consolidated Figures in Rs. Crores / View Standalone

Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 Sep 2025
Equity Capital 4 78 78 78 78 78 78 78 78
Reserves 128 430 444 485 543 528 545 550 594
Borrowing 7 132 121 327 764 924 899 996 700
16 30 70 154 242 265 279 228 229
Total Liabilities 154 670 713 1,044 1,626 1,795 1,801 1,853 1,601
8 31 47 56 78 81 94 90 83
CWIP 2 2 1 5 11 35 10 9 0
Investments 0 24 9 0 10 44 10 64 197
144 614 656 982 1,528 1,634 1,687 1,691 1,321
Total Assets 154 670 713 1,044 1,626 1,795 1,801 1,853 1,601

Cash Flows

Consolidated Figures in Rs. Crores / View Standalone

Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025
-5 -453 30 -69 -313 -23 121 13
-21 -29 25 -87 -110 -16 1 -61
-6 490 -17 231 480 80 -124 -27
Net Cash Flow -32 8 38 74 56 41 -2 -75

Ratios

Consolidated Figures in Rs. Crores / View Standalone

Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025
ROE % 2% 2% 3% 2% -0% -7% 1% 0%

Shareholding Pattern

Numbers in percentages

Mar 2023Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025
73.04% 73.04% 73.04% 73.04% 73.04% 73.04% 73.04% 73.02% 72.95% 72.87% 72.84% 72.59%
0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.13% 0.28% 0.08% 0.06%
26.96% 26.97% 26.96% 26.96% 26.97% 26.98% 26.97% 26.99% 26.93% 26.85% 27.07% 27.34%
No. of Shareholders 1,3241,3421,3421,3471,3391,4612,0242,6193,7405,0957,0567,434

* The classifications might have changed from Sep'2022 onwards. The new XBRL format added more details from Sep'22 onwards.

Classifications such as banks and foreign portfolio investors were not available earlier. The sudden changes in FII or DII can be because of these changes.

Click on the line-items to see the names of individual entities.

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