Raama Finance Ltd

₹ 8.51 4.93%

09 Nov - close price

About

Incorporated in 1998, Ramchandra Leasing and Finance Ltd is doing business as an NBFC

Key Points

Business Overview:^[1]
RFL is an AI-driven app-based digital lending NBFC for India’s salaried workforce. It is targeting the ₹4.2 lakh crore addressable short-term credit market in India from 6,700+ PIN codes. The co. leverages proprietary AI underwriting to serve 2.4M+ salaried borrowers with average ticket sizes of ₹5,000–₹1,20,000 and tenors of 30–60 days.

Website BSE

Market Cap ₹ 86.0 Cr.
Current Price ₹ 8.51
High / Low ₹ 20.9 / 7.10
Stock P/E 11.6
Book Value ₹ 3.62
Dividend Yield 0.00 %
ROCE 23.0 %
ROE 18.5 %
Face Value ₹ 1.00

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Pros

Company has delivered good profit growth of 218% CAGR over last 5 years

Cons

Though the company is reporting repeated profits, it is not paying out dividend
Promoter holding has decreased over last quarter: -5.87%
Company has a low return on equity of 11.5% over last 3 years.

* 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)

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Detailed Comparison with:

Quarterly Results

Figures in Rs. Crores

	Jun 2023	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026	Jun 2026
	0.03	0.01	0.06	0.36	0.11	0.07	0.16	0.03	0.17	0.17	2.09	9.63	21.31
YoY Revenue growth	+200.00%	-83.33%	+200.00%	-5.26%	+266.67%	+600.00%	+166.67%	-91.67%	+54.55%	+142.86%	+1,206.25%	+32,000.00%	+12,435.29%
Interest	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.10	0.12
	0.03	0.01	0.06	0.34	0.11	0.07	0.16	0.02	0.17	0.01	1.67	6.01	14.46
Financing Profit	0.00	0.00	0.00	0.02	0.00	0.00	0.00	0.01	0.00	0.16	0.42	3.52	6.73
Financing Margin %	0.00%	0.00%	0.00%	5.56%	0.00%	0.00%	0.00%	33.33%	0.00%	94.12%	20.10%	36.55%	31.58%
	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.01	0.06	0.00
Depreciation	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.06	0.13
Profit before tax	0.00	0.00	0.00	0.02	0.00	0.00	0.00	0.01	0.00	0.16	0.43	3.52	6.60
Tax %				0.00%				0.00%		25.00%	27.91%	25.28%	33.94%
	0.00	0.00	0.00	0.01	0.00	0.00	0.00	0.01	0.00	0.12	0.31	2.63	4.35
EPS in Rs	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.01	0.04	0.32	0.54
Gross NPA %
Net NPA %
Raw PDF

Upcoming result date: 14 November 2026

Profit & Loss

Figures in Rs. Crores

	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026	TTM
	0.21	0.40	0.31	0.34	0.53	0.62	0.58	0.51	0.47	0.46	0.38	12.07	33.20
Revenue growth	-47.50%	+90.48%	-22.50%	+9.68%	+55.88%	+16.98%	-6.45%	-12.07%	-7.84%	-2.13%	-17.39%	+3,076.32%	+7,620.93%
Interest	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.11	0.22
	0.17	0.35	0.24	0.30	0.45	0.59	0.55	0.49	0.45	0.44	0.36	7.68	22.15
Financing Profit	0.04	0.05	0.07	0.04	0.08	0.03	0.03	0.02	0.02	0.02	0.02	4.28	10.83
Financing Margin %	19.05%	12.50%	22.58%	11.76%	15.09%	4.84%	5.17%	3.92%	4.26%	4.35%	5.26%	35.46%	32.62%
	0.01	0.00	0.02	0.02	0.02	0.01	0.00	0.00	0.00	0.00	0.00	0.07	0.07
Depreciation	0.03	0.02	0.02	0.02	0.02	0.02	0.02	0.00	0.00	0.00	0.00	0.06	0.19
Profit before tax	0.02	0.03	0.07	0.04	0.08	0.02	0.01	0.02	0.02	0.02	0.02	4.29	10.71
Tax %	50.00%	33.33%	28.57%	25.00%	25.00%	50.00%	0.00%	0.00%	0.00%	0.00%	0.00%	24.24%
	0.02	0.02	0.05	0.02	0.06	0.02	0.01	0.02	0.01	0.02	0.02	3.24	7.41
EPS in Rs	0.00	0.00	0.01	0.00	0.01	0.00	0.00	0.00	0.00	0.00	0.00	0.40	0.91
Dividend Payout %	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%

Compounded Sales Growth
10 Years:	41%
5 Years:	84%
3 Years:	195%
TTM:	7621%

Compounded Profit Growth
10 Years:	66%
5 Years:	218%
3 Years:	587%
TTM:	74000%

Stock Price CAGR
10 Years:	2%
5 Years:	68%
3 Years:	120%
1 Year:	16%

Return on Equity
10 Years:	5%
5 Years:	8%
3 Years:	11%
Last Year:	19%

Balance Sheet

Figures in Rs. Crores

	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
Equity Capital	5.12	5.12	5.12	5.12	5.12	5.12	5.12	5.12	5.12	5.12	5.12	8.12
Reserves	0.13	0.16	0.20	0.23	0.29	0.31	0.33	0.37	0.39	0.40	0.50	21.23
Borrowing	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.15	0.34	0.31	0.31	3.01
	0.08	0.08	0.11	0.06	0.72	1.50	1.66	1.42	1.36	1.23	0.45	11.60
Total Liabilities	5.33	5.36	5.43	5.41	6.13	6.93	7.11	7.06	7.21	7.06	6.38	43.96
	0.39	0.36	0.34	0.32	0.30	0.29	0.01	0.01	0.00	0.00	0.00	1.93
CWIP	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.76
Investments	0.25	0.15	0.15	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	9.23
	4.69	4.85	4.94	5.09	5.83	6.64	7.10	7.05	7.21	7.06	6.38	32.04
Total Assets	5.33	5.36	5.43	5.41	6.13	6.93	7.11	7.06	7.21	7.06	6.38	43.96

Cash Flows

Figures in Rs. Crores

	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
	-0.71	-0.35	-0.46	-1.09	-0.47	-0.32	-0.08	0.11	-0.03	1.05	-0.43	-9.50
	0.66	0.50	0.31	1.19	0.52	0.05	-0.19	0.04	-0.07	-0.98	0.70	-12.04
	0.00	0.00	0.00	0.00	0.00	0.05	0.31	-0.18	0.19	-0.03	-0.25	24.67
Net Cash Flow	-0.05	0.15	-0.15	0.10	0.05	-0.22	0.04	-0.03	0.09	0.04	0.02	3.13
Free Cash Flow	-0.71	-0.35	-0.46	-1.09	-0.47	-0.32	0.20	0.11	-0.03	1.05	-0.43	-12.25

Ratios

	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
ROE %	0.38%	0.38%	0.94%	0.37%	1.12%	0.37%	0.18%	0.37%	0.18%	0.36%	0.36%	18.53%

Insights

In beta

Mar 2016

Mar 2017

Mar 2018

Mar 2019

Mar 2020

Mar 2021

Mar 2022

Mar 2023

Mar 2024

Mar 2025

Mar 2026

Loan Portfolio (Term Loans)
Rs. Lakhs

xxx.xx	xxx.xx	xxx.xx	xxx.xx	xxx.xx	xxx.xx	xxx.xx	xxx.xx	xxx.xx	xxx.xx
x.xx	x.xx	x.xx	x.xx	x.xx	x.xx	x.xx	xx.xx	xx.xx	xx.xx
x	x						x	x	x	xxx

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Total Borrowings (Other than Debt Securities)
Rs. Lakhs

Number of Permanent Employees
count

Extracted by Screener AI

Shareholding Pattern

Numbers in percentages

	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026	Jun 2026	Sep 2026
	11.50%	11.50%	11.50%	11.50%	11.50%	11.50%	11.50%	11.50%	54.93%	54.93%	54.93%	49.06%
	0.01%	0.01%	0.01%	0.01%	0.01%	0.01%	0.01%	0.01%	0.00%	0.00%	0.00%	0.00%
	88.50%	88.49%	88.50%	88.50%	88.49%	88.49%	88.49%	88.49%	45.06%	45.07%	45.08%	50.94%
No. of Shareholders	12,778	14,406	14,905	15,635	15,738	15,998	16,133	16,079	15,492	14,848	14,725	14,469

	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026	Sep 2026
	11.50%	11.50%	11.50%	11.50%	11.50%	11.50%	11.50%	11.50%	11.50%	54.93%	49.06%
	0.00%	0.00%	0.00%	0.01%	0.01%	0.01%	0.01%	0.01%	0.01%	0.00%	0.00%
	88.50%	88.50%	88.50%	88.49%	88.49%	88.49%	88.49%	88.49%	88.49%	45.07%	50.94%
No. of Shareholders	768	929	915	946	2,230	4,865	12,075	14,406	15,998	14,848	14,469

* 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.

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Raama Finance Ltd

Raama Finance Ltd

Peer comparison

Quarterly Results

Profit & Loss

Balance Sheet

Cash Flows

Ratios

Insights

Shareholding Pattern

Documents

Announcements

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