Real Touch Finance Ltd.

₹ 41.4 0.00%

11 Sep - close price

About

Incorporated in 1984, Real Touch Finance Ltd is in the business of offering various types of loans.^[1]

Key Points

Business Overview:^[1]^[2]^[3]
RTFL is a part of the Howrah based Khivraj Group and is a subsidiary of Ultraplus Housing Private Limited. It
is registered as a non-systematically important non deposit taking Non-Banking Financial Company which
is engaged in providing financial solutions. The company operates 9 branches in Tamil Nadu and has an AUM of Rs 227.5 Crs as on FY25.

Website BSE

Market Cap ₹ 52.6 Cr.
Current Price ₹ 41.4
High / Low ₹ 64.8 / 39.4
Stock P/E 10.5
Book Value ₹ 41.2
Dividend Yield 0.00 %
ROCE 10.6 %
ROE 10.4 %
Face Value ₹ 10.0

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Pros

Stock is trading at 1.01 times its book value
Company has delivered good profit growth of 29.2% CAGR over last 5 years

Cons

Though the company is reporting repeated profits, it is not paying out dividend
Company has low interest coverage ratio.
Company has a low return on equity of 9.23% 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

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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
	4.66	5.12	5.20	3.80	6.42	6.82	7.59	7.83	8.18	8.67	8.72	11.32	8.63
	1.20	2.43	1.62	0.09	1.62	1.81	1.73	3.54	2.32	4.40	2.12	3.78	1.35
Operating Profit	3.46	2.69	3.58	3.71	4.80	5.01	5.86	4.29	5.86	4.27	6.60	7.54	7.28
OPM %	74.25%	52.54%	68.85%	97.63%	74.77%	73.46%	77.21%	54.79%	71.64%	49.25%	75.69%	66.61%	84.36%
	0.00	0.00	0.05	0.06	0.01	0.03	0.07	0.10	0.06	2.49	0.07	0.95	0.01
Interest	2.09	1.76	2.19	3.32	3.35	3.41	3.71	3.73	4.07	4.00	5.46	6.39	5.85
Depreciation	0.06	0.05	0.07	0.08	0.06	0.07	0.07	0.09	0.05	0.06	0.07	0.07	0.04
Profit before tax	1.31	0.88	1.37	0.37	1.40	1.56	2.15	0.57	1.80	2.70	1.14	2.03	1.40
Tax %	30.53%	61.36%	37.96%	-43.24%	25.00%	25.00%	20.00%	-19.30%	25.00%	25.19%	25.44%	52.22%	17.14%
	0.91	0.34	0.86	0.53	1.04	1.17	1.72	0.68	1.34	2.02	0.86	0.97	1.16
EPS in Rs	0.72	0.27	0.68	0.42	0.82	0.92	1.36	0.54	1.06	1.59	0.68	0.76	0.91
Raw PDF

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
	0.91	0.73	0.83	0.45	1.82	1.88	2.27	2.36	10.39	18.74	28.86	40.39	37.34
	0.23	0.09	0.17	0.26	0.29	0.30	0.33	0.46	2.15	5.26	8.62	12.52	11.65
Operating Profit	0.68	0.64	0.66	0.19	1.53	1.58	1.94	1.90	8.24	13.48	20.24	27.87	25.69
OPM %	74.73%	87.67%	79.52%	42.22%	84.07%	84.04%	85.46%	80.51%	79.31%	71.93%	70.13%	69.00%	68.80%
	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.05	0.00	0.15	0.01	0.06	3.52
Interest	0.01	0.00	0.00	0.00	0.00	0.00	0.00	0.00	4.45	9.44	14.29	20.00	21.70
Depreciation	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.06	0.26	0.29	0.25	0.24
Profit before tax	0.67	0.64	0.66	0.19	1.53	1.58	1.94	1.95	3.73	3.93	5.67	7.68	7.27
Tax %	26.87%	39.06%	34.85%	121.05%	26.80%	27.85%	25.77%	25.64%	29.76%	32.82%	18.69%	32.29%
	0.49	0.39	0.43	-0.04	1.11	1.14	1.44	1.45	2.62	2.63	4.61	5.19	5.01
EPS in Rs	0.39	0.31	0.34	-0.03	0.87	0.90	1.13	1.14	2.06	2.07	3.63	4.09	3.94
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:	49%
5 Years:	78%
3 Years:	57%
TTM:	23%

Compounded Profit Growth
10 Years:	30%
5 Years:	29%
3 Years:	26%
TTM:	2%

Stock Price CAGR
10 Years:	5%
5 Years:	38%
3 Years:	8%
1 Year:	-25%

Return on Equity
10 Years:	6%
5 Years:	8%
3 Years:	9%
Last Year:	10%

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	12.69	12.69	12.69	12.69	12.69	12.69	12.69	12.69	12.69	12.69	12.69	12.69
Reserves	17.97	18.36	18.79	18.64	19.68	20.80	22.25	23.77	26.50	29.14	34.36	39.58
	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	89.02	139.45	164.51	256.50
	0.25	0.44	0.80	0.53	0.21	0.23	0.68	0.41	2.46	11.22	18.97	12.74
Total Liabilities	30.91	31.49	32.28	31.86	32.58	33.72	35.62	36.87	130.67	192.50	230.53	321.51
	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.03	0.60	0.65	0.61	0.53
CWIP	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Investments	1.06	0.72	1.44	0.11	0.07	1.35	1.35	1.39	1.43	0.01	0.01	125.01
	29.85	30.77	30.84	31.75	32.51	32.37	34.27	35.45	128.64	191.84	229.91	195.97
Total Assets	30.91	31.49	32.28	31.86	32.58	33.72	35.62	36.87	130.67	192.50	230.53	321.51

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
	0.47	-0.74	0.76	-1.29	-0.76	-3.08	-4.89	0.42	-87.24	-49.72	-26.07	33.42
	-0.09	0.34	-0.72	1.33	2.05	1.70	4.94	-0.03	-1.62	1.15	-0.01	-126.70
	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	89.01	50.43	25.06	91.99
Net Cash Flow	0.38	-0.40	0.03	0.04	1.28	-1.38	0.05	0.39	0.15	1.86	-1.01	-1.30
Free Cash Flow	0.47	-0.74	0.76	-1.29	-0.76	-3.08	-4.89	0.42	-87.87	-50.03	-26.32	33.25
CFO/OP	75%	-112%	180%	-679%	-34%	-168%	-244%	71%	-1,042%	-362%	-123%	128%

Ratios

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
Debtor Days	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.35	0.78	0.00	0.00
Inventory Days
Days Payable
Cash Conversion Cycle	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.35	0.78	0.00	0.00
Working Capital Days	7,709.12	10,180.00	8,808.37	17,171.22	1,570.30	933.86	-93.26	12.37	-67.45	-216.58	-238.78	-114.68
ROCE %	2.24%	2.07%	2.11%	0.60%	4.80%	4.80%	5.67%	5.46%	9.94%	8.64%	10.16%	10.64%

Insights

In beta

Mar 2019

Mar 2020

Mar 2021

Mar 2022

Mar 2023

Mar 2024

Mar 2025

Gross Loan Book (AUM)
INR crores

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Number of Branches
count

Number of Permanent Employees
count

Secured Loans Portfolio
INR lakhs

Other Loans Portfolio
INR lakhs

Personal Loans (Retail) Portfolio
INR lakhs

Services - Finance & Lending Portfolio
INR lakhs

Extracted by Screener AI

Shareholding Pattern

Numbers in percentages

	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026	Jun 2026
	54.12%	54.12%	54.12%	54.12%	54.12%	54.12%	54.12%	54.12%	54.12%	54.12%	54.12%	54.12%
	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.03%	0.03%	0.03%
	45.87%	45.88%	45.88%	45.88%	45.88%	45.87%	45.87%	45.87%	45.88%	45.85%	45.85%	45.85%
No. of Shareholders	1,421	1,379	1,344	1,318	1,328	1,340	1,361	1,358	1,382	1,383	1,380	1,394

	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026	Jun 2026
	54.12%	54.12%	54.12%	54.12%	54.12%	54.12%	54.12%	54.12%	54.12%	54.12%	54.12%	54.12%
	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.03%	0.03%
	45.88%	45.88%	45.88%	45.88%	45.88%	45.88%	45.88%	45.88%	45.88%	45.87%	45.85%	45.85%
No. of Shareholders	579	636	670	707	752	808	1,400	1,415	1,344	1,361	1,380	1,394

* 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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Real Touch Finance Ltd.

Real Touch Finance Ltd.

Peer comparison

Quarterly Results

Profit & Loss

Balance Sheet

Cash Flows

Ratios

Insights

Shareholding Pattern

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