Kalyan Capitals Ltd

Kalyan Capitals Summary Chart Analysis Peers Quarters Profit & Loss Balance Sheet Cash Flow Ratios Investors Documents

Kalyan Capitals Ltd

₹ 9.37 1.74%
22 May - close price
kalyancapitals.com BSE: 538778
About

Incorporated in 1983, Kalyan Capitals Ltd is in the business of offering Retail Loans and
Advances.[1]

Key Points

Business Overview:[1][2]
KCL is registered as a non-systematically important non-deposit taking base layer non-banking financial - Investment and Credit Company (NBFC - ICC). It is in business of providing funded facilities to individuals & corporates

Website BSE
  • Market Cap ₹ 49.2 Cr.
  • Current Price ₹ 9.37
  • High / Low ₹ 10.5 / 4.46
  • Stock P/E 12.8
  • Book Value ₹ 10.0
  • Dividend Yield 0.00 %
  • ROCE 10.4 %
  • ROE 5.18 %
  • Face Value ₹ 2.00
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Pros

  • Stock is trading at 0.93 times its book value
  • Company is expected to give good quarter

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 8.69% 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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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
5.47 5.82 5.97 6.37 9.57 9.80 7.21 6.71 4.41 7.98 8.83 8.57 9.87
Interest 3.53 4.06 3.54 4.39 6.08 6.96 4.02 4.07 4.20 4.56 4.82 6.17 7.29
0.42 0.35 0.27 0.42 0.44 1.17 0.27 0.33 0.36 2.79 0.52 0.80 1.45
Financing Profit 1.52 1.41 2.16 1.56 3.05 1.67 2.92 2.31 -0.15 0.63 3.49 1.60 1.13
Financing Margin % 27.79% 24.23% 36.18% 24.49% 31.87% 17.04% 40.50% 34.43% -3.40% 7.89% 39.52% 18.67% 11.45%
0.00 0.10 0.08 0.88 0.25 0.39 0.02 0.00 0.05 -0.02 0.00 0.00 0.06
Depreciation 0.08 0.11 0.06 0.18 0.32 0.07 0.15 0.15 0.15 0.15 0.10 0.11 0.11
Profit before tax 1.44 1.40 2.18 2.26 2.98 1.99 2.79 2.16 -0.25 0.46 3.39 1.49 1.08
Tax % 22.22% 20.71% 19.27% 24.78% 25.84% 13.57% 57.35% 27.78% -208.00% 82.61% 28.61% 8.72% 25.00%
1.12 1.11 1.75 1.70 2.21 1.72 1.18 1.55 0.26 0.07 2.42 1.37 0.82
EPS in Rs 0.20 0.18 0.29 0.26 0.34 0.27 0.18 0.24 0.04 0.01 0.39 0.22 0.11
Gross NPA %
Net NPA %
Raw PDF
Upcoming result date: tomorrow

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
46.97 4.15 5.04 4.07 9.70 20.08 31.74 26.35 35.25
Interest 1.39 1.56 1.18 1.24 4.52 13.32 20.96 16.85 22.84
43.50 1.10 1.20 1.36 1.74 1.39 2.29 3.76 5.56
Financing Profit 2.08 1.49 2.66 1.47 3.44 5.37 8.49 5.74 6.85
Financing Margin % 4.43% 35.90% 52.78% 36.12% 35.46% 26.74% 26.75% 21.78% 19.43%
0.04 0.86 0.20 0.05 0.03 0.03 1.55 0.01 0.04
Depreciation 0.10 0.11 0.11 0.15 0.24 0.33 0.63 0.62 0.47
Profit before tax 2.02 2.24 2.75 1.37 3.23 5.07 9.41 5.13 6.42
Tax % 32.67% 21.88% 19.27% 27.74% 20.43% 21.50% 21.57% 40.16%
1.36 1.75 2.22 0.98 2.57 3.99 7.39 3.07 4.68
EPS in Rs 0.32 0.41 0.52 0.19 0.51 0.68 1.14 0.48 0.73
Dividend Payout % 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Compounded Sales Growth
10 Years: %
5 Years: 39%
3 Years: 40%
TTM: 25%
Compounded Profit Growth
10 Years: %
5 Years: 3%
3 Years: 5%
TTM: 1%
Stock Price CAGR
10 Years: 14%
5 Years: 6%
3 Years: -14%
1 Year: -1%
Return on Equity
10 Years: %
5 Years: 8%
3 Years: 9%
Last Year: 5%

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 8.50 8.50 8.50 8.50 8.50 10.50 10.50 10.50 10.50
Reserves 14.61 16.52 18.79 19.10 21.28 30.46 36.48 38.98 42.18
Borrowing 10.40 11.26 10.12 13.54 80.35 95.63 125.07 186.54 261.94
1.44 1.25 1.58 7.39 5.21 7.80 10.36 9.23 12.46
Total Liabilities 34.95 37.53 38.99 48.53 115.34 144.39 182.41 245.25 327.08
3.35 3.44 2.69 2.78 2.97 2.85 3.36 2.74 2.53
CWIP 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Investments 3.99 4.41 1.72 0.00 1.25 3.11 7.57 9.14 11.33
27.61 29.68 34.58 45.75 111.12 138.43 171.48 233.37 313.22
Total Assets 34.95 37.53 38.99 48.53 115.34 144.39 182.41 245.25 327.08

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
-4.94 0.94 0.18 1.96 3.06 2.00 6.69 5.27
-8.91 -2.00 -0.40 -5.82 -66.95 -24.77 -34.11 -42.38
14.14 0.99 0.00 3.41 63.82 22.88 29.45 61.46
Net Cash Flow 0.29 -0.07 -0.21 -0.45 -0.07 0.11 2.03 24.35
Free Cash Flow 3.79 0.75 0.18 1.38 2.64 2.04 7.11 5.27
CFO/OP -154% 47% 8% 93% 44% 15% 27% 33%

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 % 5.88% 7.27% 8.45% 2.80% 7.56% 10.01% 11.47% 5.18%

Insights

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Mar 2014 Mar 2015 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025
Number of Permanent Employees
Count ・Standalone data

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Gross Loan Assets
INR Lakhs
Capital Adequacy Ratio (CRAR)
% ・Standalone data
Gross NPA %
% ・Standalone data
Number of Branches
Count ・Standalone data
Business Loan Portfolio
INR Lakhs
Gold Loan Portfolio
INR Lakhs
Vehicle Loan Portfolio
INR Lakhs

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Shareholding Pattern

Numbers in percentages

6 Recently
Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026
68.57% 68.48% 68.48% 67.59% 67.59% 67.59% 67.59% 67.61% 67.61% 67.61% 67.61% 67.61%
31.43% 31.52% 31.54% 32.41% 32.40% 32.40% 32.41% 32.38% 32.39% 32.38% 32.38% 32.39%
No. of Shareholders 3,9934,8545,3757,4448,0509,08910,30810,95410,88310,90110,81910,888

Documents

Announcements

Annual reports