Karnavati Finance Ltd
₹ 1.36
-0.73%
13 Feb
- close price
About
Incorporated in 1984, Karnavati Finance Ltd provides finance of personal loan, business
loan, auto loan, education loan and mortgage loans[1]
Key Points
- Market Cap ₹ 13.7 Cr.
- Current Price ₹ 1.36
- High / Low ₹ 2.44 / 1.23
- Stock P/E
- Book Value ₹ 0.94
- Dividend Yield 0.00 %
- ROCE -2.09 %
- ROE -15.2 %
- Face Value ₹ 1.00
Pros
Cons
- Company has low interest coverage ratio.
- The company has delivered a poor sales growth of -10.7% over past five years.
- Company has a low return on equity of -7.52% over last 3 years.
- Company might be capitalizing the interest cost
* 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.
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Quarterly Results
Figures in Rs. Crores
Profit & Loss
Figures in Rs. Crores
| Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | TTM | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 0.37 | 0.48 | 0.44 | 0.95 | 2.02 | 3.24 | 2.76 | 1.22 | 2.40 | 2.85 | 3.04 | 1.57 | 3.35 | |
| Interest | 0.00 | 0.00 | 0.00 | 0.01 | 0.68 | 1.58 | 0.26 | 0.05 | 0.03 | 0.34 | 1.59 | 1.17 | 2.62 |
| 0.26 | 0.81 | 0.17 | 0.24 | 0.56 | 0.66 | 2.35 | 0.95 | 2.04 | 1.76 | 3.02 | 2.08 | 1.71 | |
| Financing Profit | 0.11 | -0.33 | 0.27 | 0.70 | 0.78 | 1.00 | 0.15 | 0.22 | 0.33 | 0.75 | -1.57 | -1.68 | -0.98 |
| Financing Margin % | 29.73% | -68.75% | 61.36% | 73.68% | 38.61% | 30.86% | 5.43% | 18.03% | 13.75% | 26.32% | -51.64% | -107.01% | -29.25% |
| 0.00 | 0.00 | 0.18 | 0.28 | 0.07 | 0.00 | 0.00 | 0.00 | 0.08 | 0.00 | 0.00 | 0.00 | 0.00 | |
| Depreciation | 0.01 | 0.02 | 0.02 | 0.02 | 0.02 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.00 | 0.00 | 0.00 |
| Profit before tax | 0.10 | -0.35 | 0.43 | 0.96 | 0.83 | 0.99 | 0.14 | 0.21 | 0.40 | 0.74 | -1.57 | -1.68 | -0.98 |
| Tax % | 50.00% | 8.57% | 16.28% | 22.92% | 25.30% | 27.27% | 21.43% | 42.86% | 25.00% | 25.68% | 5.73% | 0.00% | |
| 0.04 | -0.38 | 0.37 | 0.75 | 0.62 | 0.72 | 0.11 | 0.12 | 0.30 | 0.56 | -1.67 | -1.68 | -0.98 | |
| EPS in Rs | 0.01 | -0.05 | 0.04 | 0.09 | 0.06 | 0.07 | 0.01 | 0.01 | 0.03 | 0.06 | -0.17 | -0.17 | -0.10 |
| 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: | 13% |
| 5 Years: | -11% |
| 3 Years: | -13% |
| TTM: | 52% |
| Compounded Profit Growth | |
|---|---|
| 10 Years: | % |
| 5 Years: | % |
| 3 Years: | % |
| TTM: | -1% |
| Stock Price CAGR | |
|---|---|
| 10 Years: | 2% |
| 5 Years: | -6% |
| 3 Years: | -57% |
| 1 Year: | -32% |
| Return on Equity | |
|---|---|
| 10 Years: | 0% |
| 5 Years: | -4% |
| 3 Years: | -8% |
| Last Year: | -15% |
Balance Sheet
Figures in Rs. Crores
| Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Sep 2025 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Equity Capital | 3.78 | 8.36 | 8.36 | 8.36 | 10.05 | 10.05 | 10.05 | 10.05 | 10.05 | 10.05 | 10.05 | 10.05 | 10.05 |
| Reserves | -0.67 | -1.05 | -0.68 | 0.07 | 1.71 | 2.43 | 2.54 | 2.66 | 2.96 | 3.53 | 1.86 | 0.18 | -0.62 |
| Borrowing | 0.03 | 0.27 | 0.02 | 0.00 | 14.52 | 16.03 | 11.30 | 5.44 | 1.21 | 12.72 | 15.55 | 11.09 | 59.54 |
| 0.24 | 0.29 | 0.31 | 0.42 | 0.67 | 0.81 | 0.53 | 0.77 | 0.25 | 1.05 | 1.27 | 0.29 | 0.51 | |
| Total Liabilities | 3.38 | 7.87 | 8.01 | 8.85 | 26.95 | 29.32 | 24.42 | 18.92 | 14.47 | 27.35 | 28.73 | 21.61 | 69.48 |
| 0.13 | 0.11 | 0.10 | 0.08 | 0.06 | 0.05 | 0.04 | 0.03 | 0.02 | 0.01 | 0.01 | 0.01 | 0.01 | |
| 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 | 0.00 |
| Investments | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| 3.25 | 7.76 | 7.91 | 8.77 | 26.89 | 29.27 | 24.38 | 18.89 | 14.45 | 27.34 | 28.72 | 21.60 | 69.47 | |
| Total Assets | 3.38 | 7.87 | 8.01 | 8.85 | 26.95 | 29.32 | 24.42 | 18.92 | 14.47 | 27.35 | 28.73 | 21.61 | 69.48 |
Cash Flows
Figures in Rs. Crores
| Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 0.29 | -4.65 | -0.07 | 0.35 | -16.56 | 0.08 | 4.86 | 5.71 | 4.25 | -9.44 | -2.79 | 5.48 | |
| -0.10 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | |
| -0.04 | 4.82 | -0.25 | -0.03 | 16.55 | -0.08 | -5.00 | -5.91 | -4.25 | 11.03 | 1.25 | -5.60 | |
| Net Cash Flow | 0.15 | 0.17 | -0.32 | 0.32 | -0.01 | 0.01 | -0.14 | -0.20 | 0.00 | 1.58 | -1.55 | -0.12 |
Ratios
Figures in Rs. Crores
| Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE % | 1.29% | -7.29% | 4.94% | 9.31% | 6.14% | 5.94% | 0.88% | 0.95% | 2.33% | 4.21% | -13.10% | -15.18% |
Documents
Announcements
- Results-Unaudited Financial Results For The Quarter Ended On December 31, 2025. 1d
-
Board Meeting Outcome for Approval Of Unaudited Financial Results For The Quarter Ended On December 31, 2025
1d - Filed unaudited financial results for quarter ended Dec 31, 2025; limited review report attached.
-
Board Meeting Intimation for Consideration Of Unaudited Financial Results For The Quarter Ended On December 31, 2025
7 Feb - Board meeting on Feb 13, 2026 to approve unaudited results for quarter ended Dec 31, 2025.
- Compliances-Certificate under Reg. 74 (5) of SEBI (DP) Regulations, 2018 30 Jan
- Closure of Trading Window 31 Dec 2025
Annual reports
-
Financial Year 2025
from bse
-
Financial Year 2024
from bse
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Financial Year 2023
from bse
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Financial Year 2022
from bse
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Financial Year 2021
from bse
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Financial Year 2020
from bse
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Financial Year 2019
from bse
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Financial Year 2018
from bse
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Financial Year 2017
from bse
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Financial Year 2016
from bse
-
Financial Year 2015
from bse
Business Overview:[1][2]
KFL is a Non-Systematically Important Non-Deposit Taking NBFC, offering lending, financing, and wealth management solutions. Its services include personal and business loans, gold loans, LAP, microfinance, corporate finance, mortgages, project loans, structured finance, capital market lending, digital lending, and debt syndication.
Product Profile:
a) Personal Loan:[3]
The company offers unsecured loans which doesn’t require any security, mainly to Individuals and small businesses including proprietorship firms & MSMEs, etc
b) Business Loan:[4]
KFL provides finance for requirements of businessmen, Micro, Small, and Medium Enterprises (MSME,) and entrepreneurs
c) Loan Against Property:[5]
This loan is provided to individuals and business enterprises against their property which requires property to be mortgaged in favor of KaFL for security purposes. The tenure of the loan is generally for 3 to 5 year
d) Gold Loan:[6]
Company also offers loans against gold, gold jewelry, etc.
e) Digital Lending:[7]
It provides loans through its digital interface
f) Micro Finance[8]