Karnavati Finance Ltd
₹ 1.26
-3.08%
12 Jun
- 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 ₹ 12.7 Cr.
- Current Price ₹ 1.26
- High / Low ₹ 2.42 / 1.08
- Stock P/E
- Book Value ₹ 0.43
- Dividend Yield 0.00 %
- ROCE -4.37 %
- ROE -81.0 %
- Face Value ₹ 1.00
Pros
- Promoter holding has increased by 3.12% over last quarter.
Cons
- Stock is trading at 2.92 times its book value
- Company has low interest coverage ratio.
- Company has a low return on equity of -29.8% 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.
Loading peers table ...
Quarterly Results
Figures in Rs. Crores
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 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 0.48 | 0.44 | 0.95 | 2.02 | 3.24 | 2.76 | 1.22 | 2.40 | 2.85 | 3.04 | 1.57 | 5.31 | |
| Interest | -0.00 | -0.00 | 0.01 | 0.68 | 1.58 | 0.26 | 0.05 | 0.03 | 0.34 | 1.59 | 1.17 | 3.87 |
| 0.81 | 0.17 | 0.24 | 0.56 | 0.66 | 2.35 | 0.95 | 2.04 | 1.76 | 3.02 | 2.08 | 7.18 | |
| Financing Profit | -0.33 | 0.27 | 0.70 | 0.78 | 1.00 | 0.15 | 0.22 | 0.33 | 0.75 | -1.57 | -1.68 | -5.74 |
| Financing Margin % | -68.75% | 61.36% | 73.68% | 38.61% | 30.86% | 5.43% | 18.03% | 13.75% | 26.32% | -51.64% | -107.01% | -108.10% |
| -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 | 0.02 | 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 | -0.35 | 0.43 | 0.96 | 0.83 | 0.99 | 0.14 | 0.21 | 0.40 | 0.74 | -1.57 | -1.68 | -5.74 |
| Tax % | 8.57% | 16.28% | 22.92% | 25.30% | 27.27% | 21.43% | 42.86% | 25.00% | 25.68% | 5.73% | -0.00% | 2.61% |
| -0.38 | 0.37 | 0.75 | 0.62 | 0.72 | 0.11 | 0.12 | 0.30 | 0.56 | -1.67 | -1.68 | -5.90 | |
| EPS in Rs | -0.05 | 0.04 | 0.09 | 0.06 | 0.07 | 0.01 | 0.01 | 0.03 | 0.06 | -0.17 | -0.17 | -0.59 |
| 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: | 28% |
| 5 Years: | 34% |
| 3 Years: | 23% |
| TTM: | 238% |
| Compounded Profit Growth | |
|---|---|
| 10 Years: | % |
| 5 Years: | % |
| 3 Years: | % |
| TTM: | -251% |
| Stock Price CAGR | |
|---|---|
| 10 Years: | 1% |
| 5 Years: | -8% |
| 3 Years: | -40% |
| 1 Year: | -42% |
| Return on Equity | |
|---|---|
| 10 Years: | -5% |
| 5 Years: | -15% |
| 3 Years: | -30% |
| Last Year: | -81% |
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 | 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 | -1.05 | -0.68 | 0.07 | 1.71 | 2.43 | 2.54 | 2.66 | 2.96 | 3.53 | 1.86 | 0.18 | -5.72 |
| Borrowing | 0.27 | 0.02 | -0.00 | 14.52 | 16.03 | 11.30 | 5.44 | 1.21 | 12.72 | 15.55 | 11.09 | 59.90 |
| 0.29 | 0.31 | 0.42 | 0.67 | 0.81 | 0.53 | 0.77 | 0.25 | 1.05 | 1.27 | 0.29 | 1.03 | |
| Total Liabilities | 7.87 | 8.01 | 8.85 | 26.95 | 29.32 | 24.42 | 18.92 | 14.47 | 27.35 | 28.73 | 21.61 | 65.26 |
| 0.11 | 0.10 | 0.08 | 0.06 | 0.05 | 0.04 | 0.03 | 0.02 | 0.01 | 0.01 | 0.01 | -0.00 | |
| 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 | -0.00 | -0.00 | -0.00 | -0.00 | -0.00 | -0.00 | -0.00 | -0.00 | -0.00 | -0.00 | -0.00 | -0.00 |
| 7.76 | 7.91 | 8.77 | 26.89 | 29.27 | 24.38 | 18.89 | 14.45 | 27.34 | 28.72 | 21.60 | 65.26 | |
| Total Assets | 7.87 | 8.01 | 8.85 | 26.95 | 29.32 | 24.42 | 18.92 | 14.47 | 27.35 | 28.73 | 21.61 | 65.26 |
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 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| -4.65 | -0.07 | 0.35 | -16.56 | 0.08 | 4.86 | 5.71 | 4.25 | -9.44 | -2.79 | 5.48 | -44.84 | |
| -0.00 | -0.00 | -0.00 | -0.00 | -0.00 | -0.00 | -0.00 | -0.00 | -0.00 | -0.00 | -0.00 | -0.00 | |
| 4.82 | -0.25 | -0.03 | 16.55 | -0.08 | -5.00 | -5.91 | -4.25 | 11.03 | 1.25 | -5.60 | 44.93 | |
| Net Cash Flow | 0.17 | -0.32 | 0.32 | -0.01 | 0.01 | -0.14 | -0.20 | -0.00 | 1.58 | -1.55 | -0.12 | 0.09 |
| Free Cash Flow | -4.65 | -0.07 | 0.35 | -16.56 | 0.08 | 4.86 | 5.71 | 4.25 | -9.44 | -2.79 | 5.48 | -44.84 |
| CFO/OP | 1,403% | -19% | 65% | -1,121% | 12% | 1,207% | 2,133% | 1,181% | -857% | -13,100% | -1,075% | 2,390% |
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 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE % | -7.29% | 4.94% | 9.31% | 6.14% | 5.94% | 0.88% | 0.95% | 2.33% | 4.21% | -13.10% | -15.18% | -81.04% |
Insights
In beta| Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Total Loan Assets (Net) INR Lakhs |
|
||||||||||
| Total Number of Employees Number |
|||||||||||
Requires Premium
Requires Premium
Extracted by Screener AI
Documents
Announcements
-
Compliances-Reg.24(A)-Annual Secretarial Compliance
30 May - Submitted FY2025-26 secretarial compliance report; BSE fined Rs 2,000 plus GST for one-day delay.
-
Disclosure under Regulation 30A of LODR
29 May - Tejwani & Co appointed internal auditor for FY 2026-27 on May 29, 2026.
- Audited Financial Results For The Quarter And Year Ended On 31.03.2026 29 May
-
Board Meeting Outcome for For Approval Of Audited Financial Results For The Quarter And Year Ended On March 31, 2026
29 May - Board approved FY26 audited results with unmodified opinion and appointed Tejwani & Co. as internal auditor.
-
Board Meeting Intimation for Consideration Of Audited Financial Results For The Quarter And Year Ended On March 31, 2026
23 May - Board meeting on May 29, 2026 to approve audited Q4 and FY2026 financial results.
Annual reports
-
Financial Year 2025
from bse
-
Financial Year 2024
from bse
-
Financial Year 2023
from bse
-
Financial Year 2022
from bse
-
Financial Year 2021
from bse
-
Financial Year 2020
from bse
-
Financial Year 2019
from bse
-
Financial Year 2018
from bse
-
Financial Year 2017
from bse
-
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]