Karnavati Finance Ltd

AI

Karnavati Finance Ltd

₹
- 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

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]

  • Market Cap ₹ Cr.
  • Current Price ₹
  • High / Low ₹ /
  • Stock P/E
  • Book Value ₹
  • Dividend Yield %
  • ROCE %
  • ROE %
  • Face Value ₹

Pros

Cons

* 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

Interest
Financing Profit
Financing Margin %
Depreciation
Profit before tax
Tax %
EPS in Rs
Gross NPA %
Net NPA %
Raw PDF

Profit & Loss

Figures in Rs. Crores

Interest
Financing Profit
Financing Margin %
Depreciation
Profit before tax
Tax %
EPS in Rs
Dividend Payout %
Compounded Sales Growth
10 Years: %
5 Years: %
3 Years: %
TTM: %
Compounded Profit Growth
10 Years: %
5 Years: %
3 Years: %
TTM: %
Stock Price CAGR
10 Years: %
5 Years: %
3 Years: %
1 Year: %
Return on Equity
10 Years: %
5 Years: %
3 Years: %
Last Year: %

Balance Sheet

Figures in Rs. Crores

Equity Capital
Reserves
Borrowing
Total Liabilities
CWIP
Investments
Total Assets

Cash Flows

Figures in Rs. Crores

Net Cash Flow
Free Cash Flow
CFO/OP

Ratios

ROE %

Insights

In beta
Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025
Net Loan Portfolio
INR Lakhs ・Standalone data

Log in to view insights

Please log in to see hidden values.

Login
Number of Permanent Employees
count ・Standalone data
Gross Loan Portfolio
INR Lakhs ・Standalone data
Business Loan Portfolio (Gross)
INR Lakhs ・Standalone data
Mortgage Loan Portfolio (Gross)
INR Lakhs ・Standalone data
Personal Loan Portfolio (Gross)
INR Lakhs ・Standalone data
Secured Loans (Gross)
INR Lakhs ・Standalone data
Unsecured Loans (Gross)
INR Lakhs ・Standalone data

Extracted by Screener AI

Shareholding Pattern

Numbers in percentages

Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026
58.64% 58.64% 58.64% 58.64% 58.64% 58.64% 58.64% 58.64% 58.64% 58.94% 62.06% 62.06%
41.36% 41.37% 41.36% 41.36% 41.37% 41.36% 41.37% 41.36% 41.35% 41.07% 37.94% 37.94%
No. of Shareholders 6,0496,7037,4627,9458,8949,3659,4529,3099,8449,8789,8009,701

Documents