Capital India Finance Ltd

₹ 27.1 -3.18%

24 Apr - close price

About

Incorporated in 1994, Capital India Finance Ltd is in the business of lending, forex (including MTSS business) and fintech business^[1]

Key Points

Business Overview:^[1]
CIFL is an integrated financial services platform offering customized finance solutions. It provides loans against property to SME/MSME segments and offers corporate/structured finance loans. The company now focuses on the SME business class, expanding from its earlier focus on commercial real estate.

Website BSE NSE

Market Cap ₹ 1,060 Cr.
Current Price ₹ 27.1
High / Low ₹ 44.5 / 20.4
Stock P/E
Book Value ₹ 17.2
Dividend Yield 0.07 %
ROCE 6.34 %
ROE 0.30 %
Face Value ₹ 2.00

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Pros

Company has reduced debt.
Company has been maintaining a healthy dividend payout of 18.3%

Cons

Company has low interest coverage ratio.
Company has a low return on equity of -1.66% over last 3 years.
Earnings include an other income of Rs.109 Cr.

* 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)

Part of BSE Financial Services

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Detailed Comparison with:

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
	161.79	159.74	174.99	176.11	165.12	167.38	158.27	142.82	135.01	139.33	122.64	131.79	147.02
Interest	20.85	22.04	25.74	26.24	25.30	24.77	25.62	16.55	18.65	27.62	19.82	19.75	22.24
	160.15	155.99	146.23	146.90	133.99	139.98	132.94	120.97	110.34	108.69	100.82	158.78	124.16
Financing Profit	-19.21	-18.29	3.02	2.97	5.83	2.63	-0.29	5.30	6.02	3.02	2.00	-46.74	0.62
Financing Margin %	-11.87%	-11.45%	1.73%	1.69%	3.53%	1.57%	-0.18%	3.71%	4.46%	2.17%	1.63%	-35.47%	0.42%
	1.98	1.69	11.47	2.47	0.66	2.42	0.70	4.23	1.03	2.00	0.48	105.92	1.06
Depreciation	6.43	6.15	7.31	7.96	7.64	7.26	7.92	7.77	8.03	7.94	8.11	8.12	7.66
Profit before tax	-23.66	-22.75	7.18	-2.52	-1.15	-2.21	-7.51	1.76	-0.98	-2.92	-5.63	51.06	-5.98
Tax %	-8.37%	5.23%	32.45%	102.78%	105.22%	71.95%	-15.45%	65.91%	94.90%	-11.99%	0.18%	12.50%	-13.04%
	-21.68	-23.94	4.85	-5.11	-2.37	-3.80	-6.35	0.60	-1.91	-2.56	-5.64	44.69	-5.19
EPS in Rs	-0.25	-0.30	0.27	0.00	0.01	0.02	-0.04	0.08	0.02	-0.02	-0.07	1.15	-0.07
Gross NPA %
Net NPA %
Raw PDF

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
	26	60	179	318	532	655	680	612	541
Interest	10	9	17	24	51	84	105	110	89
	11	31	127	265	476	633	562	485	492
Financing Profit	5	19	36	29	5	-62	13	17	-41
Financing Margin %	19%	32%	20%	9%	1%	-9%	2%	3%	-8%
	0	0	0	-0	-2	1	18	6	109
Depreciation	0	8	12	15	21	25	30	32	32
Profit before tax	4	11	24	15	-18	-85	1	-9	37
Tax %	37%	42%	43%	59%	18%	2%	599%	15%
	3	7	14	6	-21	-87	-6	-10	31
EPS in Rs	0.89	0.17	0.44	0.25	-0.07	-1.07	0.30	0.04	0.99
Dividend Payout %	13%	48%	5%	8%	-28%	-2%	7%	50%

Compounded Sales Growth
10 Years:	%
5 Years:	28%
3 Years:	5%
TTM:	-10%

Compounded Profit Growth
10 Years:	%
5 Years:	-36%
3 Years:	40%
TTM:	-24064%

Stock Price CAGR
10 Years:	%
5 Years:	9%
3 Years:	22%
1 Year:	-29%

Return on Equity
10 Years:	%
5 Years:	-1%
3 Years:	-2%
Last Year:	0%

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	4	78	78	78	78	78	78	78	78
Reserves	128	430	444	485	543	528	545	550	594
Borrowing	7	132	121	327	764	924	899	996	700
	16	30	70	154	242	265	279	228	229
Total Liabilities	154	670	713	1,044	1,626	1,795	1,801	1,853	1,601
	8	31	47	56	78	81	94	90	83
CWIP	2	2	1	5	11	35	10	9	0
Investments	0	24	9	0	10	44	10	64	197
	144	614	656	982	1,528	1,634	1,687	1,691	1,321
Total Assets	154	670	713	1,044	1,626	1,795	1,801	1,853	1,601

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
	-5	-453	30	-69	-313	-23	121	13
	-21	-29	25	-87	-110	-16	1	-61
	-6	490	-17	231	480	80	-124	-27
Net Cash Flow	-32	8	38	74	56	41	-2	-75
Free Cash Flow	-16	-463	25	-81	-347	-74	99	3
CFO/OP	-15%	-1,584%	81%	-106%	-540%	-80%	102%	10%

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 %	2%	2%	3%	2%	-0%	-7%	1%	0%

Insights

In beta

Mar 2015

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Gross NPA Percentage
% ・Standalone data

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Net NPA Percentage
% ・Standalone data

Assets Under Management (AUM) - Consolidated
INR Crores

Capital Adequacy Ratio (CRAR)
% ・Standalone data

Disbursements
INR Crores ・Standalone data

Total Employees
Count

Number of Branches (Forex Business)
Count ・Standalone data

Number of Branches (Lending Business)
Count ・Standalone data

Extracted by Screener AI

Shareholding Pattern

Numbers in percentages

	Jun 2023	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026
	73.04%	73.04%	73.04%	73.04%	73.04%	73.04%	73.02%	72.95%	72.87%	72.84%	72.59%	72.59%
	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.13%	0.28%	0.08%	0.06%	0.03%
	26.97%	26.96%	26.96%	26.97%	26.98%	26.97%	26.99%	26.93%	26.85%	27.07%	27.34%	27.38%
No. of Shareholders	1,342	1,342	1,347	1,339	1,461	2,024	2,619	3,740	5,095	7,056	7,434	7,880

	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
	41.90%	63.73%	73.04%	73.04%	73.04%	73.04%	73.04%	73.04%	72.95%	72.59%
	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.13%	0.03%
	58.10%	36.27%	26.96%	26.96%	26.96%	26.96%	26.96%	26.97%	26.93%	27.38%
No. of Shareholders	811	459	629	656	793	1,185	1,324	1,339	3,740	7,880

* 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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