Capital India Finance Ltd
Incorporated in 1994, Capital India Finance Ltd is in the business of lending, forex (including MTSS business) and fintech business[1]
- Market Cap ₹ 1,283 Cr.
- Current Price ₹ 32.8
- High / Low ₹ 44.5 / 29.0
- Stock P/E
- Book Value ₹ 17.2
- Dividend Yield 0.06 %
- ROCE 6.34 %
- ROE 0.30 %
- Face Value ₹ 2.00
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 Allcap BSE Financial Services
Quarterly Results
Consolidated Figures in Rs. Crores / View Standalone
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 | 546 | |
| Interest | 10 | 9 | 17 | 24 | 51 | 84 | 105 | 110 | 95 |
| 11 | 31 | 127 | 265 | 476 | 633 | 562 | 485 | 486 | |
| Financing Profit | 5 | 19 | 36 | 29 | 5 | -62 | 13 | 17 | -35 |
| Financing Margin % | 19% | 32% | 20% | 9% | 1% | -9% | 2% | 3% | -6% |
| 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 | 42 |
| Tax % | 37% | 42% | 43% | 59% | 18% | 2% | 599% | 15% | |
| 3 | 7 | 14 | 6 | -21 | -87 | -6 | -10 | 35 | |
| EPS in Rs | 0.89 | 0.17 | 0.44 | 0.25 | -0.07 | -1.07 | 0.30 | 0.04 | 1.08 |
| Dividend Payout % | 13% | 48% | 5% | 8% | -28% | -2% | 7% | 50% |
| Compounded Sales Growth | |
|---|---|
| 10 Years: | % |
| 5 Years: | 28% |
| 3 Years: | 5% |
| TTM: | -14% |
| Compounded Profit Growth | |
|---|---|
| 10 Years: | % |
| 5 Years: | -36% |
| 3 Years: | 40% |
| TTM: | -567906% |
| Stock Price CAGR | |
|---|---|
| 10 Years: | 29% |
| 5 Years: | 4% |
| 3 Years: | 24% |
| 1 Year: | -6% |
| 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 |
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% |
Documents
Announcements
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Announcement under Regulation 30 (LODR)-Change in Management
7h - Members approved Surender Rana as Executive Vice Chairman, whole-time director for three years from Nov 18, 2025.
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Shareholder Meeting / Postal Ballot-Scrutinizer"s Report
7h - Capital India approved Surender Rana as Executive Vice Chairman via postal ballot on February 12, 2026.
- Shareholder Meeting / Postal Ballot-Outcome of Postal_Ballot 7h
-
Board Meeting Intimation for Board Meeting Scheduled To Be Held On Friday, February 13, 2026, And Trading Window
5 Feb - Board meeting Feb 13, 2026 to approve unaudited quarter and nine-month results; trading window closed Jan 1–Feb 15, 2026.
-
Announcement under Regulation 30 (LODR)-Cessation
31 Jan - Chetan Bafna resigned as Chief Credit Officer, effective January 31, 2026.
Annual reports
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Financial Year 2025
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Financial Year 2024
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Financial Year 2023
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Financial Year 2022
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Financial Year 2021
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Financial Year 2020
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Financial Year 2019
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Financial Year 2018
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Financial Year 2017
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Financial Year 2016
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Financial Year 2015
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Financial Year 2014
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Financial Year 2013
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Financial Year 2012
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Financial Year 2011
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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.