Capital India Finance Ltd.
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ABOUT
KEY POINTS
Revenue Breakup Mar 2026 • Prepaid Payment Instrument business: 56.9% • Lending business: 38.3% • Forex Business: 4.7%
AI Sector View
AI GENERATEDFinancial Services
Financials remain one of the clearest macro beneficiaries. Loan growth was 18.3% (Aug/26) versus deposit growth 14.7% (Aug/26), SCB credit growth was 17.5% YoY (2026-07), UPI transactions rose 22.0% YoY (2026-07), and M3 money supply grew 15.0% YoY (2026-07). Sector flows have also turned meaningfully supportive, with INR 13171 crore net FPI inflow over 3 months to 2026-08-31 after INR -114652 crore in the prior 3 months.
PROS
- Company has delivered good profit growth of 39.3% CAGR over last 5 years
- Comfortable capital adequacy - CAR of 41.0%
- Solid return on assets for a lender - ROA of 2.6%
- Operating margins have improved to 8.4% from 5.1%
CONS
- Company has a low return on equity of 0.6% over last 3 years
- Company has a low return on capital employed of 6.3%
- Recurring exceptional / one-off items are inflating headline profit
- Effective tax rate is unusually low at 13.6% - earnings may be flattered
- Though reporting repeated profits, the company pays out little dividend (0.0%)
- Company's return on assets is weak at 1.7%
* The pros and cons are machine generated based on quantitative rules.
Peer comparison
| Name | ||||||||||
|---|---|---|---|---|---|---|---|---|---|---|
| BAJFINANCE | 1034.20 | 31.71 | 643888.19 | 0.58 | 6080.60 | 27.60 | 23165.45 | 20.37 | 10.87 | 70.70 |
| SHRIRAMFIN | 1028.00 | 21.37 | 241893.03 | 1.05 | 3452.77 | 59.90 | 13400.43 | 17.46 | 11.49 | 74.63 |
| CHOLAFIN | 1845.00 | 27.40 | 157575.18 | 0.11 | 1656.22 | 45.56 | 8856.29 | 21.89 | 9.70 | 70.07 |
| TATACAP | 362.80 | 28.50 | 154003.85 | 0.16 | 16281.80 | 1464.16 | 88219.30 | 1051.00 | 8.66 | 75.72 |
| JIOFIN | 230.00 | 73.49 | 151872.26 | 0.26 | 830.25 | 155.73 | 2004.47 | 227.28 | 2.11 | 69.71 |
| BAJAJHLDNG | 11120.70 | 13.97 | 123766.17 | 1.75 | 2708.08 | -92.27 | 394.33 | 23.34 | 14.81 | 684.72 |
| MUTHOOTFIN | 2794.40 | 9.86 | 112186.35 | 1.07 | 2824.84 | 43.08 | 8671.60 | 36.25 | 15.87 | 83.76 |
| ABCAPITAL | 398.60 | 26.59 | 109118.68 | 0.00 | 1223.85 | 43.85 | 12179.54 | 137.84 | 8.82 | 41.91 |
| LTF | 309.50 | 24.37 | 77571.61 | 0.89 | 915.99 | 30.70 | 5212.92 | 22.38 | 8.54 | 62.13 |
| SBICARD | 656.05 | 27.44 | 62432.55 | 0.38 | 664.44 | 19.51 | 5040.55 | 7.60 | 11.75 | 29.83 |
| HDBFS | 668.65 | 25.53 | 55549.10 | 0.60 | 785.20 | 38.31 | 4937.90 | 18.71 | 9.09 | 57.98 |
| CIFL | 20.26 | 20.60 | 792.28 | 0.00 | -9.63 | -70.77 | 127.74 | 22.22 | 7.77 | 18.70 |
Quarterly Results
Consolidated Figures in Rs. Crores / View Standalone
| Jun 2023 | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 | Jun 2026 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 162 | 165 | 159 | 163 | 124 | 108 | 101 | 88 | 105 | 95 | 110 | 90 | 128 | |
| 146 | 147 | 134 | 140 | 133 | 121 | 110 | 100 | 109 | 158 | 124 | 102 | 137 | |
| Operating Profit | 49 | 29 | 31 | 27 | 25 | 22 | 25 | 22 | 31 | 186 | 23 | 23 | 24 |
| OPM % | 30.53% | 17.74% | 19.63% | 16.82% | 20.48% | 20.30% | 24.33% | 24.75% | 29.60% | 195.39% | 20.71% | 25.35% | 18.70% |
| Other Income | 1 | 2 | 1 | 2 | 1 | 2 | 0 | 2 | 0 | 1 | 1 | 3 | 1 |
| Interest | 26 | 26 | 25 | 25 | 26 | 17 | 19 | 19 | 28 | 20 | 22 | 22 | 25 |
| Depreciation | 7 | 8 | 8 | 7 | 8 | 8 | 8 | 8 | 8 | 8 | 8 | 7 | 8 |
| 7 | -3 | -1 | -2 | -8 | -1 | -2 | -3 | -5 | 52 | -6 | -4 | -8 | |
| Tax % | 32.59% | -102.78% | -104.31% | -71.95% | 15.45% | -143.21% | -57.41% | -5.23% | -16.77% | 12.19% | 13.07% | 15.58% | -14.05% |
| Net Profit | 0 | 0 | 0 | 0 | -6 | 6 | -2 | -3 | -6 | 45 | -5 | -3 | -10 |
| 1 | 0 | 0 | 0 | -0 | 0 | 0 | -0 | -0 | 1 | -0 | 0 | -0 |
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 | Mar 2026 | TTM | |
|---|---|---|---|---|---|---|---|---|---|---|
| 26 | 60 | 179 | 318 | 530 | 652 | 683 | 546 | 528 | 424 | |
| 11 | 31 | 127 | 265 | 477 | 624 | 562 | 456 | 483 | 521 | |
| Operating Profit | 15 | 28 | 53 | 54 | 52 | 28 | 121 | 90 | 45 | -97 |
| OPM % | 58.47% | 47.32% | 29.31% | 16.85% | 9.91% | 4.26% | 17.70% | 16.54% | 8.44% | -23.00% |
| 0 | 0 | 0 | 0 | 2 | 5 | 16 | 4 | 111 | 112 | |
| Interest | 10 | 9 | 17 | 24 | 51 | 84 | 105 | 75 | 87 | 89 |
| Depreciation | 0 | 8 | 12 | 15 | 21 | 25 | 30 | 31 | 31 | 31 |
| Profit before Tax | 4 | 11 | 24 | 15 | -18 | -85 | 1 | -12 | 37 | 34 |
| Tax % | 37.11% | 41.85% | 43.06% | 58.76% | -17.80% | -1.92% | 597.68% | -9.26% | 13.64% | 18.14% |
| Net Profit | 3 | 7 | 14 | 6 | -21 | -87 | -6 | -13 | 32 | 28 |
| EPS | 0.00 | 0.00 | 0.00 | 1.22 | -0.35 | -5.32 | 1.50 | 0.04 | 0.99 | — |
| Dividend Payout % | 12.56% | 47.77% | 4.51% | 8.09% | -28.08% | -1.87% | 6.67% | 50.25% | 0.00% | — |
COMPOUNDED SALES GROWTH
- 10 Years:
- —
- 5 Years:
- 11%
- 3 Years:
- -7%
COMPOUNDED PROFIT GROWTH
- 10 Years:
- —
- 5 Years:
- 32%
- 3 Years:
- —
STOCK PRICE CAGR
- 10 Years:
- —
- 5 Years:
- —
- 3 Years:
- —
- 1 Year:
- -41%
RETURN ON EQUITY
- 10 Years:
- —
- 5 Years:
- -3%
- 3 Years:
- 1%
- Last Year:
- 5%
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 | Mar 2026 | |
|---|---|---|---|---|---|---|---|---|---|
| Equity Capital | 4 | 78 | 78 | 78 | 78 | 78 | 78 | 78 | 78 |
| Minority Interest | 0 | 0 | 5 | 34 | 73 | 51 | 37 | 25 | 17 |
| 3 | 429 | 442 | 484 | 537 | 496 | 508 | 514 | 556 | |
| 19 | 137 | 121 | 297 | 728 | 910 | 921 | 1,033 | 998 | |
| Trade Payables | 0 | 1 | 2 | 4 | 11 | 15 | 15 | 16 | 15 |
| 130 | 31 | 73 | 142 | 193 | 235 | 231 | 175 | 172 | |
| Total Liabilities | 156 | 676 | 721 | 1,038 | 1,619 | 1,784 | 1,791 | 1,842 | 1,836 |
| 8 | 31 | 47 | 56 | 78 | 81 | 94 | 90 | 84 | |
| Capital Work in Progress | 2 | 2 | 0 | 3 | 0 | 0 | 0 | 0 | 0 |
| 0 | 24 | 9 | 0 | 10 | 44 | 10 | 64 | 210 | |
| 0 | 0 | 0 | 3 | 1 | 1 | 1 | 1 | 1 | |
| 0 | 0 | 0 | 0 | 0 | 0 | 7 | 12 | 8 | |
| Cash & Bank | 32 | 35 | 69 | 228 | 351 | 315 | 302 | 245 | 299 |
| 114 | 584 | 596 | 747 | 1,180 | 1,343 | 1,376 | 1,431 | 1,234 | |
| Total Assets | 156 | 676 | 721 | 1,038 | 1,619 | 1,784 | 1,791 | 1,842 | 1,836 |
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 | Mar 2026 | |
|---|---|---|---|---|---|---|---|---|---|
| -2 | -447 | 43 | -57 | -304 | -18 | 121 | -187 | -364 | |
| Cash from Investing | -21 | -29 | 5 | -87 | -110 | -16 | 1 | -2 | 292 |
| Cash from Financing | -6 | 490 | -17 | 231 | 480 | 80 | -124 | 113 | 143 |
| -32 | 8 | 19 | 74 | 56 | 41 | -2 | -75 | 70 |
Ratios
Consolidated Figures in Rs. Crores / View Standalone
| Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|---|---|---|---|---|---|
Documents
Corporate disclosures, annual reports, credit ratings, and concall transcripts
2026-09-08 - Capital India Finance Limited has informed the Exchange about Resignation of Director/KMP/SMP
2026-09-07 - Capital India Finance Limited has informed the Exchange about resignation of Chief Compliance Officer & Company Secretary of the Company
2026-09-07 - Capital India Finance Limited has submitted with the Exchange proceedings of 31st Annual General Meeting of the Company
2026-09-07 - Capital India Finance Limited has informed the Exchange regarding Proceedings of Annual General Meeting held on September 07, 2026. Further, the company has submitted the Exchange a copy of Scrutinizers report along with voting results.
2026-08-31 - Capital India Finance Limited has submitted to the Exchange press/media release titled "Capital India Finance Approves Transfer of RemitX Forex Assets, Sharpens Focus on MSME Lending".
2026-08-31 - Capital India Finance Limited has submitted to the Exchange regarding Outcome of Board Meeting held on August 31, 2026 for the transfer of the assets in connection with the foreign exchange business operating under the brand name "RemitX".
2026-08-18 - Capital India Finance Limited has informed the Exchange regarding 'Letter dispatched to the Members of the Company - Weblink of Annual Report 2025-26'.
2026-08-15 - Capital India Finance Limited has informed the Exchange about Copy of Newspaper Publication informing dispatch of Notice and Annual Report for the 32nd Annual General Meeting
2026-08-15 - Capital India Finance Limited has informed the Exchange about Copy of Newspaper Publication
News
Recent coverage and analyst commentary for CIFL
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