Capital India Finance Ltd.

•

capitalindia.comBSE: 530879NSE: CIFL

Market Cap₹ 792 Cr.

Current Price

High / Low₹ 40 / 20

Stock P/E20.6

Book Value₹ 16

Price to Book1.28

Dividend Yield0.00 %

ROCE7.8 %

ROE5.2 %

Face Value₹ 2

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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 GENERATED

Financial Services

Buy

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.

Confidence

84%

View full sector analysis →

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

Financial ServicesFinanceFinance - NBFC

Part ofNIFTY 50 NIFTY 500 NIFTY LARGEMIDCAP 250 NIFTY 100 NIFTY 200

S.No.	Name
1.	BAJFINANCE	1034.20	31.71	643888.19	0.58	6080.60	27.60	23165.45	20.37	10.87	70.70
2.	SHRIRAMFIN	1028.00	21.37	241893.03	1.05	3452.77	59.90	13400.43	17.46	11.49	74.63
3.	CHOLAFIN	1845.00	27.40	157575.18	0.11	1656.22	45.56	8856.29	21.89	9.70	70.07
4.	TATACAP	362.80	28.50	154003.85	0.16	16281.80	1464.16	88219.30	1051.00	8.66	75.72
5.	JIOFIN	230.00	73.49	151872.26	0.26	830.25	155.73	2004.47	227.28	2.11	69.71
6.	BAJAJHLDNG	11120.70	13.97	123766.17	1.75	2708.08	-92.27	394.33	23.34	14.81	684.72
7.	MUTHOOTFIN	2794.40	9.86	112186.35	1.07	2824.84	43.08	8671.60	36.25	15.87	83.76
8.	ABCAPITAL	398.60	26.59	109118.68	0.00	1223.85	43.85	12179.54	137.84	8.82	41.91
9.	LTF	309.50	24.37	77571.61	0.89	915.99	30.70	5212.92	22.38	8.54	62.13
10.	SBICARD	656.05	27.44	62432.55	0.38	664.44	19.51	5040.55	7.60	11.75	29.83
11.	HDBFS	668.65	25.53	55549.10	0.60	785.20	38.31	4937.90	18.71	9.09	57.98
12.	CIFL	20.26	20.60	792.28	0.00	-9.63	-70.77	127.74	22.22	7.77	18.70

Detailed Comparison with:

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

Shareholding Pattern

Numbers in percentages

	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026	Jun 2026
	73.04	73.04	73.02	72.95	72.87	72.84	72.59	72.59	72.59
	0.00	0.00	0.00	0.13	0.28	0.08	0.06	0.03	0.02
	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.03
Government	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
	26.96	26.96	26.98	26.92	26.85	27.08	27.35	27.38	27.36

Documents

Corporate disclosures, annual reports, credit ratings, and concall transcripts

2026-09-08

Resignation of Director/KMP/SMP

2026-09-08 - Capital India Finance Limited has informed the Exchange about Resignation of Director/KMP/SMP

2026-09-07

Change in Management

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

General Updates

2026-09-07 - Capital India Finance Limited has submitted with the Exchange proceedings of 31st Annual General Meeting of the Company

2026-09-07

Shareholders meeting

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

Press Release

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

Outcome of Board Meeting

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

Updates

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

Copy of Newspaper Publication

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

Copy of Newspaper Publication

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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Capital India Finance Ltd.

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Free 5nance Account

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

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

105

110

128

146

147

134

140

133

121

110

100

109

158

124

102

137

Operating Profit

186

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

Interest

Depreciation

-3

-1

-2

-8

-1

-2

-3

-5

-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

-6

-2

-3

-6

-5

-3

-10

-0

Mar 2018

Mar 2019

Mar 2020

Mar 2021

Mar 2022

Mar 2023

Mar 2024

Mar 2025

Mar 2026

TTM

179

318

530

652

683

546

528

424

127

265

477

624

562

456

483

521

Operating Profit

121

-97

OPM %

58.47%

47.32%

29.31%

16.85%

9.91%

4.26%

17.70%

16.54%

8.44%

-23.00%

111

112

Interest

105

Depreciation

Profit before Tax

-18

-85

-12

Tax %

37.11%

41.85%

43.06%

58.76%

-17.80%

-1.92%

597.68%

-9.26%

13.64%

18.14%

Net Profit

-21

-87

-6

-13

EPS

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%

—

Mar 2018

Mar 2019

Mar 2020

Mar 2021

Mar 2022

Mar 2023

Mar 2024

Mar 2025

Mar 2026

Equity Capital

Minority Interest

429

442

484

537

496

508

514

556

137

121

297

728

910

921

1,033

998

Trade Payables

130

142

193

235

231

175

172

Total Liabilities

156

676

721

1,038

1,619

1,784

1,791

1,842

1,836

Capital Work in Progress

210

Cash & Bank

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

Mar 2018

Mar 2019

Mar 2020

Mar 2021

Mar 2022

Mar 2023

Mar 2024

Mar 2025

Mar 2026

-2

-447

-57

-304

-18

121

-187

-364

Cash from Investing

-21

-29

-87

-110

-16

-2

292

Cash from Financing

-6

490

-17

231

480

-124

113

143

-32

-2

-75

Mar 2018

Mar 2019

Mar 2020

Mar 2021

Mar 2022

Mar 2023

Mar 2024

Mar 2025

Mar 2026

Jun 2024

Sep 2024

Dec 2024

Mar 2025

Jun 2025

Sep 2025

Dec 2025

Mar 2026

Jun 2026

73.04

73.02

72.95

72.87

72.84

72.59

0.00

0.13

0.28

0.08

0.06

0.03

0.02

0.00

0.03

Government

0.00

26.96

26.98

26.92

26.85

27.08

27.35

27.38

27.36

Capital India Finance Ltd.

AI Sector View

Peer comparison

Quarterly Results

Profit & Loss

Balance Sheet

Corporate actions

Cash Flows

Ratios

Shareholding Pattern

Documents

News

Sign in to Chat with AI

Capital India Finance Ltd.

AI Sector View

Peer comparison

Quarterly Results

Profit & Loss

Balance Sheet

Corporate actions

Cash Flows

Ratios

Shareholding Pattern

Documents

News

Sign in to Chat with AI