TCI Finance Ltd.

•

tcifl.inBSE: 501242NSE: TCIFINANCE

Market Cap₹ 20 Cr.

Current Price

High / Low₹ 38 / 10

Stock P/E4.0

Book Value—

Price to Book—

Dividend Yield0.00 %

ROCE13.4 %

ROE10.3 %

Face Value₹ 10

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ABOUT

KEY POINTS

Revenue Breakup Mar 2018 • Non Banking financial Service: 90.3% • Knowledge Process Outsourcing: 9.7%

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

Asset quality is healthy - gross NPA of just 0.0%
Operating margins have improved to 97.7% from 81.9%
Company has consistently been profitable over the last 5 years
Company generates healthy free cash flow
Attractively priced for its growth - PEG of 0.1

CONS

A large part of profit comes from other income (34.6% of PBT)
Company has a low return on equity of 7.6% over last 3 years
Company's sales have been declining over the last five years
Company has delivered a poor profit growth of -2.7% over past five years
Though reporting repeated profits, the company pays out little dividend (0.0%)

* 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	8302.50	2457.29	20044.70	3172.82	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.	TCIFINANCE	15.47	4.03	19.91	0.00	-0.35	17.62	0.00	—	0.00	—

Detailed Comparison with:

Quarterly Results

Consolidated Figures in Rs. Crores / View Standalone

No quarterly results found

We don't have this information yet. Please check back later.

Profit & Loss

Consolidated Figures in Rs. Crores / View Standalone

	Mar 2011	Mar 2012	Mar 2013	Mar 2014	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019
	11	11	11	17	14	13	14	13	12
	9	3	2	4	2	3	3	2	2
Operating Profit	2	8	8	13	12	10	11	11	10
OPM %	15.51%	75.79%	80.30%	78.16%	85.03%	79.93%	80.88%	81.81%	80.98%
	13	3	1	2	1	0	2	0	2
Interest	10	11	8	8	5	8	9	9	6
Depreciation	0	0	0	0	0	0	0	0	0
Profit before Tax	4	0	1	7	8	2	4	2	6
Tax %	5.14%	76.54%	-6.12%	20.34%	16.97%	13.53%	15.47%	18.30%	17.35%
Net Profit	4	0	1	6	7	2	4	2	5
EPS	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Dividend Payout %	—	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%

COMPOUNDED SALES GROWTH

10 Years:: —
5 Years:: -6%
3 Years:: -1%

COMPOUNDED PROFIT GROWTH

10 Years:: —
5 Years:: -3%
3 Years:: 37%

STOCK PRICE CAGR

10 Years:: -4%
5 Years:: 20%
3 Years:: 71%
1 Year:: 17%

RETURN ON EQUITY

10 Years:: —
5 Years:: 9%
3 Years:: 8%
Last Year:: 10%

Balance Sheet

Consolidated Figures in Rs. Crores / View Standalone

	Mar 2011	Mar 2012	Mar 2013	Mar 2014	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019
Equity Capital	13	13	13	13	13	13	13	13	13
	12	12	13	18	25	27	31	32	37
	51	0	0	22	52	59	54	50	31
Trade Payables	1	0	0	0	0	0	0	1	0
	23	59	56	6	5	4	6	7	8
Total Liabilities	100	85	83	59	94	103	104	103	90
	4	4	4	1	1	1	1	1	1
	28	28	28	48	48	48	48	48	48
	0	0	0	0	0	0	0	0	0
Cash & Bank	1	0	0	1	5	0	0	0	0
	67	52	50	10	41	54	55	53	41
Total Assets	100	85	83	59	94	103	104	103	90

Cash Flows

Consolidated Figures in Rs. Crores / View Standalone

	Mar 2011	Mar 2012	Mar 2013	Mar 2014	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019
	-0	-2	-1	-4	4	1	1	6	-1
Cash from Investing	-3	9	1	-9	4	1	2	1	3
Cash from Financing	11	-14	-3	-29	28	7	-5	-4	-19
	1	-1	-0	1	4	-4	0	-0	-0

Ratios

Consolidated Figures in Rs. Crores / View Standalone

	Mar 2012	Mar 2013	Mar 2014	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019

Shareholding Pattern

Numbers in percentages

	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026	Jun 2026
	24.72	24.72	24.72	24.72	24.72	24.72	24.72	24.72	24.72
FIIs	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
DIIs	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Government	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Public	75.28	75.28	75.28	75.28	75.28	75.28	75.28	75.28	75.28

Documents

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

2026-09-03

Clarification - Financial Results

2026-09-03 - The Exchange has sought clarification from Tci Finance Limited for the quarter ended 30-Jun-2026 with respect to Regulation 33 of the SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015. On basis of above the Company is required to clarify the following: The response of the Company is awaited.

2026-08-29

Shareholders meeting

2026-08-29 - Tci Finance Limited has submitted the Exchange a copy Srutinizers report of Annual General Meeting held on August 27, 2026. Further, the company has informed the Exchange regarding voting results.

2026-08-27

Shareholders meeting

2026-08-27 - Outcome of 52nd AGM of the Company

2026-08-17

Copy of Newspaper Publication

2026-08-17 - Tci Finance Limited has informed the Exchange about Copy of Newspaper Publication

2026-08-14

Outcome of Board Meeting

2026-08-14 - Tci Finance Limited has submitted to the Exchange, the financial results for the period ended Jun 30, 2026.

2026-08-05

Copy of Newspaper Publication

2026-08-05 - Tci Finance Limited has informed the Exchange about Copy of Newspaper Publication

2026-08-05

Copy of Newspaper Publication

2026-08-05 - Tci Finance Limited has informed the Exchange about Copy of Newspaper Publication

2026-07-10

Certificate under SEBI (Depositories and Participants) Regulations, 2018

2026-07-10 - Tci Finance Limited has informed the Exchange about Certificate under SEBI (Depositories and Participants) Regulations, 2018

2026-07-01

Reply to Clarification- Financial results

2026-07-01 - The Exchange had sought clarification from Tci Finance Limited for the quarter ended 31-Mar-2026 with respect to Regulation 33 of the SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015. On basis of above the Company was required to clarify the following: The response of the Company is enclosed.

News

Recent coverage and analyst commentary for TCIFINANCE

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TCI 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

8302.50

2457.29

20044.70

3172.82

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

TCIFINANCE

15.47

4.03

19.91

0.00

-0.35

17.62

0.00

—

0.00

—

Mar 2011

Mar 2012

Mar 2013

Mar 2014

Mar 2015

Mar 2016

Mar 2017

Mar 2018

Mar 2019

Operating Profit

OPM %

15.51%

75.79%

80.30%

78.16%

85.03%

79.93%

80.88%

81.81%

80.98%

Interest

Depreciation

Profit before Tax

Tax %

5.14%

76.54%

-6.12%

20.34%

16.97%

13.53%

15.47%

18.30%

17.35%

Net Profit

EPS

0.00

Dividend Payout %

—

0.00%

Mar 2011

Mar 2012

Mar 2013

Mar 2014

Mar 2015

Mar 2016

Mar 2017

Mar 2018

Mar 2019

Equity Capital

Trade Payables

Total Liabilities

100

103

104

103

Cash & Bank

Total Assets

100

103

104

103

Mar 2011

Mar 2012

Mar 2013

Mar 2014

Mar 2015

Mar 2016

Mar 2017

Mar 2018

Mar 2019

-0

-2

-1

-4

-1

Cash from Investing

-3

-9

Cash from Financing

-14

-3

-29

-5

-4

-19

-1

-0

-4

-0

Mar 2012

Mar 2013

Mar 2014

Mar 2015

Mar 2016

Mar 2017

Mar 2018

Mar 2019

Jun 2024

Sep 2024

Dec 2024

Mar 2025

Jun 2025

Sep 2025

Dec 2025

Mar 2026

Jun 2026

24.72

FIIs

0.00

DIIs

0.00

Government

0.00

Public

75.28

TCI Finance Ltd.

AI Sector View

Peer comparison

Quarterly Results

Profit & Loss

Balance Sheet

Corporate actions

Cash Flows

Ratios

Shareholding Pattern

Documents

News

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TCI 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