CIFL · Capital India Finance Ltd · Consumer Financial Services
CIFL · Capital India Finance Ltd · Consumer Financial Services
As of 05 Nov close
52-week range
54.8% below 52-week high
52-week range: as of 05 Nov 2026 close.
Price chartDaily closes on the stock page.
Weighted combination of 8 measured readings. Not a probability, a rating or a forecast.
Full signal detail →Fundamentals as of 15 Sep 2026 · the company's own latest record is 52 days old
Revenue (latest Q)
₹124 Cr
Revenue YoY
PAT YoY
-14.7%
Operating margin
Revenue, last 8 quarters
P/E (TTM)
P/B
1.2
P/S (TTM)
1.5
Sector P/E
25.4
Dividend yield
0.0%
| Company | P/E | P/B | Net margin | ROE | D/E | Div. yield |
|---|---|---|---|---|---|---|
| CIFL (this stock) | 23 | 1.2 | +7.4% | +5.7% | 1.43 | 0.0% |
| Bajaj Finance | 30.8 | 5.7 | +23.8% | +17.8% | 3.22 | +0.5% |
| Shriram Finance | 18.4 | 3.6 | +22.8% | +17.2% | 3.8 | +1.1% |
| Jio Financial Services | 95.5 | 1.2 | +49.8% | Not available from data source | 11.81 | +0.2% |
Promoter
stable
FII
stable
MF
Not available from data source
Insider trades
No insider trades in the last 12 months.
Bulk/block deals
No bulk/block deals in the last 12 months.
News timeline
No related news.
Concalls & investor presentations
AI-generatedNo concall transcripts or investor presentations recorded yet.
AI Summary of Annual Report
AI-generatedCapital India Finance Limited (CIFL) entered FY26 with a strategic focus on scaling distribution and operational capabilities, particularly in secured credit for MSMEs, self-employed individuals, and small business owners. The company expanded its footprint, enhancing its ability to originate quality secured credit and strengthening its market presence. The report highlights a return to growth in AUM, reaching INR 1,227.37 Crores by the end of FY26, as stated by management. Management emphasized a structural shift in strengthening the business model, operational efficiency, and strategic focus. The report also outlines FY27 priorities, including accelerating secured MSME lending, digital transformation, improving profitability, and ensuring subsidiary profitability at scale.
- Strategic focus on scaling distribution and operational capabilities for secured credit in MSMEs and small businesses.
- Expansion of branch network to enhance market presence and originate quality secured credit.
- Return to growth in AUM, reaching INR 1,227.37 Crores by FY26 end, as stated by management.
- Structural shift in strengthening business model, operational efficiency, and strategic focus.
- FY27 priorities include accelerating secured MSME lending, digital transformation, improving profitability, and ensuring subsidiary profitability at scale.
Key takeaway: Capital India Finance Limited has strategically focused on scaling its secured credit operations for MSMEs and small businesses, expanding its distribution network and returning to AUM growth, while navigating risks related to economic cycles, competition, and regulatory changes.
The following annual report excerpts provide qualitative strategic context. Do not treat any specific financial figures in these excerpts as authoritative — they may be incorrectly labeled due to PDF table extraction limitations. For precise financial data, refer to the structured fundamentals data above.
Governance disclosures
AI-generatedNeeds attention
Default / Covenant Breach (2 items)
Items of these kinds are disclosed in the filings. This is a count of disclosed items. It is not a finding about the company and its cause has not been independently established.
Default / Covenant Breach
2 occurrencesRecent (last 12 months)
The Company has overdue amounts on loans and advances as of March 31, 2026, with specific cases listed in lakhs, though no amounts exceed ninety days.
Earlier (1-3 years ago)
As of March 31, 2025, the company has overdue loan principal and interest amounts, with specific cases listed in INR lakhs, though no amounts exceed ninety days (including NPAs). The company has taken reasonable steps for recovery.
Routine disclosures
Contingent Liability
1 occurrenceRecent (last 12 months)
The company has a contingent liability of Rs. 28.22 Lakhs related to a disputed GST demand notice, with an appeal filed on 20th February 2026. No provision has been recognized in the financial statements.
Related-Party Transaction
2 occurrencesRecent (last 12 months)
The company sold its entire stake of 99.82% in Capital India Home Loans Limited (CIHL) to Weaver Services Private Limited, and CIHL ceased to be a subsidiary effective 11th August 2025.
Earlier (1-3 years ago)
Capital India Finance Limited has transactions with related parties including Capital India Corp Private Ltd., Capitall India Private Limited, Credenc Web Technologies Private Limited, Trident Infrahomes Private Limited, Atulya Foundation, and various individuals such as Mr. Deepak Vaswan, Dr. Harsh Kumar Bhanwala, Mr. Keshav Porwal, Mr. Vineet Kumar Saxena, Mr. Pinank Jayant Shah, Mr. Vikas Srivastava, Mr. Rachit Malhotra, Mr. Sulabh Kaushal, Mr. Yogendra Pal Singh, and Mr. Vinod Somani, involving reimbursements, expenses, deposits, loans, interest income, and remuneration.