CSLFINANCE · CSL Finance Ltd · Consumer Financial Services
CSLFINANCE · CSL Finance Ltd · Consumer Financial Services
As of 06 Nov close
52-week range
30.2% below 52-week high
52-week range: as of 06 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 53 days old
Revenue (latest Q)
₹70 Cr
Revenue YoY
PAT YoY
+3.9%
Operating margin
Revenue, last 8 quarters
P/E (TTM)
P/B
0.8
P/S (TTM)
1.9
Sector P/E
25.4
Dividend yield
+1.4%
| Company | P/E | P/B | Net margin | ROE | D/E | Div. yield |
|---|---|---|---|---|---|---|
| CSLFINANCE (this stock) | 5.8 | 0.8 | +32.6% | +14.0% | 1.38 | +1.4% |
| 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
rising 2q
FII
falling 3q
MF
Not available from data source
Insider trades
| Date | Insider | Type | Qty | Value |
|---|---|---|---|---|
| 16 Sept 2026 | Rohit Gupta HUF | BUY | 2,000 | ₹4.27 lakh |
| 16 Sept 2026 | Rohit Gupta HUF | BUY | 2,000 | ₹4.29 lakh |
| 16 Sept 2026 | Rohit Gupta HUF | BUY | 2,000 | ₹4.28 lakh |
| 11 Sept 2026 | Rohit Gupta HUF | BUY | 3,000 | ₹6.62 lakh |
| 11 Sept 2026 | Rohit Gupta HUF | BUY | 7,000 | ₹15.74 lakh |
| 09 Sept 2026 | Rohit Gupta HUF | BUY | 5,000 | ₹12 lakh |
| 01 Sept 2026 | Rohit Gupta HUF | BUY | 5,000 | ₹12 lakh |
| 28 Aug 2026 | Rohit Gupta HUF | BUY | 8,528 | ₹19.44 lakh |
| 28 Aug 2026 | Rohit Gupta HUF | BUY | 8,049 | ₹18.35 lakh |
| 27 Aug 2026 | Rohit Gupta HUF | BUY | 10,000 | ₹23 lakh |
| 26 Aug 2026 | Rohit Gupta HUF | BUY | 20,000 | ₹46 lakh |
| 26 Aug 2026 | Rohit Gupta HUF | BUY | 10,000 | ₹23 lakh |
| 25 Aug 2026 | Rohit Gupta HUF | BUY | 5,915 | ₹13.54 lakh |
| 24 Aug 2026 | Rohit Gupta HUF | BUY | 2,058 | ₹4.66 lakh |
| 24 Aug 2026 | Rohit Gupta HUF | BUY | 10,000 | ₹23 lakh |
| 21 Aug 2026 | CSL Capital Private Limited | BUY | 10,000 | ₹0 |
| 21 Aug 2026 | Rohit Gupta HUF | BUY | 10,000 | ₹0 |
| 20 Aug 2026 | Rohit Gupta HUF | BUY | 18,471 | ₹0 |
| 20 Aug 2026 | Rohit Gupta HUF | BUY | 944 | ₹0 |
| 19 Aug 2026 | Rohit Gupta HUF | BUY | 12,380 | ₹0 |
Bulk/block deals
No bulk/block deals in the last 12 months.
News timeline
No related news.
Concalls & investor presentations
AI-generatedKey takeaway: The investor presentation from CSL Finance Limited for the quarter ended June 30, 2026, highlighted a year-on-year growth in Assets Under Management (AUM) of 16%, reaching ₹1,505 crore, and a 5% increase in disbursements to ₹321 crore. The company reported a net interest income of ₹45.0 crore, up 12% year-on-year, and a profit after tax of ₹22.1 crore, reflecting a 4% increase. The asset quality showed a gross NPA of 0.95%, down 15 basis points quarter-on-quarter. The company maintained a collection efficiency of 98%. Management noted that the wholesale segment remains robust, while SME retail lending faced challenges. The credit rating was reaffirmed at A- | Stable, enhancing access to capital. The presentation emphasized a focus on operational efficiency and technology-driven processes to support growth.
The presentation provided a balanced overview of performance metrics and operational updates without strong emphasis on either growth or challenges.
Sourced from an exchange-filed presentation, dated 12 Aug 2026. Summary is RedixFi-generated and distinct from investment advice.
Key takeaway: CSL Finance Limited held its Q4 FY26 Earnings Conference Call on May 29, 2026, where management provided an overview of the company's performance. Management reported a 21% year-on-year increase in Assets Under Management (AUM), reaching Rs. 1,448 crore, with a loan book also growing by 21% to Rs. 1,395 crore. The wholesale segment showed strong growth, while the SME retail segment faced challenges due to industry consolidation and increased competition. Management noted a cautious optimism for the SME retail segment moving forward. The company recorded a net interest income of Rs. 45.4 crore for Q4 FY26, up 21% year-on-year, and a profit after tax of Rs. 19.4 crore, reflecting a 2% increase year-on-year. Management highlighted a focus on improving asset quality and maintaining a healthy liquidity position. The call concluded with management expressing a commitment to disciplined growth across both business verticals.
Management highlighted both growth in the wholesale segment and challenges in the SME retail segment.
Sourced from an exchange-filed transcript, dated 02 Jun 2026. Summary is RedixFi-generated and distinct from investment advice.
Key takeaway: CSL Finance Limited's investor presentation for the quarter and year ended March 31, 2026, highlighted a 21% year-over-year increase in both the loan book and assets under management (AUM), reaching ₹1,395 crore and ₹1,448 crore, respectively. The net interest income rose by 15% to ₹168 crore, while net profits increased by 19% to ₹86 crore. The company maintained a 100% secured loan book and reported a gross non-performing asset (GNPA) ratio of 1.10%. The presentation noted a cautious approach towards SME retail lending due to a challenging operating environment, while the wholesale segment showed robust growth. The company onboarded new lending partners, including a major PSU bank, and reaffirmed its credit rating at A- | Stable. Management emphasized a focus on risk management and operational efficiency, with plans to enhance technology-driven processes.
The presentation conveyed both positive growth metrics and caution regarding the SME retail segment.
Sourced from an exchange-filed presentation, dated 26 May 2026. Summary is RedixFi-generated and distinct from investment advice.
Key takeaway: CSL Finance Limited's investor presentation for the quarter ended December 31, 2025, highlighted a year-on-year growth in Assets Under Management (AUM) of 27%, reaching ₹1,460 crore, and a loan book increase of 26% to ₹1,385 crore. Disbursements rose by 27% YoY to ₹357 crore, while collection efficiency remained stable at 98%. The presentation reported a net interest income of ₹41.4 crore, an 18% increase YoY, and a profit after tax of ₹20.9 crore, up 25% YoY. However, the gross non-performing assets (NPA) increased to 1.00% from 0.38% YoY. Management noted a slowdown in SME Retail disbursements but maintained a cautiously optimistic view on the overall industry environment. The company reaffirmed its credit rating at A- | Stable, indicating a strong capital position and a focus on risk management.
The presentation conveyed both growth achievements and challenges in the SME Retail segment.
Sourced from an exchange-filed presentation, dated 13 Feb 2026. Summary is RedixFi-generated and distinct from investment advice.
AI Summary of Annual Report
AI-generatedCSL Finance Limited reported a year of financial progress in FY2025-26, maintaining a conservative balance sheet with strong asset quality, leverage, and capital adequacy. The company emphasized its diversification strategy across SME Retail and Wholesale lending, with the latter serving as the primary growth driver. The report highlighted disciplined project selection, internal productivity improvements, and a focus on customer-centric lending practices. The company also reaffirmed its credit rating and outlined strategic priorities including prudent risk management, technology-driven innovation, and strengthening its branch network and lender base.
- Diversification across SME Retail and Wholesale lending to maintain growth and stability.
- Conservative balance sheet management with emphasis on asset quality, leverage, and capital adequacy.
- Strategic focus on customer-centric lending practices and technology-driven innovation.
- Strengthening branch network and expanding lender base to support growth.
- Commitment to prudent risk management and compliance with regulatory standards.
Key takeaway: CSL Finance Limited's strategic focus on diversification, conservative financial management, and customer-centric lending practices underpin its resilience and growth prospects amid economic uncertainties.
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 (1 item)
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
1 occurrenceRecent (last 12 months)
The company has overdue principal and interest amounts on SME loans beyond 90 days, with specific figures provided in lakhs.
Routine disclosures
Contingent Liability
1 occurrenceRecent (last 12 months)
CSL Finance Limited has contingent liabilities from suits filed and legal notices against it in the ordinary course of business amounting to ₹41.79 lakh as of March 31, 2026.
Related-Party Transaction
2 occurrencesRecent (last 12 months)
The company approved material related party transactions with CSL Capital Private Limited for FY 2025-26 via an Ordinary Resolution at the 33rd AGM on September 20, 2025, as per SEBI Listing Regulations.
Earlier (1-3 years ago)
CSL Finance Limited has a related-party transaction with CSL Capital Private Limited, which holds 29.19% equity stake in CSL Finance. CSL Capital provides corporate guarantees and short-term loans on an arm's length basis.