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Real Touch Finance

538611 BSE
₹26.41

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P/E
6.70
View as Markdown
MCP
Close 4 Nov 2026 ₹26.41 −25.09 −48.7% 1Y
Start ₹51.50

Key Fundamentals

MicrocapFinanceFinancial Services

Price-based figures at the close · EPS basis: Standalone · TTM

ROCE
10.60%
Debt to Equity
4.91
EPS (TTM)
₹3.94
Book Value
₹41.18
Market Cap
—
P/E (TTM)
6.70
P/B
0.64
ROE
10.40%
Dividend Yield
0.00%
EBITDA
₹27.80 Cr
52W High
₹64.80
52W Low
₹26.41

Tapetide Score

Data-driven rating, 0–100, as of . How it works →

Overall score

55 Good

Data confidence 100/100

Category scores

Quality
78
Strong
Returns, margins, earnings quality 22% weight
Valuation
77
Strong
Cheap vs sector & own history 24% weight
Growth
59
Good
Sales & profit trajectory 9% weight
Financial Health
18
Poor
Solvency, leverage, coverage 9% weight
Momentum
5
Poor
Trend strength, vol-adjusted 12% weight
Ownership
50
Average
FII/DII/promoter flows 24% weight

The Tapetide Score is data analysis, not investment advice. Tapetide is not a SEBI-registered research analyst or investment adviser.

Key Insights

Strengths

2
  • Stock is trading at 0.86 times its book value
  • Company has delivered good profit growth of 29.2% CAGR over last 5 years

Weaknesses

3
  • Though the company is reporting repeated profits, it is not paying out dividend
  • Company has low interest coverage ratio.
  • Company has a low return on equity of 9.23% over last 3 years.

Technical Indicators

Technical signals: verdict and indicator counts
GroupSignalBearishNeutralBullish
OverallStrong Bearish1216
OscillatorsStrong Bullish216
Moving AveragesStrong Bearish1000

Key readings

RSI (14)
23.68
Bullish
MACD (12,26,9)
−3.57
Bearish
SMA (50)
41.35
Bearish
SMA (200)
47.78
Bearish

As of

Growth Rate

From the financial statements below. 10Y, 5Y, 3Y: compound annual growth to Mar 2026; 1Y: fiscal year to Mar 2026 against Mar 2025; TTM: four quarters to Jun 2026 against Jun 2025.

Revenue

Revenue growth by window
10Y+49.38%
5Y+77.85%
3Y+57.24%
1Y+39.95%
TTM+22.75%

Net profit

Net profit growth by window
10Y+29.54%
5Y+29.23%
3Y+25.59%
1Y+12.58%
TTM+2.04%

Operating cash flow

Operating cash flow growth by window
10YTurned positive
5YTurned positive
3YTurned positive
1YTurned positive
TTM—

TTM: Reported once a year, so there is no trailing-twelve-month figure.

Operating margin· change in pp

Operating margin growth by window
10Y−18.67 pp
5Y−16.46 pp
3Y−10.31 pp
1Y−1.13 pp
TTM−0.30 pp

Revenue by year

Revenue by year, ₹ crore
Mar 2017₹0.83 Cr
Mar 2018₹0.45 Cr
Mar 2019₹1.82 Cr
Mar 2020₹1.88 Cr
Mar 2021₹2.27 Cr
Mar 2022₹2.36 Cr
Mar 2023₹10.39 Cr
Mar 2024₹18.74 Cr
Mar 2025₹28.86 Cr
Mar 2026₹40.39 Cr

Net profit by year

Net profit by year, ₹ crore
Mar 2017₹0.43 Cr
Mar 2018−₹0.04 Cr
Mar 2019₹1.11 Cr
Mar 2020₹1.14 Cr
Mar 2021₹1.44 Cr
Mar 2022₹1.45 Cr
Mar 2023₹2.62 Cr
Mar 2024₹2.63 Cr
Mar 2025₹4.61 Cr
Mar 2026₹5.19 Cr

Quarterly Results

₹ Cr
538611 quarterly results, ₹ crore
Particulars Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026
Sales
4.66
5.12
5.2
3.8
6.42
6.82
7.59
7.83
8.18
8.67
8.72
11.32
8.63
Expenses
1.2
2.43
1.62
0.09
1.62
1.81
1.73
3.54
2.32
4.4
2.12
3.78
1.35
Operating Profit
3.46
2.69
3.58
3.71
4.8
5.01
5.86
4.29
5.86
4.27
6.6
7.54
7.28
OPM %
74.25%
52.54%
68.85%
97.63%
74.77%
73.46%
77.21%
54.79%
71.64%
49.25%
75.69%
66.61%
84.36%
Other Income
0
0
0.05
0.06
0.01
0.03
0.07
0.1
0.06
2.49
0.07
0.95
0.01
Interest
2.09
1.76
2.19
3.32
3.35
3.41
3.71
3.73
4.07
4
5.46
6.39
5.85
Depreciation
0.06
0.05
0.07
0.08
0.06
0.07
0.07
0.09
0.05
0.06
0.07
0.07
0.04
PBT
1.31
0.88
1.37
0.37
1.4
1.56
2.15
0.57
1.8
2.7
1.14
2.03
1.4
Tax %
30.53%
61.36%
37.96%
−43.24%
25%
25%
20%
−19.3%
25%
25.19%
25.44%
52.22%
17.14%
Net Profit
0.91
0.34
0.86
0.53
1.04
1.17
1.72
0.68
1.34
2.02
0.86
0.97
1.16
EPS (₹)
0.72
0.27
0.68
0.42
0.82
0.92
1.36
0.54
1.06
1.59
0.68
0.76
0.91

Profit & Loss

₹ Cr
538611 profit and loss, annual, ₹ crore
Particulars Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026TTM
Sales
0.91
0.73
0.83
0.45
1.82
1.88
2.27
2.36
10.39
18.74
28.86
40.39
37.34
Expenses
0.23
0.09
0.17
0.26
0.29
0.3
0.33
0.46
2.15
5.26
8.62
12.52
11.65
Operating Profit
0.68
0.64
0.66
0.19
1.53
1.58
1.94
1.9
8.24
13.48
20.24
27.87
25.69
OPM %
74.73%
87.67%
79.52%
42.22%
84.07%
84.04%
85.46%
80.51%
79.31%
71.93%
70.13%
69%
68.8%
Other Income
0
0
0
0
0
0
0
0.05
0
0.15
0.01
0.06
3.52
Interest
0.01
0
0
0
0
0
0
0
4.45
9.44
14.29
20
21.7
Depreciation
0
0
0
0
0
0
0
0
0.06
0.26
0.29
0.25
0.24
PBT
0.67
0.64
0.66
0.19
1.53
1.58
1.94
1.95
3.73
3.93
5.67
7.68
7.27
Tax %
26.87%
39.06%
34.85%
121.05%
26.8%
27.85%
25.77%
25.64%
29.76%
32.82%
18.69%
32.29%
—
Net Profit
0.49
0.39
0.43
−0.04
1.11
1.14
1.44
1.45
2.62
2.63
4.61
5.19
5.01
EPS (₹)
0.39
0.31
0.34
−0.03
0.87
0.9
1.13
1.14
2.06
2.07
3.63
4.09
3.94
Div. Payout %
0%
0%
0%
0%
0%
0%
0%
0%
0%
0%
0%
0%
—

Balance Sheet

₹ Cr
538611 balance sheet, annual, ₹ crore
Particulars Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Equity Capital
12.69
12.69
12.69
12.69
12.69
12.69
12.69
12.69
12.69
12.69
12.69
12.69
Reserves
17.97
18.36
18.79
18.64
19.68
20.8
22.25
23.77
26.5
29.14
34.36
39.58
Borrowings
0
0
0
0
0
0
0
0
89.02
139
165
257
Other Liabilities
0.25
0.44
0.8
0.53
0.21
0.23
0.68
0.41
2.46
11.22
18.97
12.74
Total Liabilities
30.91
31.49
32.28
31.86
32.58
33.72
35.62
36.87
131
193
231
322
Fixed Assets
0
0
0
0
0
0
0
0.03
0.6
0.65
0.61
0.53
CWIP
0
0
0
0
0
0
0
0
0
0
0
0
Investments
1.06
0.72
1.44
0.11
0.07
1.35
1.35
1.39
1.43
0.01
0.01
125
Other Assets
29.85
30.77
30.84
31.75
32.51
32.37
34.27
35.45
129
192
230
196
Total Assets
30.91
31.49
32.28
31.86
32.58
33.72
35.62
36.87
131
193
231
322

Cash Flow

₹ Cr
538611 cash flow, annual, ₹ crore
Particulars Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Operating
0.47
−0.74
0.76
−1.29
−0.76
−3.08
−4.89
0.42
−87.24
−49.72
−26.07
33.42
Investing
−0.09
0.34
−0.72
1.33
2.05
1.7
4.94
−0.03
−1.62
1.15
−0.01
−127
Financing
0
0
0
0
0
0
0
0
89.01
50.43
25.06
91.99
Net Cash Flow
0.38
−0.4
0.03
0.04
1.28
−1.38
0.05
0.39
0.15
1.86
−1.01
−1.3
Free Cash Flow
0.47
−0.74
0.76
−1.29
−0.76
−3.08
−4.89
0.42
−87.87
−50.03
−26.32
33.25
CFO/OP
75
−112
180
−679
−34
−168
−244
71
−1,042
−362
−123
128

Ratios

538611 financial ratios, annual
Particulars Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Debtor Days
0
0
0
0
0
0
0
0
0.35
0.78
0
0
Cash Conversion Cycle
0
0
0
0
0
0
0
0
0.35
0.78
0
0
Working Capital Days
7,709
10,180
8,808
Not meaningful for this period: the ratio divides by a base close to zero, so it is left blank rather than shown as a very large number.
1,570
934
−93.26
12.37
−67.45
−217
−239
−115
ROCE %
2.24%
2.07%
2.11%
0.6%
4.8%
4.8%
5.67%
5.46%
9.94%
8.64%
10.16%
10.64%

Insights

Beta

AI-extracted from concalls & annual reports · figures as reported, with sources

Log in to view Real Touch Finance insights

58 extracted metrics across FY11–FY27.

Shareholding Pattern

As of Sep 2026

  • Promoters 54.12%
  • Others 31.68%
  • Public 14.17%
  • DIIs 0.03%

No promoter shares pledged as of 14 Oct 2026

Change vs previous quarter

Documents

Frequently Asked Questions about Real Touch Finance

What does Real Touch Finance Ltd. do?
Incorporated in 1984, Real Touch Finance Ltd is in the business of offering various types of loans.
Where is Real Touch Finance Ltd. (RTFL) listed?
Real Touch Finance Ltd. trades under code 538611 on the BSE.
Which sector does Real Touch Finance Ltd. belong to?
Real Touch Finance Ltd. is classified under the Financial Services sector, in the Other Financial Services industry.
What is the PE ratio of Real Touch Finance Ltd.?
Real Touch Finance Ltd. trades at a PE ratio of 6.70 as of 4 Nov 2026, on earnings per share of ₹3.94, against a book value of ₹41.18 per share.
What is the 52-week high and low of Real Touch Finance Ltd.?
Over the last 52 weeks Real Touch Finance Ltd. has traded between ₹26.41 and ₹64.8 as of 4 Nov 2026.
What is the Return on Equity (ROE) of Real Touch Finance Ltd.?
Real Touch Finance Ltd. reported a return on equity of 10.40%. Its debt-to-equity ratio is 4.91.

Company Information

Incorporated in 1984, Real Touch Finance Ltd is in the business of offering various types of loans.

Website realtouchfinance.com
Face Value ₹10

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