Karnavati Finance logo

Karnavati Finance

KARNAVATIFINANCELTD NSE

Key Fundamentals

MicrocapNBFCFinancial Services
Market Cap
₹13.60 Cr
Volatility
Moderate
P/E Ratio
19.3
EBITDA
₹-1.87 Cr
Return on Equity
-16.43%
Debt to Equity
1.2
Book Value
₹0.43
EPS
₹0
52W High
₹2.04
52W Low
₹1.08

Tapetide Score

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

Key Insights

Weaknesses

4
  • Stock is trading at 3.13 times its book value
  • Company has low interest coverage ratio.
  • Company has a low return on equity of -29.8% over last 3 years.
  • Earnings include an other income of Rs.5.83 Cr.

Growth Rate

Revenue Growth
232% higher than 3Y
Net Income Growth
247% level than 3Y
Cash Flow Change
296% higher than 3Y
ROE
17.27% higher than 3Y
ROCE
—
EBITDA Margin (Avg.)
5.23%

Quarterly Results

Particulars Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026
Revenue
0.57
1.19
0.39
0.89
0.63
0.28
0.41
0.26
0.22
0.59
2.28
2.6
1.86
Expenses
0.61
0.08
1.78
0.58
0.12
0.9
0.2
0.88
0.34
0.44
0.05
6.74
0.07
Financing Profit
-0.36
0.67
-1.8
-0.09
0.17
-0.9
-0.06
-0.88
-0.37
-0.43
0.7
-5.65
0.42
Fin. Margin %
-63.16%
56.3%
-461.54%
-10.11%
26.98%
-321.43%
-14.63%
-338.46%
-168.18%
-72.88%
30.7%
-217.31%
22.58%
Other Income
0
0
0
0
0
0
0
0
0
0
0
0
5.83
Interest
0.32
0.44
0.41
0.4
0.34
0.28
0.27
0.26
0.25
0.58
1.53
1.51
1.37
Depreciation
0
0
0
0
0
0
0
0
0
0
0
0
0
PBT
-0.36
0.67
-1.8
-0.09
0.17
-0.9
-0.06
-0.88
-0.37
-0.43
0.7
-5.65
6.25
Tax %
0%
11.94%
-4.44%
100%
23.53%
-4.44%
0%
0%
0%
0%
0%
2.48%
0%
Net Profit
-0.36
0.59
-1.72
-0.18
0.12
-0.86
-0.06
-0.88
-0.37
-0.43
0.7
-5.79
6.25
EPS in Rs
-0.04
0.06
-0.17
-0.02
0.01
-0.09
-0.01
-0.09
-0.04
-0.04
0.07
-0.58
0.62
Figures in ₹ Crores

Profit & Loss

Particulars Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026TTM
Revenue
0.48
0.44
0.95
2.02
3.24
2.76
1.22
2.4
2.85
3.04
1.57
5.31
7.33
Expenses
0.81
0.17
0.24
0.56
0.66
2.35
0.95
2.04
1.76
3.02
2.08
7.18
7.3
Financing Profit
-0.33
0.27
0.7
0.78
1
0.15
0.22
0.33
0.75
-1.57
-1.68
-5.74
-4.96
Fin. Margin %
-68.75%
61.36%
73.68%
38.61%
30.86%
5.43%
18.03%
13.75%
26.32%
-51.64%
-107.01%
-108.1%
-67.67%
Other Income
0
0.18
0.28
0.07
0
0
0
0.08
0
0
0
0
5.83
Interest
0
0
0.01
0.68
1.58
0.26
0.05
0.03
0.34
1.59
1.17
3.87
4.99
Depreciation
0.02
0.02
0.02
0.02
0.01
0.01
0.01
0.01
0.01
0
0
0
0
PBT
-0.35
0.43
0.96
0.83
0.99
0.14
0.21
0.4
0.74
-1.57
-1.68
-5.74
0.87
Tax %
8.57%
16.28%
22.92%
25.3%
27.27%
21.43%
42.86%
25%
25.68%
5.73%
0%
2.61%
—
Net Profit
-0.38
0.37
0.75
0.62
0.72
0.11
0.12
0.3
0.56
-1.67
-1.68
-5.9
0.73
EPS in Rs
-0.05
0.04
0.09
0.06
0.07
0.01
0.01
0.03
0.06
-0.17
-0.17
-0.59
0.07
Div. Payout %
0%
0%
0%
0%
0%
0%
0%
0%
0%
0%
0%
0%
—
Figures in ₹ Crores

Balance Sheet

Particulars Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Equity Capital
8.36
8.36
8.36
10.05
10.05
10.05
10.05
10.05
10.05
10.05
10.05
10.05
Reserves
-1.05
-0.68
0.07
1.71
2.43
2.54
2.66
2.96
3.53
1.86
0.18
-5.72
Borrowing
0.27
0.02
0
14.52
16.03
11.3
5.44
1.21
12.72
15.55
11.09
59.9
Other Liabilities
0.29
0.31
0.42
0.67
0.81
0.53
0.77
0.25
1.05
1.27
0.29
1.03
Total Liabilities
7.87
8.01
8.85
26.95
29.32
24.42
18.92
14.47
27.35
28.73
21.61
65.26
Fixed Assets
0.11
0.1
0.08
0.06
0.05
0.04
0.03
0.02
0.01
0.01
0.01
0
CWIP
0
0
0
0
0
0
0
0
0
0
0
0
Investments
0
0
0
0
0
0
0
0
0
0
0
0
Other Assets
7.76
7.91
8.77
26.89
29.27
24.38
18.89
14.45
27.34
28.72
21.6
65.26
Total Assets
7.87
8.01
8.85
26.95
29.32
24.42
18.92
14.47
27.35
28.73
21.61
65.26
Figures in ₹ Crores

Cash Flow

Particulars Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Operating
-4.65
-0.07
0.35
-16.56
0.08
4.86
5.71
4.25
-9.44
-2.79
5.48
-44.84
Investing
0
0
0
0
0
0
0
0
0
0
0
0
Financing
4.82
-0.25
-0.03
16.55
-0.08
-5
-5.91
-4.25
11.03
1.25
-5.6
44.93
Net Cash Flow
0.17
-0.32
0.32
-0.01
0.01
-0.14
-0.2
0
1.58
-1.55
-0.12
0.09
Free Cash Flow
-4.65
-0.07
0.35
-16.56
0.08
4.86
5.71
4.25
-9.44
-2.79
5.48
-44.84
CFO/OP
1,403
-19
65
-1,121
12
1,207
2,133
1,181
-857
-13,100
-1,075
2,390
Figures in ₹ Crores

Ratios

Particulars Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
ROE %
-7.29%
4.94%
9.31%
6.14%
5.94%
0.88%
0.95%
2.33%
4.21%
-13.1%
-15.18%
-81.04%

Insights

Beta

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

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Shareholding Pattern

Promot.62.06%Others8.14%Public29.80%As ofJun 2026

Documents

Frequently Asked Questions about Karnavati Finance

What does Karnavati Finance Ltd do?
Incorporated in 1984, Karnavati Finance Ltd provides finance of personal loan, business loan, auto loan, education loan and mortgage loans[1]
Where is Karnavati Finance Ltd (538928) listed?
Karnavati Finance Ltd trades as KARNAVATIFINANCELTD on the NSE and under code 538928 on the BSE.
Which sector does Karnavati Finance Ltd belong to?
Karnavati Finance Ltd is classified under the Financial Services sector, in the NBFC industry.
What is the market capitalisation of Karnavati Finance Ltd?
Karnavati Finance Ltd has a market capitalisation of ₹13.6 Cr, which places it in the Small Cap band.
What is the PE ratio of Karnavati Finance Ltd?
Karnavati Finance Ltd trades at a PE ratio of 19.30, on earnings per share of ₹0, against a book value of ₹0.43 per share.
What is the 52-week high and low of Karnavati Finance Ltd?
Over the last 52 weeks Karnavati Finance Ltd has traded between ₹1.08 and ₹2.04.
What is the Return on Equity (ROE) of Karnavati Finance Ltd?
Karnavati Finance Ltd reported a return on equity of -16.43%. Its debt-to-equity ratio is 1.20.

Company Information

Incorporated in 1984, Karnavati Finance Ltd provides finance of personal loan, business loan, auto loan, education loan and mortgage loans[1]

Website karnavatifinancelimited.in
Listed 2015-02-05
Face Value ₹ 1

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