Capital India Finance
CIFL NSE
Capital India Finance
Financial ServicesNSE: CIFL BSE: 530879 NBFC
Key Fundamentals
MicrocapNBFCFinancial ServicesMarket Cap
₹794 Cr
Volatility
Moderate
P/E Ratio
20.2
EBITDA
₹45.50 Cr
Return on Equity
4.63%
Debt to Equity
1.5
Book Value
₹16.22
52W High
₹39.69
52W Low
₹19.56
Tapetide Score
Data-driven rating, 0–100. How it works →
Key Insights
Strengths
1- Stock is trading at 1.17 times its book value
Weaknesses
4- Company has low interest coverage ratio.
- The company has delivered a poor sales growth of 10.5% over past five years.
- Company has a low return on equity of -2.59% over last 3 years.
- Earnings include an other income of Rs.110 Cr.
Growth Rate
Revenue Growth
-3.16% higher than
3Y
Net Income Growth
-346% lower than
3Y
Cash Flow Change
-172% higher than
3Y
ROE
-333% lower than
3Y
ROCE
103% higher than
3Y
EBITDA Margin (Avg.)
-48.15% higher than
3Y
Quarterly Results
| Particulars | Jun 2023 | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 | Jun 2026 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 175 | 176 | 165 | 167 | 158 | 143 | 135 | 139 | 123 | 132 | 147 | 125 | 128 |
| Expenses | 146 | 147 | 134 | 140 | 133 | 121 | 110 | 109 | 101 | 159 | 124 | 102 | 104 |
| Financing Profit | 3.02 | 2.97 | 5.83 | 2.63 | -0.29 | 5.3 | 6.02 | 3.02 | 2 | -46.74 | 0.62 | 1.22 | -1.44 |
| Fin. Margin % | 1.73% | 1.69% | 3.53% | 1.57% | -0.18% | 3.71% | 4.46% | 2.17% | 1.63% | -35.47% | 0.42% | 0.97% | -1.13% |
| Other Income | 11.47 | 2.47 | 0.66 | 2.42 | 0.7 | 4.23 | 1.03 | 2 | 0.48 | 106 | 1.06 | 2.73 | 0.79 |
| Interest | 25.74 | 26.24 | 25.3 | 24.77 | 25.62 | 16.55 | 18.65 | 27.62 | 19.82 | 19.75 | 22.24 | 21.72 | 25.34 |
| Depreciation | 7.31 | 7.96 | 7.64 | 7.26 | 7.92 | 7.77 | 8.03 | 7.94 | 8.11 | 8.12 | 7.66 | 7.47 | 7.79 |
| PBT | 7.18 | -2.52 | -1.15 | -2.21 | -7.51 | 1.76 | -0.98 | -2.92 | -5.63 | 51.06 | -5.98 | -3.52 | -8.44 |
| Tax % | 32.45% | 102.78% | 105.22% | 71.95% | -15.45% | 65.91% | 94.9% | -11.99% | 0.18% | 12.5% | -13.04% | -15.62% | 14.1% |
| Net Profit | 4.85 | -5.11 | -2.37 | -3.8 | -6.35 | 0.6 | -1.91 | -2.56 | -5.64 | 44.69 | -5.19 | -2.98 | -9.63 |
| EPS in Rs | 0.27 | 0 | 0.01 | 0.02 | -0.04 | 0.08 | 0.02 | -0.02 | -0.07 | 1.15 | -0.07 | 0 | -0.08 |
Profit & Loss
| Particulars | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 26 | 60 | 179 | 318 | 532 | 655 | 680 | 543 | 524 | 532 |
| Expenses | 11 | 31 | 127 | 265 | 476 | 633 | 562 | 455 | 484 | 489 |
| Financing Profit | 5 | 19 | 36 | 29 | 5 | -62 | 13 | 13 | -47 | -46 |
| Fin. Margin % | 19% | 32% | 20% | 9% | 1% | -9% | 2% | 2% | -9% | -9% |
| Other Income | 0 | 0 | 0 | 0 | -2 | 1 | 18 | 9 | 115 | 110 |
| Interest | 10 | 9 | 17 | 24 | 51 | 84 | 105 | 75 | 87 | 89 |
| Depreciation | 0 | 8 | 12 | 15 | 21 | 25 | 30 | 31 | 31 | 31 |
| PBT | 4 | 11 | 24 | 15 | -18 | -85 | 1 | -9 | 36 | 33 |
| Tax % | 37% | 42% | 43% | 59% | 18% | 2% | 599% | 12% | 14% | — |
| Net Profit | 3 | 7 | 14 | 6 | -21 | -87 | -6 | -10 | 31 | 27 |
| EPS in Rs | 0.89 | 0.17 | 0.44 | 0.25 | -0.07 | -1.07 | 0.3 | -0.03 | 1.02 | 1 |
| Div. Payout % | 13% | 48% | 5% | 8% | -28% | -2% | 7% | -63% | 0% | — |
Balance Sheet
| Particulars | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|---|---|---|---|---|
| Equity Capital | 4 | 78 | 78 | 78 | 78 | 78 | 78 | 78 | 78 |
| Reserves | 128 | 430 | 444 | 485 | 543 | 528 | 545 | 550 | 595 |
| Borrowing | 7 | 132 | 121 | 327 | 764 | 924 | 899 | 996 | 961 |
| Other Liabilities | 16 | 30 | 70 | 154 | 242 | 265 | 279 | 228 | 211 |
| Total Liabilities | 154 | 670 | 713 | 1,044 | 1,626 | 1,795 | 1,801 | 1,853 | 1,846 |
| Fixed Assets | 8 | 31 | 47 | 56 | 78 | 81 | 94 | 90 | 84 |
| CWIP | 2 | 2 | 1 | 5 | 11 | 35 | 10 | 9 | 1 |
| Investments | 0 | 24 | 9 | 0 | 10 | 44 | 10 | 64 | 210 |
| Other Assets | 144 | 614 | 656 | 982 | 1,528 | 1,634 | 1,687 | 1,691 | 1,550 |
| Total Assets | 154 | 670 | 713 | 1,044 | 1,626 | 1,795 | 1,801 | 1,853 | 1,846 |
Cash Flow
| Particulars | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|---|---|---|---|---|
| Operating | -5 | -453 | 30 | -69 | -313 | -23 | 121 | -93 | -254 |
| Investing | -21 | -29 | 25 | -87 | -110 | -16 | 1 | -75 | 90 |
| Financing | -6 | 490 | -17 | 231 | 480 | 80 | -124 | 79 | 226 |
| Net Cash Flow | -32 | 8 | 38 | 74 | 56 | 41 | -2 | -89 | 62 |
| Free Cash Flow | -16 | -463 | 25 | -81 | -347 | -74 | 99 | -103 | -260 |
| CFO/OP | -15 | -1,584 | 81 | -106 | -540 | -80 | 102 | -106 | -589 |
Ratios
| Particulars | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|---|---|---|---|---|
| ROE % | 2% | 2% | 3% | 2% | 0% | -7% | 1% | 0% | -9% |
Insights
BetaAI-extracted from concalls & annual reports · figures as reported, with sources
Log in to view Capital India Finance insights
57 extracted metrics + investor summaries across FY10–FY26.
Documents
1
Format of the Initial Disclosure to be made by an entity identified as a Large Corporate : Annexure A
15 Apr - Capital India Finance says it is not a Large Corporate as of March 31, 2026. 15 Apr - Capital India Finance says it is not a Large Corporate as of March 31, 2026.
2
Compliances-Certificate under Reg. 74 (5) of SEBI (DP) Regulations, 2018
15 Apr - Certificate under Regulation 74(5) of SEBI (DP) Regulations, 2018 for the quarter ended March 31, 2026 15 Apr - Certificate under Regulation 74(5) of SEBI (DP) Regulations, 2018 for the quarter ended March 31, 2026
3
Announcement under Regulation 30 (LODR)-Cessation
15 Apr - CISO Gaurav Vyas resigned effective April 15, 2026. 15 Apr - CISO Gaurav Vyas resigned effective April 15, 2026.
4
Compliances-Half Yearly Communication - Debt Instruments
14 Apr - Half-year ISIN statement filed for ₹50 crore debt security maturing July 2028. 14 Apr - Half-year ISIN statement filed for ₹50 crore debt security maturing July 2028.
Frequently Asked Questions about Capital India Finance
What does Capital India Finance Ltd do?
Incorporated in 1994, Capital India Finance Ltd is in the business of lending, forex (including MTSS business) and fintech business[1]
Where is Capital India Finance Ltd (CIFL) listed?
Capital India Finance Ltd trades as CIFL on the NSE and under code 530879 on the BSE.
Which sector does Capital India Finance Ltd belong to?
Capital India Finance Ltd is classified under the Financial Services sector, in the NBFC industry.
What is the market capitalisation of Capital India Finance Ltd?
Capital India Finance Ltd has a market capitalisation of ₹793.84 Cr, which places it in the Small Cap band.
What is the PE ratio of Capital India Finance Ltd?
Capital India Finance Ltd trades at a PE ratio of 20.20, against a book value of ₹16.22 per share.
What is the 52-week high and low of Capital India Finance Ltd?
Over the last 52 weeks Capital India Finance Ltd has traded between ₹19.56 and ₹39.69.
Does Capital India Finance Ltd pay dividends?
Capital India Finance Ltd has a dividend yield of 0.10%.
What is the Return on Equity (ROE) of Capital India Finance Ltd?
Capital India Finance Ltd reported a return on equity of 4.63%. Its debt-to-equity ratio is 1.50.
Company Information
Incorporated in 1994, Capital India Finance Ltd is in the business of lending, forex (including MTSS business) and fintech business[1]
Website capitalindia.com
CEO Mr. Pinank Jayant Shah
Employees 613
Listed 2025-04-17
Face Value ₹ 2
Issued Size 38,97,08,800
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