CSL Finance
CSLFINANCE NSE
CSL Finance
Financial ServicesNSE: CSLFINANCE BSE: 530067 NBFC
Key Fundamentals
MicrocapNBFCFinancial ServicesMarket Cap
₹508 Cr
Volatility
Moderate
P/E Ratio
5.79
EBITDA
₹198 Cr
Return on Equity
13.85%
Debt to Equity
1.33
Book Value
₹272.96
EPS
₹30.11
52W High
₹324.7
52W Low
₹209.7
Tapetide Score
Data-driven rating, 0–100. How it works →
Key Insights
Strengths
3- Stock is trading at 0.81 times its book value
- Company has delivered good profit growth of 25.8% CAGR over last 5 years
- Company's median sales growth is 20.0% of last 10 years
Weaknesses
1- Promoter holding has decreased over last 3 years: -3.30%
Growth Rate
Revenue Growth
18.98% lower than
3Y
Net Income Growth
19.42% lower than
3Y
Cash Flow Change
44.72% lower than
3Y
ROE
4.06% lower than
3Y
ROCE
0.22% lower than
3Y
EBITDA Margin (Avg.)
1.76% 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 | 35 | 38 | 45 | 47 | 51 | 54 | 53 | 57 | 59 | 64 | 64 | 69 | 70 |
| Expenses | 8 | 9 | 10 | 10 | 12 | 14 | 14 | 13 | 13 | 14 | 17 | 15 | 16 |
| Financing Profit | 18 | 20 | 24 | 23 | 25 | 25 | 23 | 25 | 28 | 29 | 26 | 31 | 30 |
| Fin. Margin % | 52% | 53% | 53% | 50% | 48% | 46% | 42% | 45% | 47% | 46% | 40% | 44% | 43% |
| Other Income | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Interest | 9 | 9 | 11 | 13 | 14 | 16 | 17 | 18 | 18 | 21 | 22 | 23 | 24 |
| Depreciation | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 1 | 1 | 1 | 1 |
| PBT | 18 | 20 | 24 | 23 | 25 | 25 | 23 | 25 | 28 | 29 | 25 | 30 | 30 |
| Tax % | 27% | 27% | 30% | 21% | 25% | 28% | 26% | 24% | 23% | 15% | 18% | 36% | 25% |
| Net Profit | 13 | 15 | 17 | 19 | 18 | 18 | 17 | 19 | 21 | 24 | 21 | 19 | 22 |
| EPS in Rs | 6.39 | 6.5 | 7.34 | 8.15 | 8.12 | 7.83 | 7.36 | 8.33 | 9.36 | 10.74 | 9.18 | 8.52 | 9.72 |
| Gross NPA % | 0.75% | 0.55% | 0.4% | 0.44% | 0.45% | 0.54% | 0.38% | 0.46% | 0.56% | 0.51% | 1% | 1.1% | 0.95% |
| Net NPA % | 0.43% | 0.32% | 0.23% | 0.25% | 0.26% | 0.32% | 0.23% | 0.34% | 0.42% | 0.39% | 0.75% | 0.81% | 0.6% |
Profit & Loss
| Particulars | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 93 | 44 | 40 | 41 | 58 | 61 | 62 | 75 | 117 | 166 | 216 | 256 | 267 |
| Expenses | 80 | 25 | 13 | 9 | 11 | 18 | 15 | 19 | 28 | 37 | 52 | 59 | 62 |
| Financing Profit | 12 | 18 | 24 | 26 | 35 | 32 | 40 | 45 | 62 | 86 | 98 | 114 | 115 |
| Fin. Margin % | 13% | 41% | 59% | 63% | 60% | 53% | 65% | 61% | 53% | 52% | 46% | 45% | 43% |
| Other Income | 1 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 1 | 0 | 0 | 1 |
| Interest | 1 | 1 | 3 | 6 | 12 | 11 | 7 | 11 | 27 | 43 | 65 | 84 | 89 |
| Depreciation | 0 | 0 | 0 | 0 | 1 | 1 | 1 | 1 | 1 | 1 | 2 | 2 | 2 |
| PBT | 12 | 18 | 24 | 26 | 34 | 32 | 39 | 45 | 62 | 86 | 97 | 112 | 114 |
| Tax % | 35% | 29% | 31% | 30% | 30% | 29% | 30% | 25% | 26% | 26% | 26% | 23% | — |
| Net Profit | 8 | 13 | 16 | 18 | 24 | 22 | 28 | 33 | 46 | 63 | 72 | 86 | 87 |
| EPS in Rs | 5.71 | 9.33 | 11.73 | 10.21 | 12.86 | 12.15 | 14.88 | 16.13 | 22.01 | 27.81 | 31.64 | 37.8 | 38.16 |
| Div. Payout % | 0% | 0% | 3% | 5% | 5% | 7% | 7% | 15% | 11% | 9% | 9% | 26% | — |
Balance Sheet
| Particulars | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Equity Capital | 5 | 5 | 5 | 6 | 6 | 6 | 6 | 20 | 20 | 22 | 22 | 22 |
| Reserves | 81 | 94 | 110 | 178 | 205 | 226 | 253 | 301 | 342 | 452 | 519 | 599 |
| Borrowing | 2 | 9 | 31 | 102 | 124 | 98 | 84 | 206 | 410 | 505 | 695 | 856 |
| Other Liabilities | 3 | 3 | 4 | 2 | 1 | 2 | 4 | 5 | 6 | 6 | 8 | 10 |
| Total Liabilities | 90 | 110 | 149 | 288 | 336 | 332 | 348 | 532 | 779 | 985 | 1,245 | 1,488 |
| Fixed Assets | 0 | 1 | 1 | 1 | 4 | 3 | 3 | 6 | 8 | 8 | 9 | 8 |
| CWIP | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Investments | 8 | 1 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Other Assets | 81 | 109 | 148 | 286 | 332 | 329 | 345 | 526 | 771 | 978 | 1,236 | 1,479 |
| Total Assets | 90 | 110 | 149 | 288 | 336 | 332 | 348 | 532 | 779 | 985 | 1,245 | 1,488 |
Cash Flow
| Particulars | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Operating | -3 | -19 | -13 | -109 | -15 | 33 | 22 | -158 | -166 | -128 | -102 | -57 |
| Investing | 7 | 12 | 4 | -1 | -1 | 0 | 0 | -4 | -2 | -1 | -9 | -1 |
| Financing | -3 | 6 | 18 | 102 | 23 | -27 | -17 | 157 | 196 | 143 | 121 | 70 |
| Net Cash Flow | 0 | -1 | 9 | -8 | 7 | 5 | 5 | -5 | 27 | 14 | 10 | 13 |
| Free Cash Flow | -3 | -19 | -14 | -109 | -17 | 33 | 22 | -162 | -169 | -129 | -104 | -58 |
| CFO/OP | -1 | -71 | -21 | -308 | -10 | 98 | 69 | -261 | -169 | -80 | -46 | -14 |
Ratios
| Particulars | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE % | 9% | 14% | 15% | 12% | 12% | 10% | 11% | 12% | 13% | 15% | 14% | 15% |
Insights
BetaAI-extracted from concalls & annual reports · figures as reported, with sources
Log in to view CSL Finance insights
57 extracted metrics + investor summaries across FY04–FY26.
Documents
1
Announcement under Regulation 30 (LODR)-Newspaper Publication
6 May - Copy of Newspaper Publication and Social Media Post Links 6 May - Copy of Newspaper Publication and Social Media Post Links
2
Announcement under Regulation 30 (LODR)-Change in Management
5 May - Mr. Sachin Shah, ZSM Gujarat & Rajasthan, resigned effective May 05, 2026. 5 May - Mr. Sachin Shah, ZSM Gujarat & Rajasthan, resigned effective May 05, 2026.
3
Announcement under Regulation 30 (LODR)-Allotment
28 Apr - Allotted 30,000 secured NCDs worth ₹30 crore at 11% on April 28, 2026, maturing April 20, 2028. 28 Apr - Allotted 30,000 secured NCDs worth ₹30 crore at 11% on April 28, 2026, maturing April 20, 2028.
4
Announcement under Regulation 30 (LODR)-Allotment
28 Apr - Allotted 30,000 secured NCDs worth ₹30 crore at 11% on April 28, 2026, maturing April 20, 2028. 28 Apr - Allotted 30,000 secured NCDs worth ₹30 crore at 11% on April 28, 2026, maturing April 20, 2028.
5
Compliances-Certificate under Reg. 74 (5) of SEBI (DP) Regulations, 2018
7 Apr - Compliance Certificate Under Regulation 74(5) of SEBI (DP) Regulations,2018 for the quarter ended March 31, 2026. 7 Apr - Compliance Certificate Under Regulation 74(5) of SEBI (DP) Regulations,2018 for the quarter ended March 31, 2026.
Frequently Asked Questions about CSL Finance
What does CSL Finance Ltd do?
Incorporated in 1992, CSL Finance Ltd provides finance facilities to SME business and Wholesale
business[1]
Where is CSL Finance Ltd (CSLFINANCE) listed?
CSL Finance Ltd trades as CSLFINANCE on the NSE and under code 530067 on the BSE.
Which sector does CSL Finance Ltd belong to?
CSL Finance Ltd is classified under the Financial Services sector, in the NBFC industry.
What is the market capitalisation of CSL Finance Ltd?
CSL Finance Ltd has a market capitalisation of ₹508.37 Cr, which places it in the Small Cap band.
What is the PE ratio of CSL Finance Ltd?
CSL Finance Ltd trades at a PE ratio of 5.79, on earnings per share of ₹30.11, against a book value of ₹272.96 per share.
What is the 52-week high and low of CSL Finance Ltd?
Over the last 52 weeks CSL Finance Ltd has traded between ₹209.7 and ₹324.7.
Does CSL Finance Ltd pay dividends?
CSL Finance Ltd has a dividend yield of 4.33%.
What is the Return on Equity (ROE) of CSL Finance Ltd?
CSL Finance Ltd reported a return on equity of 13.85%. Its debt-to-equity ratio is 1.33.
Company Information
Incorporated in 1992, CSL Finance Ltd provides finance facilities to SME business and Wholesale business[1]
Website cslfinance.in
CEO Mr. Rohit Gupta B.Com, FCA
Employees 437
Listed 2022-07-21
Face Value ₹ 10
Issued Size 2,27,82,621
For AI agents and developers
Reading this as an AI agent, LLM or automated pipeline? Every page on Tapetide is also published as clean Markdown — no navigation, no scripts, just the data. Fetch https://tapetide.com/stocks/CSLFINANCE.md for CSL Finance Ltd: company profile, latest price, key fundamentals, the Tapetide Score, growth rates, quarterly and annual financial statements, shareholding pattern, technical indicators, analyst ratings and exchange filings.
Append .md to any Tapetide URL for the
same treatment. A full index of what we publish is at /llms.txt and /llms-full.txt. For live,
structured queries instead of documents, use our MCP server.