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Real Touch Finance

REALTOUCHFINANCELTD NSE

Key Fundamentals

MicrocapOther Financial ServicesFinancial Services
Market Cap
₹52.50 Cr
Volatility
Moderate
P/E Ratio
10.5
EBITDA
₹27.80 Cr
Return on Equity
9.93%
Debt to Equity
4.91
Book Value
₹41.18
EPS
₹2.18
52W High
₹64.8
52W Low
₹39.43

Tapetide Score

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

Key Insights

Strengths

2
  • Stock is trading at 1.01 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.

Growth Rate

Revenue Growth
39.79% lower than 3Y
Net Income Growth
13.04% lower than 3Y
Cash Flow Change
228% higher than 3Y
ROE
1.33% lower than 3Y
ROCE
-4.05% lower than 3Y
EBITDA Margin (Avg.)
-1.42% higher than 3Y

Quarterly Results

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 in Rs
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
Figures in ₹ Crores

Profit & Loss

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 in Rs
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%
—
Figures in ₹ Crores

Balance Sheet

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
Figures in ₹ Crores

Cash Flow

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
Figures in ₹ Crores

Ratios

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
17,171
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

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56 extracted metrics + investor summaries across FY03–FY26.

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Shareholding Pattern

DIIs0.03%Promot.54.12%Public10.97%Others34.87%As ofJun 2026

Documents

1
Concall - Mar 2024 Mar 2024
2
Concall - Nov 2023 Nov 2023
3
Concall - Aug 2023 Aug 2023
4
Concall - Jun 2023 Jun 2023
5
Concall - Feb 2023 Feb 2023

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.[1]
Where is Real Touch Finance Ltd. (538611) listed?
Real Touch Finance Ltd. trades as REALTOUCHFINANCELTD on the NSE and 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 market capitalisation of Real Touch Finance Ltd.?
Real Touch Finance Ltd. has a market capitalisation of ₹52.5 Cr, which places it in the Small Cap band.
What is the PE ratio of Real Touch Finance Ltd.?
Real Touch Finance Ltd. trades at a PE ratio of 10.50, on earnings per share of ₹2.18, 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 ₹39.43 and ₹64.8.
What is the Return on Equity (ROE) of Real Touch Finance Ltd.?
Real Touch Finance Ltd. reported a return on equity of 9.93%. 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.[1]

Website realtouchfinance.com
Face Value ₹ 10

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