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TCI Finance

TCIFINANCE NSE
₹13.57 +0.02 (+0.15%)
P/E
Not meaningful: loss-making over the last twelve months
View as Markdown
MCP
Close 4 Nov 2026 ₹13.57 +1.56 +13.0% 1Y
Start ₹12.01

Key Fundamentals

MicrocapFinanceFinancial Services

Price-based figures as of · EPS basis: Standalone · TTM

Debt to Equity
Not meaningful: shareholders’ equity is negative
EPS (TTM)
−₹1.33
Book Value
−₹61.45
Market Cap
—
P/E (TTM)
Not meaningful: loss-making over the last twelve months
P/B
Not meaningful: book value is negative
ROE
Not meaningful: shareholders’ equity is negative
Dividend Yield
0.00%
52W High
₹38.46
52W Low
₹10.00
Day Range
₹13.21 – ₹14.34
Volume
43,556
ROCE
Not meaningful for a lender: the ratio describes an industrial company’s balance sheet
EBITDA
Not meaningful for a lender: the ratio describes an industrial company’s balance sheet

Peer Comparison

Financial Services › NBFC › Non Banking Financial Company (NBFC)

TCI Finance peer comparison
Bajaj Finance
₹994.0028.53₹6,11,015 Cr5.020.62%18.20%—₹90,331 Cr₹22,067 Cr
Shriram Finance
₹908.7515.19₹2,13,704 Cr1.920.73%16.40%—₹51,877 Cr₹12,688 Cr
Cholamandalam Investment
₹1,658.0024.45₹1,42,243 Cr4.100.12%19.40%—₹32,663 Cr₹5,751 Cr
Tata Capital
₹337.7526.24₹1,41,036 Cr2.930.17%12.40%—₹32,695 Cr₹5,478 Cr
Muthoot Finance
₹2,709.809.57₹1,04,354 Cr2.481.19%30.90%—₹33,431 Cr₹11,457 Cr
L&T Finance
₹263.7020.75₹63,912 Cr2.261.09%11.20%—₹18,898 Cr₹3,198 Cr
SBI Cards
₹553.0023.14₹52,160 Cr3.060.47%14.70%—₹20,063 Cr₹2,275 Cr
TCI Finance (this company)
₹13.57—₹17 Cr—0.00%——₹0 Cr−₹2 Cr
Median 8 companies₹730.8823.14₹1,22,695 Cr2.930.54%16.40%—₹32,679 Cr₹5,615 Cr

Comparable companies in the same industry. Market cap, P/E and P/B use the latest price; other metrics are as reported in filings. A dash means the figure is not published for that company.

Tapetide Score

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

Overall score

34 Poor

Data confidence 73/100

surveillance:GSM

Category scores

Valuation
37
Poor
Cheap vs sector & own history 31% weight
Growth
7
Poor
Sales & profit trajectory 12% weight
Financial Health
22
Poor
Solvency, leverage, coverage 12% weight
Momentum
40
Weak
Trend strength, vol-adjusted 15% weight
Ownership
50
Average
FII/DII/promoter flows 31% weight
Capped: a governance trigger overrides the fundamentals here (surveillance:GSM ≤ 40).

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

Key Insights

No strengths listed

Weaknesses

4
  • Company has low interest coverage ratio.
  • Promoter holding is low: 24.7%
  • Contingent liabilities of Rs.178 Cr.
  • Company's cost of borrowing seems high

Technical Indicators

Technical signals: verdict and indicator counts
GroupSignalBearishNeutralBullish
OverallStrong Bearish1243
OscillatorsBullish243
Moving AveragesStrong Bearish1000

Key readings

RSI (14)
37.07
Neutral
MACD (12,26,9)
−0.31
Bearish
SMA (50)
14.65
Bearish
SMA (200)
15.87
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−100.00%
5Y−100.00%
3YZero base
1Y−100.00%
TTMZero base

Net profit

Net profit growth by window
10YTurned to loss
5YLoss narrowed by ₹5.99 Cr
3YLoss narrowed by ₹0.73 Cr
1YTurned to loss
TTMTurned to loss

Operating cash flow

Not meaningful

A bank's or NBFC's operating cash flow moves with deposits and loans, so its growth says little about the business.

Revenue by year

Revenue by year, ₹ crore
Mar 2017₹12.36 Cr
Mar 2018₹11.75 Cr
Mar 2019₹10.29 Cr
Mar 2020₹4.23 Cr
Mar 2021₹4.25 Cr
Mar 2022₹4.53 Cr
Mar 2023₹0.00 Cr
Mar 2024₹0.66 Cr
Mar 2025₹0.07 Cr
Mar 2026₹0.00 Cr

Net profit by year

Net profit by year, ₹ crore
Mar 2017₹3.60 Cr
Mar 2018₹1.69 Cr
Mar 2019₹2.47 Cr
Mar 2020−₹52.32 Cr
Mar 2021−₹7.77 Cr
Mar 2022−₹32.97 Cr
Mar 2023−₹2.51 Cr
Mar 2024−₹0.48 Cr
Mar 2025₹3.58 Cr
Mar 2026−₹1.78 Cr

Quarterly Results

₹ Cr
TCIFINANCE quarterly results, ₹ crore
Particulars Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026
Revenue
0.23
0.42
0
0
0
0
0
0
0
0
0
0
0
Expenses
0.32
0.26
0.31
0.38
0.46
0.41
0.28
2.13
0.42
0.38
0.28
0.25
0.35
Financing Profit
−0.28
0.02
−0.43
−0.45
−0.46
−0.41
−0.28
−2.13
−0.42
−0.38
−1.09
−0.37
−0.35
Fin. Margin %
−121.74%
4.76%
—
—
—
—
—
—
—
—
—
—
—
Other Income
0
0
0.7
−0.04
−0.04
0.2
0.03
6.66
0
0
0
0.48
0
Interest
0.19
0.14
0.12
0.07
0
0
0
0
0
0
0.81
0.12
0
Depreciation
0
0
0
0
0
0
0
0
0
0
0
0.01
0
PBT
−0.28
0.02
0.27
−0.49
−0.5
−0.22
−0.23
4.53
−0.42
−0.38
−1.09
0.1
−0.35
Tax %
0%
0%
0%
0%
0%
0%
0%
0%
0%
0%
0%
0%
0%
Net Profit
−0.28
0.02
0.27
−0.49
−0.5
−0.22
−0.23
4.53
−0.42
−0.38
−1.09
0.11
−0.35
EPS (₹)
−0.22
0.02
0.21
−0.38
−0.39
−0.16
−0.19
3.52
−0.33
−0.3
−0.85
0.09
−0.27

Profit & Loss

₹ Cr
TCIFINANCE profit and loss, annual, ₹ crore
Particulars Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026TTM
Revenue
13.41
11.26
12.36
11.75
10.29
4.23
4.25
4.53
0
0.66
0.07
0
0
Expenses
0.6
1.11
1.23
1.1
1.89
52.58
9.75
35.4
0.96
1.27
3.27
1.33
1.26
Financing Profit
7.87
2.11
2.57
2.05
2.33
−52.27
−7.74
−32.4
−2.49
−1.13
−3.2
−2.26
−2.19
Fin. Margin %
58.69%
18.74%
20.79%
17.45%
22.64%
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.
−182.12%
−715.23%
—
−171.21%
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.
—
—
Other Income
0.32
0.21
1.73
0.03
1.19
0
0
0.09
0
0.65
6.78
0.48
0.48
Interest
4.94
8.04
8.56
8.6
6.07
3.92
2.24
1.53
1.53
0.52
0
0.93
0.93
Depreciation
0.01
0.03
0.03
0.02
0.02
0.02
0.03
0.02
0.02
0
0
0.01
0.01
PBT
8.18
2.29
4.27
2.06
3.5
−52.29
−7.77
−32.33
−2.51
−0.48
3.59
−1.79
−1.72
Tax %
17.11%
13.54%
15.69%
18.45%
29.43%
0.06%
0%
1.98%
0%
0%
0%
0%
—
Net Profit
6.78
1.98
3.6
1.69
2.47
−52.32
−7.77
−32.97
−2.51
−0.48
3.59
−1.78
−1.71
EPS (₹)
5.27
1.54
2.8
1.31
1.92
−40.64
−6.04
−25.61
−1.95
−0.37
2.78
−1.38
−1.33
Div. Payout %
0%
0%
0%
0%
0%
0%
0%
0%
0%
0%
0%
0%
—

Balance Sheet

₹ Cr
TCIFINANCE balance sheet, annual, ₹ crore
Particulars Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Equity Capital
14.2
14.2
14.2
14.2
14.2
14.2
14.2
14.2
14.2
14.2
14.2
14.2
Reserves
25.9
27.89
31.49
33.18
23.32
−57.27
−44.06
−60.94
−77.05
−77.56
−89.37
−91.04
Borrowing
52.11
59.01
54.01
49.87
34.26
27.49
25.35
22.82
11.49
7.42
1.59
2.56
Other Liabilities
0.58
0.92
2.06
3.11
68.1
85.33
87.96
86.86
97.53
83.49
81.02
81.07
Total Liabilities
92.79
102
102
100
140
69.75
83.45
62.94
46.17
27.55
7.44
6.79
Fixed Assets
0.79
0.73
0.54
0.52
1.28
1.29
1.27
1.25
1.24
1.24
1.26
1.25
CWIP
0
0
0
0
0
0
0
0
0
0
0
0
Investments
49.53
49.49
49.51
49.47
101
23.55
47.25
42.84
26.09
23.86
5.3
5.48
Other Assets
42.47
51.8
51.71
50.37
37.6
44.91
34.93
18.85
18.84
2.45
0.88
0.06
Total Assets
92.79
102
102
100
140
69.75
83.45
62.94
46.17
27.55
7.44
6.79

Cash Flow

₹ Cr
TCIFINANCE cash flow, annual, ₹ crore
Particulars Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Operating
−28.04
−12.64
3.16
3.25
14.41
−22.87
1.69
−22.6
9.8
3.73
4.26
−1.73
Investing
4.26
1.51
1.93
0.88
3.19
25.43
0.38
25.15
1.5
2.23
−0.03
0
Financing
27.88
6.89
−4.99
−4.14
−17.71
−2.52
−2.14
−2.53
−11.33
−4.07
−5.83
0.97
Net Cash Flow
4.11
−4.24
0.1
−0.02
−0.11
0.04
−0.07
0.02
−0.02
1.9
−1.6
−0.77
Free Cash Flow
−28.11
−12.43
4.26
3.25
15.41
−22.9
1.69
−22.6
9.8
3.73
4.23
−1.73

Ratios

TCIFINANCE financial ratios, annual
Particulars Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
ROE %
18.33%
4.43%
6.4%
3.63%
4.33%
—
—
—
—
—
—
—

Insights

Beta

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

Log in to view TCI Finance insights

41 extracted metrics across FY10–FY27.

Shareholding Pattern

As of Sep 2026

  • Public 63.05%
  • Promoters 24.72%
  • Others 12.22%

No promoter shares pledged as of Sep 2026

Change vs previous quarter

Documents

Frequently Asked Questions about TCI Finance

What does TCI Finance Ltd do?
Incorporated in 1973, TCI Finance Ltd is in the business of various financial services
Where is TCI Finance Ltd (TCIFINANCE) listed?
TCI Finance Ltd trades as TCIFINANCE on the NSE and under code 501242 on the BSE.
Which sector does TCI Finance Ltd belong to?
TCI Finance Ltd is classified under the Financial Services sector, in the NBFC industry.
What is the 52-week high and low of TCI Finance Ltd?
Over the last 52 weeks TCI Finance Ltd has traded between ₹10 and ₹38.46 as of 4 Nov 2026.

Company Information

Incorporated in 1973, TCI Finance Ltd is in the business of various financial services

Website tcifl.in
CEO Mr. Amit Kumar Ray
Employees 4
Listed 21 May 1997
Face Value ₹10

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