Golechha Global Finance loans rise to Rs 6.02 crore by September

Golechha Global Finance Limited increased loans to Rs 6.02 crore at September 30, 2026, from Rs 5.43 crore at March 31, 2026, while generating Rs 1.60 lakh from operations in the six months. The Rs 58.68 lakh expansion in loans and advances was the largest working-capital use of cash, and closing cash was Rs 7.67 lakh.

How much did Golechha Global Finance's loan book grow?

Golechha Global Finance's loan book grew by Rs 58.68 lakh in the six months to September 30, 2026, reaching Rs 6.02 crore from Rs 5.43 crore at March 31, 2026. Loans were the company's largest financial asset at the September reporting date, ahead of inventories of Rs 1.62 crore and cash and cash equivalents of Rs 7.67 lakh.

Financial assets increased to Rs 7.73 crore at September 30 from Rs 7.42 crore at March 31, a rise of Rs 31.04 lakh. The loan increase was partly offset by inventories declining by Rs 29.84 lakh to Rs 1.62 crore, while other financial assets increased by Rs 0.60 lakh to Rs 2.10 lakh.

The company states that it is engaged only in non-banking financing activities and therefore has no separate reportable segment under Indian Accounting Standard 108. Its financial-assets total of Rs 7.73 crore at September 30 included loans, inventories, cash and cash equivalents, and other financial assets.

How did loan growth affect operating cash flow?

Golechha Global Finance generated Rs 1.60 lakh of cash from operations for the half year ended September 30, 2026, after reporting profit before tax of Rs 34.11 lakh. The Rs 58.68 lakh increase in loans and advances exceeded that pre-working-capital profit and was the largest stated cash outflow within working-capital movements.

A Rs 29.84 lakh reduction in inventories supplied cash and partly offset the lending outflow. The cash-flow statement also records a Rs 2.62 lakh increase in current tax assets, a Rs 0.60 lakh increase in other financial assets, and a Rs 0.45 lakh reduction in provisions and non-financial liabilities.

No direct taxes paid, investing cash flows or financing cash flows were reported for the six months to September 30, 2026. As a result, the Rs 1.60 lakh cash generated from operations was also the net increase in cash and cash equivalents, compared with an audited net cash decrease of Rs 13.42 lakh shown in the March 31, 2026 column of the cash-flow statement.

What cash did Golechha Global Finance hold at September 30?

Golechha Global Finance held Rs 7.67 lakh in cash and cash equivalents at September 30, 2026, compared with Rs 6.07 lakh at March 31, 2026. The increase exactly matches the Rs 1.60 lakh net cash inflow reported for the half year, because the filing lists no cash movement from investing or financing activities.

Cash on hand was Rs 7.42 lakh at September 30, while balances with banks in current accounts were Rs 0.25 lakh. At March 31, cash on hand was Rs 4.82 lakh and current-account balances were Rs 1.25 lakh, meaning the Rs 2.60 lakh increase in cash on hand was partly offset by a Rs 1.00 lakh fall in bank balances.

The balance sheet reports no bank balances other than cash and cash equivalents at either September 30 or March 31. It also reports no finance cost in the half-year income statement, while financial liabilities payables remained unchanged at Rs 1.73 lakh across the two balance-sheet dates.

How did Golechha Global Finance's assets and equity change?

Golechha Global Finance's total assets rose to Rs 8.10 crore at September 30, 2026, from Rs 7.85 crore at March 31, 2026. The Rs 25.08 lakh increase reflected the Rs 31.04 lakh rise in financial assets, partly moderated by non-financial assets falling by Rs 5.96 lakh to Rs 37.58 lakh.

Within non-financial assets, deferred tax assets declined by Rs 8.58 lakh to Rs 30.45 lakh, while current tax assets increased by Rs 2.62 lakh to Rs 7.13 lakh. The movement in deferred tax assets corresponds with the Rs 8.58 lakh deferred-tax expense recorded in the half-year profit and loss statement.

Total equity increased to Rs 8.03 crore at September 30 from Rs 7.78 crore at March 31, an increase of Rs 25.53 lakh. Equity share capital remained Rs 5.50 crore, and other equity rose to Rs 2.53 crore from Rs 2.28 crore, matching the reported half-year profit after tax of Rs 25.53 lakh.

Total liabilities were Rs 7.24 lakh at September 30, down from Rs 7.69 lakh at March 31. Financial liabilities payables were unchanged at Rs 1.73 lakh, while provisions fell to Rs 5.39 lakh from Rs 5.91 lakh and other liabilities rose to Rs 0.12 lakh from Rs 0.05 lakh.

What were Golechha Global Finance's half-year earnings?

Golechha Global Finance reported profit after tax of Rs 25.53 lakh for the half year ended September 30, 2026, compared with Rs 49.84 lakh in the corresponding half year of 2025. Profit before tax declined to Rs 34.11 lakh from Rs 66.60 lakh, while the half-year deferred-tax expense was Rs 8.58 lakh.

Total revenue declined to Rs 4.89 crore from Rs 14.95 crore a year earlier. Other operating income fell to Rs 4.62 crore from Rs 14.71 crore, while interest income moved higher to Rs 26.10 lakh from Rs 21.81 lakh over the same two half-year periods.

Total expenses fell to Rs 4.54 crore from Rs 14.28 crore in the previous year's half year. Purchase of traded goods declined to Rs 4.06 crore from Rs 13.06 crore, and changes in inventories were Rs 29.84 lakh compared with Rs 1.02 crore a year earlier.

For the quarter ended September 30, 2026, the company recorded a loss after tax of Rs 10.74 lakh, following profit after tax of Rs 36.27 lakh in the June 2026 quarter. The September 2025 quarter had recorded a loss after tax of Rs 20.76 lakh; earnings per share for the September 2026 half year were Rs 0.46 and were not annualised.

Conclusion

The September 2026 half-year figures show Golechha Global Finance expanding its loan book by Rs 58.68 lakh while keeping operating cash generation at Rs 1.60 lakh. Inventory reduction supplied Rs 29.84 lakh of cash, but it did not fully offset the cash absorbed by lending growth, leaving Rs 7.67 lakh of cash and cash equivalents at period end.

The filing does not disclose a loan-growth target or funding plan after the Board approved the results on November 13, 2026. The next disclosures will show whether loans continue to grow, whether inventories continue to decline, and how those movements affect the company's cash balance and operating cash flow.