Capital India Finance Ltd

CIFL

Watchlist

AI Mode

‌

Market Cap

₹ 1,403 Cr

P/E

—

‌

‌
‌

‌

‌
‌

Investment Checklist

How to read checklist?

Performance

STEADY PERFORMER

Valuation

REASONABLE

Growth

SLUGGISH

Profitability

LOW MARGIN

Technicals

Bullish

Risk

LOW RISK

Investment Checklist

‌

‌
‌

‌

‌
‌

‌

‌
‌

‌

‌
‌

‌

‌
‌

‌

‌
‌

‌

Price

PE Ratio

Price

‌

Overview

Detailed Summary

Capital India Finance Limited is a Non-Banking Financial Institution (NBFC) that provides customized financial solutions to Indian corporates and enterprises, focusing on mid-corporate and SME segments.

The company underwent significant management and control changes in 2017-18, with its name changed from Bhilwara Tex-fin Limited to Capital India Finance Limited.

Capital India Finance has expanded its operational scope by incorporating five wholly-owned subsidiaries across various financial services, indicating strategic diversification.

During the financial year 2020-21, the company received an Authorized Dealer Category II License from the RBI to conduct foreign exchange services.

In 2021-22, Rapipay Fintech Holding Private Limited was amalgamated with the company, resulting in the issuance of 88,46,273 equity shares, indicating consolidation efforts.

Sector

Finance

Industry

NBFC-Others

Market Cap

1,403 Cr

Volatility

Low Risk

P/E Ratio

—

Industry P/E

34.5

PEG Ratio

—

P/B Ratio

2.1

52W High

44.50

52W Low

28.99

Sales CAGR

-10.04%

14.67%

11.74%

10Y

42.55%

Profit CAGR

-58.94%

0.34%

-17.26%

10Y

73.61%

ROE

TTM

-8.47%

2.59%

2.69%

10Y

3.00%

ROCE

TTM

2.27%

7.21%

6.47%

10Y

6.57%

Technicals

‌

Forecasts

Peers

Symbol	Price	Market Cap	P/E	P/B	Div Yield (%)	ROE (%)	ROCE (%)	ROA (%)
ARMANFIN	1519.05	1,569 Cr	—	1.80	0.00	-0.12	10.77	-0.05
MASTERTR	124.35	1,496 Cr	12.66	1.99	0.00	15.68	24.32	5.73
FINKURVE	105.00	1,445 Cr	73.45	9.14	0.00	12.49	15.44	12.24
ZSARACOM	12950.00	1,424 Cr	66.12	1.33	0.00	2.01	2.57	1.73
CIFL	35.54	1,403 Cr	—	2.09	0.06	-8.47	2.27	2.16
ASHIKA	307.50	1,374 Cr	—	2.57	0.00	0.00	0.00	—
CREST	359.85	1,016 Cr	19.85	0.80	0.28	4.06	5.75	3.17

Financial Statements

AI Powered Summary

Discover detailed, AI-driven financial summaries that break down key metrics, trends, and insights—empowering you to make smarter investment decisions.

AI Mode

Consolidated Quarterly Results (in ₹ Crores)

View Standalone

Total Figures

QoQ Changes

Total Figures

	Jun 2023	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025
Revenue	175	176	165	165	159	166	154	139	140	131
Expenses	146	147	134	140	134	131	120	108	109	158
Interest	26	26	25	22	26	25	28	28	28	20
Financing Profit	3.02	2.97	5.82	2.05	-0.29	9.03	6.80	3.02	3.04	-47
Financing Margin %	1.73	1.69	3.52	1.25	-0.18	5.44	4.40	2.17	2.17	-35.72
Other Income	11	2.47	0.66	3.00	0.70	1.33	0.44	2.00	0.35	107
Depreciation	7.31	7.96	7.64	7.26	7.92	7.92	8.15	7.94	8.22	8.12
Profit Before Tax	7.18	-2.52	-1.15	-2.21	-7.51	2.45	-0.92	-2.91	-4.83	52
Tax %	32.45	-102.78	-105.22	-71.95	15.45	75.51	-108.70	12.03	-16.77	12.19
Net Profit	4.84	-5.11	-2.37	-3.80	-6.35	0.60	-1.91	-2.56	-5.64	45
EPS in Rs	0.27	0.00	0.01	0.02	-0.04	0.08	0.02	-0.01	-0.07	1.15
Gross NPA %	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Net NPA %	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00

Consolidated Profit Loss (in ₹ Crores)

View Standalone

Total Figures

YoY Changes

Total Figures

	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	TTM
Revenue	26	60	179	318	530	652	680	611	599
Expenses	11	31	127	265	477	627	565	489	469
Interest	10	9.44	17	24	51	81	102	107	109
Financing Profit	4.86	19	36	29	1.34	-56	13	16	22
Financing Margin %	18.67	31.47	19.99	9.23	0.25	-8.67	1.95	2.58	3.65
Other Income	0.00	0.11	0.02	0.01	2.00	-4.19	7.89	7.27	4.12
Depreciation	0.43	7.65	12	15	21	25	30	32	32
Profit Before Tax	4.43	11	24	15	-18	-85	-9.02	-8.89	-6.21
Tax %	37.11	41.85	43.06	58.76	-17.80	-1.92	-85.65	-15.00	-53.14
Net Profit	2.79	6.51	14	6.08	-21	-87	-6.43	-10	-9.51
EPS in Rs	—	0.17	0.43	0.24	-0.07	-1.06	0.30	0.05	1.09
Dividend Payout %	12.56	26.14	4.50	8.20	-28.57	-1.88	6.76	50.00	—

Consolidated Balance Sheet (in ₹ Crores)

View Standalone

Total Figures

YoY Changes

Total Figures

	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025
Equity Capital	3.50	78	78	78	78	78	78	78
Reserves	128	430	444	485	543	528	545	550
Borrowings	7.00	132	121	297	728	896	884	971
Other Liabilities	16	30	70	184	278	294	295	253
Total Liabilities	154	670	713	1,044	1,626	1,795	1,801	1,853
Fixed Assets	8.32	31	47	56	78	81	94	90
CWIP	2.35	2.02	1.32	5.08	11	35	10	8.68
Investments	0.00	24	8.63	0.00	9.60	44	9.85	64
Other Assets	144	614	656	982	1,528	1,634	1,687	1,691
Total Assets	154	670	713	1,044	1,626	1,795	1,801	1,853

Consolidated Cash Flows (in ₹ Crores)

View Standalone

Total Figures

YoY Changes

Total Figures

	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025
Cash from Operating Activity	-4.76	-453	30	-69	-313	-23	121	13
Cash from Investing Activity	-21	-29	25	-87	-110	-16	1.37	-61
Cash from Financing Activity	-5.68	490	-17	231	480	80	-124	-27
Net Cash Flow	-32	7.57	38	74	56	41	-2.29	-75

Shareholdings

Shareholding History

Quarterly

Yearly

Quarterly

	Mar 2023	Jun 2023	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Apr 2025	Jun 2025	Sep 2025
Promoters	73.04%	73.04%	73.04%	73.04%	73.04%	73.04%	73.04%	73.02%	72.95%	72.95%	72.87%	72.84%
FIIs	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.13%	0.13%	0.28%	0.08%
DIIs	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Public	26.96%	26.96%	26.96%	26.96%	26.96%	26.96%	26.96%	26.98%	26.92%	26.92%	26.85%	27.08%
Total Shareholders	1,324	1,342	1,342	1,347	1,339	1,461	2,024	2,619	3,740	3,770	5,095	7,056

Market Transactions

Date	Party	Category	Type	Avg Price (₹)	Total Value (₹)	Quantity	Percent Traded
Oct 11, 2024	Sudhir power limited	Bulk	Sell	155.34	6.45 Cr	4,15,000	0.10
Mar 22, 2023	Samrat banerjee	Bulk	Sell	89.91	19.02 Cr	21,15,848	0.54
Mar 22, 2023	Rational builders and developers	Bulk	Buy	89.90	18.31 Cr	20,37,209	0.52

Projection

Actions

Action Type

‌
‌

Announcements

Last 7 days

Newest

Sentiment

Sorry, no results found!

Documents

Presentations

Concalls

Reports

Presentations

Investor Presentation

Q4 FY25

Investor Presentation

Q3 FY21

Investor Presentation

Q4 FY20

Investor Presentation

Q2 FY20

Investor Presentation

Q2 FY20

Investor Presentation

Q2 FY18

AI Mode

Get instant AI-powered insights about company performance, financials, and strategy. Ask questions about trends, competition, and developments while receiving responses backed by official documents and market data, with clear attribution to source documents.

AI Mode

Oscillators

BearishNeutralBullish

Neutral

Bearish

Neutral

Bullish

Overall

BearishNeutralBullish

Bullish

Bearish

Neutral

Bullish

Moving Averages

BearishNeutralBullish

Bullish

Bearish

Neutral

Bullish

Overall

BearishNeutralBullish

Bullish

Bearish

Neutral

Bullish

Financial Statements

AI Powered Summary

Discover detailed, AI-driven financial summaries that break down key metrics, trends, and insights—empowering you to make smarter investment decisions.

AI Mode

Consolidated Quarterly Results (in ₹ Crores)

View Standalone

Total Figures

QoQ Changes

Total Figures

	Jun 2023	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025
Revenue	175	176	165	165	159	166	154	139	140	131
Expenses	146	147	134	140	134	131	120	108	109	158
Interest	26	26	25	22	26	25	28	28	28	20
Financing Profit	3.02	2.97	5.82	2.05	-0.29	9.03	6.80	3.02	3.04	-47
Financing Margin %	1.73	1.69	3.52	1.25	-0.18	5.44	4.40	2.17	2.17	-35.72
Other Income	11	2.47	0.66	3.00	0.70	1.33	0.44	2.00	0.35	107
Depreciation	7.31	7.96	7.64	7.26	7.92	7.92	8.15	7.94	8.22	8.12
Profit Before Tax	7.18	-2.52	-1.15	-2.21	-7.51	2.45	-0.92	-2.91	-4.83	52
Tax %	32.45	-102.78	-105.22	-71.95	15.45	75.51	-108.70	12.03	-16.77	12.19
Net Profit	4.84	-5.11	-2.37	-3.80	-6.35	0.60	-1.91	-2.56	-5.64	45
EPS in Rs	0.27	0.00	0.01	0.02	-0.04	0.08	0.02	-0.01	-0.07	1.15
Gross NPA %	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Net NPA %	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00

Consolidated Profit Loss (in ₹ Crores)

View Standalone

Total Figures

YoY Changes

Total Figures

	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	TTM
Revenue	26	60	179	318	530	652	680	611	599
Expenses	11	31	127	265	477	627	565	489	469
Interest	10	9.44	17	24	51	81	102	107	109
Financing Profit	4.86	19	36	29	1.34	-56	13	16	22
Financing Margin %	18.67	31.47	19.99	9.23	0.25	-8.67	1.95	2.58	3.65
Other Income	0.00	0.11	0.02	0.01	2.00	-4.19	7.89	7.27	4.12
Depreciation	0.43	7.65	12	15	21	25	30	32	32
Profit Before Tax	4.43	11	24	15	-18	-85	-9.02	-8.89	-6.21
Tax %	37.11	41.85	43.06	58.76	-17.80	-1.92	-85.65	-15.00	-53.14
Net Profit	2.79	6.51	14	6.08	-21	-87	-6.43	-10	-9.51
EPS in Rs	—	0.17	0.43	0.24	-0.07	-1.06	0.30	0.05	1.09
Dividend Payout %	12.56	26.14	4.50	8.20	-28.57	-1.88	6.76	50.00	—

Consolidated Balance Sheet (in ₹ Crores)

View Standalone

Total Figures

YoY Changes

Total Figures

	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025
Equity Capital	3.50	78	78	78	78	78	78	78
Reserves	128	430	444	485	543	528	545	550
Borrowings	7.00	132	121	297	728	896	884	971
Other Liabilities	16	30	70	184	278	294	295	253
Total Liabilities	154	670	713	1,044	1,626	1,795	1,801	1,853
Fixed Assets	8.32	31	47	56	78	81	94	90
CWIP	2.35	2.02	1.32	5.08	11	35	10	8.68
Investments	0.00	24	8.63	0.00	9.60	44	9.85	64
Other Assets	144	614	656	982	1,528	1,634	1,687	1,691
Total Assets	154	670	713	1,044	1,626	1,795	1,801	1,853

Consolidated Cash Flows (in ₹ Crores)

View Standalone

Total Figures

YoY Changes

Total Figures

	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025
Cash from Operating Activity	-4.76	-453	30	-69	-313	-23	121	13
Cash from Investing Activity	-21	-29	25	-87	-110	-16	1.37	-61
Cash from Financing Activity	-5.68	490	-17	231	480	80	-124	-27
Net Cash Flow	-32	7.57	38	74	56	41	-2.29	-75

Peers

Symbol	Price	Market Cap	P/E	P/B	Div Yield (%)	ROE (%)	ROCE (%)	ROA (%)
ARMANFIN	1519.05	1,569 Cr	—	1.80	0.00	-0.12	10.77	-0.05
MASTERTR	124.35	1,496 Cr	12.66	1.99	0.00	15.68	24.32	5.73
FINKURVE	105.00	1,445 Cr	73.45	9.14	0.00	12.49	15.44	12.24
ZSARACOM	12950.00	1,424 Cr	66.12	1.33	0.00	2.01	2.57	1.73
CIFL	35.54	1,403 Cr	—	2.09	0.06	-8.47	2.27	2.16
ASHIKA	307.50	1,374 Cr	—	2.57	0.00	0.00	0.00	—
CREST	359.85	1,016 Cr	19.85	0.80	0.28	4.06	5.75	3.17

Overview

Detailed Summary

The company underwent significant management and control changes in 2017-18, with its name changed from Bhilwara Tex-fin Limited to Capital India Finance Limited.

Capital India Finance has expanded its operational scope by incorporating five wholly-owned subsidiaries across various financial services, indicating strategic diversification.

During the financial year 2020-21, the company received an Authorized Dealer Category II License from the RBI to conduct foreign exchange services.

In 2021-22, Rapipay Fintech Holding Private Limited was amalgamated with the company, resulting in the issuance of 88,46,273 equity shares, indicating consolidation efforts.

Sector

Finance

Industry

NBFC-Others

Market Cap

1,403 Cr

Volatility

Low Risk

P/E Ratio

—

Industry P/E

34.5

PEG Ratio

—

P/B Ratio

2.1

52W High

44.50

52W Low

28.99

Sales CAGR

-10.04%

14.67%

11.74%

10Y

42.55%

Profit CAGR

-58.94%

0.34%

-17.26%

10Y

73.61%

ROE

TTM

-8.47%

2.59%

2.69%

10Y

3.00%

ROCE

TTM

2.27%

7.21%

6.47%

10Y

6.57%