CSL Finance Ltd

CSLFINANCE

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Market Cap

₹ 661 Cr

P/E

8.10

Turned 1 L into 3.11 L in last 5 Years

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Investment Checklist

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Performance

STEADY PERFORMER

Valuation

REASONABLE

Growth

STABLE

Profitability

HIGH MARGIN

Technicals

Bullish

Risk

MODERATE RISK

Investment Checklist

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Price

PE Ratio

Price

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Overview

Detailed Summary

CSL Finance Limited is a Non-Banking Finance Company focusing on providing financial facilities to SMEs and corporates. The company offers secured loans, primarily backed by properties, catering to small and medium enterprises as well as wholesale clients.

In Q2 FY26, CSL Finance reported a 29% year-on-year growth in AUM, driven by both SME Retail and Wholesale segments, reflecting effective strategic execution.

Net Interest Income grew by 10% YoY and 2% QoQ, while PAT increased by 37% YoY and 15% QoQ, showcasing financial resilience amidst industry challenges.

The company's asset quality improved, with Gross NPA reducing to 0.51% and Net NPA at 0.39% in Q2 FY26, maintaining robust credit standards.

CSL Finance has expanded its distribution network significantly, with plans to add new branches, indicating focus on strategic geographic growth.

Sector

Finance

Industry

NBFC-Others

Market Cap

661 Cr

Volatility

High Risk

P/E Ratio

8.1

Industry P/E

34.6

PEG Ratio

0.3

P/B Ratio

1.1

52W High

380.00

52W Low

227.20

Sales CAGR

29.91%

42.31%

28.72%

10Y

19.17%

Profit CAGR

13.78%

29.17%

26.25%

10Y

20.91%

ROE

TTM

14.04%

13.13%

12.35%

10Y

12.00%

ROCE

TTM

12.91%

12.98%

12.87%

10Y

13.74%

Technicals

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

Forecasts

Peers

Symbol	Price	Market Cap	P/E	P/B	Div Yield (%)	ROE (%)	ROCE (%)	ROA (%)
DHUNINV	1152.15	701 Cr	42.16	0.26	0.26	0.63	2.78	0.53
MANBA	139.70	699 Cr	16.58	1.80	0.54	10.84	9.65	2.23
CONSOFINVT	166.57	692 Cr	1.61	0.44	0.00	27.01	28.62	27.58
NBIFIN	2261.90	668 Cr	66.62	0.21	0.02	0.31	0.40	0.29
CSLFINANCE	287.55	661 Cr	8.10	1.14	1.02	14.04	12.91	5.86
NIYOGIN	57.99	639 Cr	—	1.98	0.00	-1.99	1.70	-0.55
KIRANVYPAR	207.00	562 Cr	47.69	0.25	0.49	0.53	1.85	0.40

Financial Statements

AI Powered Summary

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Standalone Quarterly Results (in ₹ Crores)

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	35	38	45	47	51	54	53	57	59	64
Expenses	7.53	9.04	10	9.71	12	14	14	13	13	14
Interest	9.46	8.90	11	13	14	16	17	18	18	21
Financing Profit	18	20	24	23	25	25	23	25	28	29
Financing Margin %	51.86	53.17	52.60	50.33	48.48	46.10	42.48	44.68	46.91	45.92
Other Income	0.20	0.22	0.24	0.28	0.27	0.25	0.31	0.15	0.14	0.16
Depreciation	0.31	0.34	0.36	0.36	0.39	0.45	0.44	0.45	0.46	0.54
Profit Before Tax	18	20	24	23	25	25	23	25	28	29
Tax %	27.16	26.81	29.67	20.61	24.99	27.79	25.63	23.96	22.71	15.25
Net Profit	13	15	17	19	18	18	17	19	21	24
EPS in Rs	5.78	7.01	7.32	8.13	8.03	7.75	7.28	8.32	9.28	10.65
Gross NPA %	0.75	0.55	0.40	0.44	0.45	0.54	0.00	0.00	0.00	0.00
Net NPA %	0.43	0.32	0.23	0.25	0.26	0.32	0.00	0.00	0.00	0.00

Standalone Profit Loss (in ₹ Crores)

Total Figures

YoY Changes

Total Figures

	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	TTM
Revenue	40	41	58	61	62	75	117	166	215	223
Expenses	13	9.20	11	18	15	19	28	37	53	54
Interest	3.30	6.33	12	11	7.07	11	27	43	65	69
Financing Profit	24	26	35	32	40	45	62	86	98	101
Financing Margin %	58.52	62.46	59.78	53.23	64.51	60.62	53.12	51.94	45.39	45.09
Other Income	0.25	0.10	0.03	0.10	0.19	0.17	0.29	0.94	0.98	0.85
Depreciation	0.12	0.15	0.55	0.74	0.61	0.66	1.03	1.38	1.72	1.80
Profit Before Tax	24	26	34	32	39	45	62	86	97	100
Tax %	323.07	334.62	331.84	342.47	332.65	395.88	386.92	384.98	390.83	24.93
Net Profit	16	18	24	22	28	33	46	63	72	75
EPS in Rs	7.21	8.12	10.17	9.82	12.24	15.16	19.70	28.24	31.38	35.53
Dividend Payout %	3,507.00	2,134.67	1,934.50	1,467.60	501.33	710.00	856.00	1,130.80	1,043.00	—

Standalone Balance Sheet (in ₹ Crores)

Total Figures

YoY Changes

Total Figures

	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025
Equity Capital	4.68	4.68	5.90	6.07	6.10	6.13	20	20	22	22
Reserves	94	110	178	205	226	253	301	342	452	519
Borrowings	9.33	31	88	122	96	83	204	408	503	695
Other Liabilities	2.78	3.59	16	3.46	4.00	5.73	6.57	8.17	7.28	8.48
Total Liabilities	110	149	288	336	332	348	532	779	985	1,245
Fixed Assets	0.52	0.65	0.79	3.87	3.30	2.88	5.68	7.40	7.53	8.51
CWIP	0.00	0.00	0.00	0.00	0.00	0.00	0.17	0.00	0.15	0.08
Investments	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Other Assets	110	148	287	332	329	345	526	771	978	1,236
Total Assets	110	149	288	336	332	348	532	779	985	1,245

Standalone Cash Flows (in ₹ Crores)

Total Figures

YoY Changes

Total Figures

	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025
Cash from Operating Activity	-19	-13	-109	-15	33	22	-158	-167	-127	-172
Cash from Investing Activity	12	4.22	-0.61	-0.72	-0.16	-0.23	-3.50	-2.13	-1.81	-1.61
Cash from Financing Activity	5.99	18	102	23	-27	-17	157	196	143	184
Net Cash Flow	-0.57	9.31	-7.80	6.81	5.30	5.47	-4.60	27	14	9.71

Shareholdings

Shareholding History

Quarterly

Yearly

Quarterly

	Jun 2023	Jul 2023	Aug 2023	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025
Promoters	52.44%	48.38%	48.52%	48.48%	48.46%	48.45%	48.13%	48.13%	48.18%	48.25%	48.19%	48.19%
FIIs	0.02%	7.71%	7.86%	0.04%	1.50%	2.25%	2.58%	2.54%	2.51%	0.84%	0.80%	0.78%
DIIs	1.03%	0.95%	1.81%	1.24%	1.25%	1.25%	1.49%	1.25%	0.13%	0.56%	0.92%	0.97%
Public	46.52%	42.96%	41.81%	50.24%	48.80%	48.05%	47.81%	48.09%	49.18%	50.34%	50.10%	50.06%
Total Shareholders	4,405	4,701	5,380	5,517	5,941	7,057	7,606	8,649	9,278	9,185	8,881	8,849

Market Transactions

Date	Party	Category	Type	Avg Price (₹)	Total Value (₹)	Quantity	Percent Traded
Dec 10, 2025	Visaria securities pvt ltd.	Bulk	Buy	294.00	4.96 Cr	1,68,869	0.74
Dec 10, 2025	Kamal visaria	Bulk	Sell	294.00	4.96 Cr	1,68,818	0.74
Jun 23, 2025	Csl employee welfare trust	Insider - Trust	Disposal	343.02	0.02 Cr	521	0.00
Jun 20, 2025	Csl employee welfare trust	Insider - Trust	Disposal	329.53	0.16 Cr	5,000	0.02
Jun 17, 2025	Csl employee welfare trust	Insider - Trust	Disposal	340.83	0.05 Cr	1,527	0.00
Jun 13, 2025	Csl employee welfare trust	Insider - Trust	Disposal	340.85	0.07 Cr	2,000	0.00
Jun 13, 2025	Csl employee welfare trust	Insider - Trust	Disposal	361.29	0.02 Cr	451	0.00
Jun 11, 2025	Csl employee welfare trust	Insider - Trust	Disposal	364.49	0.03 Cr	938	0.00
Jun 11, 2025	Csl employee welfare trust	Insider - Trust	Disposal	373.80	0.02 Cr	500	0.00
Jun 09, 2025	Csl employee welfare trust	Insider - Trust	Disposal	330.04	0.17 Cr	5,000	0.02

Projection

Actions

Action Type

‌
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Announcements

Last 7 days

Newest

Sentiment

Change in Directors/KMP

6 days ago

Change in Management - Appointment of CBO

Mr. Prince Bhardwaj has been appointed as Chief Business Officer, enhancing the senior management team.

Documents

Presentations

Concalls

Reports

Presentations

Investor Presentation

Q2 FY26

Investor Presentation

Q1 FY26

Investor Presentation

Q4 FY25

Investor Presentation

Q3 FY25

Investor Presentation

Q2 FY25

Investor Presentation

Q1 FY25

Investor Presentation

Q4 FY24

Investor Presentation

Q3 FY24

Showing 1 - 8 of 32

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Overview

Detailed Summary

In Q2 FY26, CSL Finance reported a 29% year-on-year growth in AUM, driven by both SME Retail and Wholesale segments, reflecting effective strategic execution.

Net Interest Income grew by 10% YoY and 2% QoQ, while PAT increased by 37% YoY and 15% QoQ, showcasing financial resilience amidst industry challenges.

The company's asset quality improved, with Gross NPA reducing to 0.51% and Net NPA at 0.39% in Q2 FY26, maintaining robust credit standards.

CSL Finance has expanded its distribution network significantly, with plans to add new branches, indicating focus on strategic geographic growth.

Sector

Finance

Industry

NBFC-Others

Market Cap

661 Cr

Volatility

High Risk

P/E Ratio

8.1

Industry P/E

34.6

PEG Ratio

0.3

P/B Ratio

1.1

52W High

380.00

52W Low

227.20

Sales CAGR

29.91%

42.31%

28.72%

10Y

19.17%

Profit CAGR

13.78%

29.17%

26.25%

10Y

20.91%

ROE

TTM

14.04%

13.13%

12.35%

10Y

12.00%

ROCE

TTM

12.91%

12.98%

12.87%

10Y

13.74%

Csl Finance Ltd

CSL Finance Ltd

CSLFINANCE

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Investment Checklist

Investment Checklist

Overview

Sector

Industry

Market Cap

Volatility

P/E Ratio

Industry P/E

PEG Ratio

P/B Ratio

52W High

52W Low

Technicals

Oscillators

Neutral

Overall

Bullish

Moving Averages

Bullish

Overall

Bullish

Forecasts

Peers

Price Chart Comparison

Financial Statements

AI Powered Summary

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Standalone Quarterly Results (in ₹ Crores)

Standalone Profit Loss (in ₹ Crores)

Standalone Balance Sheet (in ₹ Crores)

Standalone Cash Flows (in ₹ Crores)

Shareholdings

Shareholding History

Market Transactions

Projection

Actions

Announcements

Documents

AI Mode

AI Mode

Overview

Sector

Industry

Market Cap

Volatility

P/E Ratio

Industry P/E

PEG Ratio

P/B Ratio

52W High

52W Low

Financial Statements

AI Powered Summary

AI Mode

Standalone Quarterly Results (in ₹ Crores)

Standalone Profit Loss (in ₹ Crores)

Standalone Balance Sheet (in ₹ Crores)

Standalone Cash Flows (in ₹ Crores)

Investment Checklist

Peers

Price Chart Comparison

Announcements