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Discovery themes featuring this stockBearish
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Neutral
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Bearish
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Investor Presentation
Q4 FY26
Investor Presentation
Q3 FY26
Investor Presentation
Q2 FY26
Investor Presentation
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Gilada Finance & Investments Limited is an RBI-registered non-banking financial company (NBFC) that originates and services retail-focused loans, principally vehicle finance, small business loans and mortgage lending under the Gilada Group umbrella, managed day-to-day by Managing Director Rajgopal Gilada and headquartered in Bangalore.
For FY2025-26 the company reported profit before tax of approximately Rs. 29.31 million and profit after tax of about Rs. 21.74 million, a modest improvement over the prior year, supported by a loan book increase from ~Rs. 296.78 million to ~Rs. 323.48 million (around 9% year-on-year growth).
Asset quality and credit concentration are key near-term issues: the auditor discloses loans overdue more than 90 days of Rs. 2.2173 crore and Stage 2 exposure of Rs. 15.84 lakh, while related-party loans total Rs. 781.87 lakhs, representing 24.17% of the loan book, signalling material concentration and governance scrutiny risk.
Funding and regulatory matters are active: the Board approved private placements and allotment of secured non-convertible debentures (NCDs) during the year and there are ongoing compliance steps referenced for Section 71, plus appointments of a secretarial auditor and a new internal auditor for FY2026-27.
Operational controls rate well in the audit: external auditors issued an unmodified opinion and concluded that internal financial controls over financial reporting were adequate and effective as of 31 March 2026, which supports reliability of reported numbers despite pockets of credit stress and related-party concentrations.
Finance
Non Banking Financial Company (NBFC)
17 Cr
Low Risk
7.9
15.2
-5.9
0.6
23.80
10.10
Sales CAGR
Profit CAGR
ROE
ROCE
Gilada Finance & Investments Ltd (GILADAFINS) is currently trading at 11.76 per share. Stock prices fluctuate during market hours on NSE and BSE based on demand, company updates, and overall market conditions. Refer to the live price chart above for the most recent price movement.
Gilada Finance & Investments Limited is an RBI-registered non-banking financial company (NBFC) that originates and services retail-focused loans, principally vehicle finance, small business loans and mortgage lending under the Gilada Group umbrella, managed day-to-day by Managing Director Rajgopal Gilada and headquartered in Bangalore. For FY2025-26 the company reported profit before tax of approximately Rs. 29.31 million and profit after tax of about Rs. 21.74 million, a modest improvement over the prior year, supported by a loan book increase from ~Rs. 296.78 million to ~Rs. 323.48 million (around 9% year-on-year growth). Asset quality and credit concentration are key near-term issues: the auditor discloses loans overdue more than 90 days of Rs. 2.2173 crore and Stage 2 exposure of Rs. 15.84 lakh, while related-party loans total Rs. 781.87 lakhs, representing 24.17% of the loan book, signalling material concentration and governance scrutiny risk. Funding and regulatory matters are active: the Board approved private placements and allotment of secured non-convertible debentures (NCDs) during the year and there are ongoing compliance steps referenced for Section 71, plus appointments of a secretarial auditor and a new internal auditor for FY2026-27. Operational controls rate well in the audit: external auditors issued an unmodified opinion and concluded that internal financial controls over financial reporting were adequate and effective as of 31 March 2026, which supports reliability of reported numbers despite pockets of credit stress and related-party concentrations.
Over the past 52 weeks, Gilada Finance & Investments Ltd has traded between a low of ₹10.10 and a high of ₹23.80. The 52-week high and low indicate the stock’s price range over the last year and help investors understand its volatility and recent trading levels.
Gilada Finance & Investments Ltd has a market capitalization of approximately 16.41. Market capitalization represents the total value of a company’s outstanding shares and helps investors understand its size, stability, and relative risk compared to other listed companies.
Gilada Finance & Investments Ltd’s investment profile depends on its business fundamentals, valuation, and long-term outlook. The stock currently trades at a PE ratio of 7.84 and operates in the its sector sector. Investors typically assess financial performance, growth prospects, and individual risk tolerance before making investment decisions.
Based on its market capitalization of 16.41 Cr, Gilada Finance & Investments Ltd is classified as a Small Cap stock. Large-cap stocks are generally more stable, while mid-cap and small-cap stocks tend to offer higher growth potential along with higher price volatility.
Gilada Finance & Investments Ltd operates in the its sector sector. Sector classification matters because companies in the same sector are often affected by similar economic conditions, regulatory changes, and competitive dynamics, which can influence overall stock performance.
The Price-to-Earnings (PE) ratio of Gilada Finance & Investments Ltd is 7.84. The PE ratio compares a company’s share price to its earnings and is commonly used to assess valuation. Comparing the PE ratio with sector peers and historical levels provides better context.
| Symbol | Watchlist | Price | Market Cap | P/E | P/B | Div Yield (%) | ROE (%) | ROCE (%) | ROA (%) |
13.51 | 17 Cr | — | 0.00 | 0.00 | 2.37 | 0.98 | -27.26 | ||
17.50 | 17 Cr | 26.87 | 0.70 | 0.00 | 2.14 | 4.09 | 1.71 | ||
11.76 | 16 Cr | 7.84 | 0.63 | 0.00 | 8.31 | 12.00 | 5.57 | ||
16.78 | 16 Cr | 89.25 | 1.95 | 0.00 | 2.32 | 0.84 | 7.25 | ||
55.39 | 16 Cr | 219.83 | 2.13 | 0.00 | 1.03 | 1.66 | 0.89 | ||
12.25 | 16 Cr | — | 0.74 | 0.00 | -6.73 | -7.61 | -4.69 | ||
24.23 | 16 Cr | — | 0.85 | 0.00 | -19.07 | -20.42 | -9.41 | ||
| Median: 7 Co. | — | 16.78 | 16 Cr | 58.06 | 0.74 | 0.00 | 2.14 | 0.98 | 0.89 |
