Gilada Finance & Investments Ltd

GILADAFINS

Watchlist

AI Mode

‌

Market Cap

₹ 21 Cr

P/E

9.54

‌

‌
‌

‌

‌
‌

Investment Checklist

How to read checklist?

Performance

STEADY PERFORMER

Valuation

REASONABLE

Growth

STABLE

Profitability

HIGH MARGIN

Technicals

Bullish

Risk

MODERATE RISK

Investment Checklist

‌

‌
‌

‌

‌
‌

‌

‌
‌

‌

‌
‌

‌

‌
‌

‌

‌
‌

‌

Price

PE Ratio

Price

‌

Overview

Detailed Summary

Gilada Finance & Investments Ltd. is a financial services company specializing in vehicle financing, small business loans, and mortgage loans.

The company is part of the GITA Group and has a legacy in the finance sector since its incorporation in 1994.

Under the leadership of Mr. Rajgopal Gilada, the company navigated significant historical challenges like the early 2000s global recession, maintaining performance.

Gilada Finance focuses on providing accessible lending solutions to individuals and small businesses, powering growth and development in its target markets.

Sector

Finance

Industry

NBFC-Others

Market Cap

21 Cr

Volatility

Low Risk

P/E Ratio

9.5

Industry P/E

34.5

PEG Ratio

0.6

P/B Ratio

1.0

52W High

23.80

52W Low

9.30

Sales CAGR

8.32%

21.75%

14.39%

10Y

14.09%

Profit CAGR

25.29%

17.07%

17.92%

10Y

11.24%

ROE

TTM

8.55%

8.07%

7.29%

10Y

6.36%

ROCE

TTM

12.17%

11.13%

10.17%

10Y

9.08%

Technicals

‌

Forecasts

Peers

Symbol	Price	Market Cap	P/E	P/B	Div Yield (%)	ROE (%)	ROCE (%)	ROA (%)
GILADAFINS	14.89	21 Cr	9.54	0.96	0.00	8.55	12.17	5.94
TRADEWELL	66.67	20 Cr	10.75	2.65	0.00	24.65	7.33	7.50
TTIENT	7.80	20 Cr	33.91	0.69	0.00	2.06	2.24	1.97
RFLL	19.50	20 Cr	27.08	1.18	0.00	4.33	4.92	3.77
BHARAT	28.68	19 Cr	110.31	0.69	1.05	0.62	0.71	0.57
ABHIFIN	41.56	19 Cr	1039.00	3.16	0.00	0.31	1.18	0.00
CUBIFIN	2.94	19 Cr	98.00	1.26	0.00	1.08	2.81	1.02

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

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	1.31	1.54	1.82	1.48	1.67	1.60	1.71	1.79	1.67	1.73
Expenses	0.58	0.48	0.58	1.23	0.65	0.65	0.64	0.81	0.64	0.75
Interest	0.21	0.28	0.45	0.35	0.38	0.35	0.44	0.22	0.33	0.35
Financing Profit	0.52	0.78	0.79	-0.10	0.64	0.60	0.63	0.76	0.70	0.63
Financing Margin %	39.69	50.65	43.41	-6.76	38.32	37.50	36.84	42.46	41.92	36.42
Other Income	0.07	0.04	0.01	0.25	0.10	0.14	0.05	0.04	0.04	0.14
Depreciation	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.04	0.01	0.01
Profit Before Tax	0.58	0.81	0.80	0.15	0.73	0.74	0.67	0.76	0.73	0.76
Tax %	25.86	24.69	25.00	53.33	24.66	25.68	25.37	28.95	24.66	25.00
Net Profit	0.44	0.60	0.60	0.07	0.55	0.55	0.50	0.54	0.54	0.57
EPS in Rs	0.31	0.43	0.43	1.21	0.39	0.39	0.35	0.38	0.39	0.40
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

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	2.51	2.60	3.29	3.46	3.35	3.75	4.33	6.25	6.77	6.77
Expenses	0.73	1.45	2.47	1.82	1.85	2.05	3.14	2.88	2.77	2.74
Interest	0.06	0.02	0.03	0.08	0.07	0.06	0.60	1.29	1.39	1.34
Financing Profit	1.73	1.12	0.79	1.55	1.43	1.64	0.60	2.09	2.62	2.69
Financing Margin %	68.75	43.34	24.10	44.96	42.62	43.68	13.74	33.35	38.67	39.73
Other Income	0.03	0.00	0.01	0.04	0.03	0.01	1.48	0.28	0.33	0.27
Depreciation	0.02	0.05	0.10	0.04	0.03	0.04	0.03	0.03	0.05	0.07
Profit Before Tax	1.34	1.08	0.71	1.20	1.42	1.62	2.05	2.34	2.90	2.90
Tax %	312.94	335.78	923.99	450.03	325.42	559.85	385.23	370.27	377.79	26.55
Net Profit	0.91	0.76	0.63	0.93	0.98	1.33	1.52	1.70	2.13	2.13
EPS in Rs	0.79	0.86	0.30	0.66	0.73	0.90	1.08	2.38	1.51	1.52
Dividend Payout %	—	854.33	—	—	—	—	—	—	—	—

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	3.51	3.51	3.51	3.51	3.51	3.51	3.51	7.02	7.02	7.02
Reserves	10	11	13	13	14	15	17	13	15	17
Borrowings	0.32	0.31	0.30	0.78	0.71	0.64	0.70	6.57	12	9.97
Other Liabilities	0.27	0.33	0.27	0.34	0.41	0.42	0.14	0.21	1.02	0.69
Total Liabilities	14	15	17	18	19	20	21	27	35	35
Fixed Assets	0.06	0.14	0.17	0.09	0.07	0.05	0.05	0.04	0.03	0.13
CWIP	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Investments	0.00	0.00	0.00	0.19	0.14	0.01	0.01	0.06	0.06	0.06
Other Assets	14	15	17	18	19	20	21	27	35	34
Total Assets	14	15	17	18	19	20	21	27	35	35

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	0.18	0.15	1.89	-3.18	0.09	0.07	0.81	-2.86	-6.75	2.99
Cash from Investing Activity	-0.03	-0.10	-0.21	-0.02	-0.02	-0.01	-0.04	-0.07	-0.02	-0.15
Cash from Financing Activity	-0.18	0.00	1.15	0.45	-0.15	-0.13	-0.01	5.23	4.32	-3.16
Net Cash Flow	-0.03	0.05	2.83	-2.75	-0.08	-0.08	0.76	2.31	-2.45	-0.32

Shareholdings

Shareholding History

Quarterly

Yearly

Quarterly

	Dec 2022	Mar 2023	Jun 2023	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025
Promoters	58.77%	58.77%	58.77%	58.77%	58.77%	58.77%	58.77%	58.77%	58.77%	58.77%	58.77%	58.77%
FIIs	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
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	41.23%	41.23%	41.23%	41.23%	41.23%	41.23%	41.23%	41.23%	41.23%	41.23%	41.23%	41.23%
Total Shareholders	7,160	5,916	5,553	5,661	5,520	5,576	5,583	5,802	6,063	6,043	5,916	5,887

Market Transactions

Date	Party	Category	Type	Avg Price (₹)	Total Value (₹)	Quantity	Percent Traded
Dec 01, 2025	Rajashree gilada	Insider - Connected Person	Disposal	22.29	0.03 Cr	15,000	0.10
Dec 01, 2025	Rajashree gilada	Insider - Connected Person	Disposal	19.66	0.11 Cr	57,000	0.40
Dec 01, 2025	Rajashree gilada	Insider - Promoter	Disposal	22.29	0.03 Cr	15,000	0.10
Dec 01, 2025	Rajashree gilada	Insider - Promoter	Disposal	19.66	0.11 Cr	57,000	0.40
Sep 12, 2024	Vikashkumar jain	Bulk	Buy	12.51	0.09 Cr	70,893	0.50
Jul 12, 2024	Yogeshkumarshukla	Bulk	Buy	10.10	0.10 Cr	98,381	0.70
Jul 12, 2024	Sunil hukumat rajdev	Bulk	Sell	10.10	0.07 Cr	70,981	0.50
Mar 12, 2024	Shyamsunder madanlal soni (huf)	Bulk	Sell	12.09	0.13 Cr	1,07,200	0.76
Mar 12, 2024	Sharad shyam soni huf	Bulk	Buy	12.09	0.11 Cr	90,000	0.64
Jan 19, 2024	Ranjana agarwal	Bulk	Sell	14.10	0.12 Cr	86,658	0.61

Projection

Actions

Action Type

‌
‌

Announcements

Last 7 days

Newest

Sentiment

Sorry, no results found!

Documents

Presentations

Concalls

Reports

Presentations

No documents found!

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

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

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	1.31	1.54	1.82	1.48	1.67	1.60	1.71	1.79	1.67	1.73
Expenses	0.58	0.48	0.58	1.23	0.65	0.65	0.64	0.81	0.64	0.75
Interest	0.21	0.28	0.45	0.35	0.38	0.35	0.44	0.22	0.33	0.35
Financing Profit	0.52	0.78	0.79	-0.10	0.64	0.60	0.63	0.76	0.70	0.63
Financing Margin %	39.69	50.65	43.41	-6.76	38.32	37.50	36.84	42.46	41.92	36.42
Other Income	0.07	0.04	0.01	0.25	0.10	0.14	0.05	0.04	0.04	0.14
Depreciation	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.04	0.01	0.01
Profit Before Tax	0.58	0.81	0.80	0.15	0.73	0.74	0.67	0.76	0.73	0.76
Tax %	25.86	24.69	25.00	53.33	24.66	25.68	25.37	28.95	24.66	25.00
Net Profit	0.44	0.60	0.60	0.07	0.55	0.55	0.50	0.54	0.54	0.57
EPS in Rs	0.31	0.43	0.43	1.21	0.39	0.39	0.35	0.38	0.39	0.40
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

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	2.51	2.60	3.29	3.46	3.35	3.75	4.33	6.25	6.77	6.77
Expenses	0.73	1.45	2.47	1.82	1.85	2.05	3.14	2.88	2.77	2.74
Interest	0.06	0.02	0.03	0.08	0.07	0.06	0.60	1.29	1.39	1.34
Financing Profit	1.73	1.12	0.79	1.55	1.43	1.64	0.60	2.09	2.62	2.69
Financing Margin %	68.75	43.34	24.10	44.96	42.62	43.68	13.74	33.35	38.67	39.73
Other Income	0.03	0.00	0.01	0.04	0.03	0.01	1.48	0.28	0.33	0.27
Depreciation	0.02	0.05	0.10	0.04	0.03	0.04	0.03	0.03	0.05	0.07
Profit Before Tax	1.34	1.08	0.71	1.20	1.42	1.62	2.05	2.34	2.90	2.90
Tax %	312.94	335.78	923.99	450.03	325.42	559.85	385.23	370.27	377.79	26.55
Net Profit	0.91	0.76	0.63	0.93	0.98	1.33	1.52	1.70	2.13	2.13
EPS in Rs	0.79	0.86	0.30	0.66	0.73	0.90	1.08	2.38	1.51	1.52
Dividend Payout %	—	854.33	—	—	—	—	—	—	—	—

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	3.51	3.51	3.51	3.51	3.51	3.51	3.51	7.02	7.02	7.02
Reserves	10	11	13	13	14	15	17	13	15	17
Borrowings	0.32	0.31	0.30	0.78	0.71	0.64	0.70	6.57	12	9.97
Other Liabilities	0.27	0.33	0.27	0.34	0.41	0.42	0.14	0.21	1.02	0.69
Total Liabilities	14	15	17	18	19	20	21	27	35	35
Fixed Assets	0.06	0.14	0.17	0.09	0.07	0.05	0.05	0.04	0.03	0.13
CWIP	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Investments	0.00	0.00	0.00	0.19	0.14	0.01	0.01	0.06	0.06	0.06
Other Assets	14	15	17	18	19	20	21	27	35	34
Total Assets	14	15	17	18	19	20	21	27	35	35

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	0.18	0.15	1.89	-3.18	0.09	0.07	0.81	-2.86	-6.75	2.99
Cash from Investing Activity	-0.03	-0.10	-0.21	-0.02	-0.02	-0.01	-0.04	-0.07	-0.02	-0.15
Cash from Financing Activity	-0.18	0.00	1.15	0.45	-0.15	-0.13	-0.01	5.23	4.32	-3.16
Net Cash Flow	-0.03	0.05	2.83	-2.75	-0.08	-0.08	0.76	2.31	-2.45	-0.32

Oscillators

BearishNeutralBullish

Bullish

Bearish

Neutral

Bullish

Overall

BearishNeutralBullish

Bullish

Bearish

Neutral

Bullish

Moving Averages

BearishNeutralBullish

Bullish

Bearish

Neutral

Bullish

Overall

BearishNeutralBullish

Bullish

Bearish

Neutral

Bullish

Overview

Detailed Summary

Gilada Finance & Investments Ltd. is a financial services company specializing in vehicle financing, small business loans, and mortgage loans.

The company is part of the GITA Group and has a legacy in the finance sector since its incorporation in 1994.

Under the leadership of Mr. Rajgopal Gilada, the company navigated significant historical challenges like the early 2000s global recession, maintaining performance.

Gilada Finance focuses on providing accessible lending solutions to individuals and small businesses, powering growth and development in its target markets.

Sector

Finance

Industry

NBFC-Others

Market Cap

21 Cr

Volatility

Low Risk

P/E Ratio

9.5

Industry P/E

34.5

PEG Ratio

0.6

P/B Ratio

1.0

52W High

23.80

52W Low

9.30

Sales CAGR

8.32%

21.75%

14.39%

10Y

14.09%

Profit CAGR

25.29%

17.07%

17.92%

10Y

11.24%

ROE

TTM

8.55%

8.07%

7.29%

10Y

6.36%

ROCE

TTM

12.17%

11.13%

10.17%

10Y

9.08%

Peers

Symbol	Price	Market Cap	P/E	P/B	Div Yield (%)	ROE (%)	ROCE (%)	ROA (%)
GILADAFINS	14.89	21 Cr	9.54	0.96	0.00	8.55	12.17	5.94
TRADEWELL	66.67	20 Cr	10.75	2.65	0.00	24.65	7.33	7.50
TTIENT	7.80	20 Cr	33.91	0.69	0.00	2.06	2.24	1.97
RFLL	19.50	20 Cr	27.08	1.18	0.00	4.33	4.92	3.77
BHARAT	28.68	19 Cr	110.31	0.69	1.05	0.62	0.71	0.57
ABHIFIN	41.56	19 Cr	1039.00	3.16	0.00	0.31	1.18	0.00
CUBIFIN	2.94	19 Cr	98.00	1.26	0.00	1.08	2.81	1.02