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: Non Banking Financial Company (NBFC)
Market Cap: 19 Cr
Volatility: Low Risk
P/E Ratio: 8.8
Industry P/E: 18.8
PEG Ratio: 4.1
P/B Ratio: 0.9
52W High: 23.80
52W Low: 10.70

Sales CAGR

1Y: 8.32%
3Y: 21.75%
5Y: 14.39%
10Y: 14.09%

Profit CAGR

1Y: 25.29%
3Y: 17.07%
5Y: 17.92%
10Y: 11.24%

ROE

TTM: 8.31%
3Y: 8.07%
5Y: 7.29%
10Y: 6.36%

ROCE

TTM: 12.00%
3Y: 11.13%
5Y: 10.17%
10Y: 9.08%

Technicals

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Forecasts

Peers

Financial Services Financial Services Finance

Symbol	Watchlist	Price	Market Cap	P/E	P/B	Div Yield (%)	ROE (%)	ROCE (%)	ROA (%)
GSBFIN		32.90	20 Cr	—	1.40	0.00	-2.19	0.49	-2.25
GLOBALCA		0.49	20 Cr	—	0.44	0.00	-0.31	-0.75	-0.27
MARUTISE		39.00	20 Cr	26.90	0.00	0.00	-3.46	29.99	10.21
GILADAFINS		13.69	19 Cr	8.83	0.86	0.00	8.31	12.00	5.81
BAZELINTER		19.34	19 Cr	26.49	0.29	0.00	1.09	2.43	0.48
ASIACAP		61.06	19 Cr	138.77	3.57	0.00	2.57	3.44	2.44
MNPLFIN		22.40	19 Cr	—	0.00	0.00	2.41	-29.52	19.35
Median: 7 Co.	—	22.40	19 Cr	26.70	0.44	0.00	1.09	2.43	2.44

Financial Statements

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Standalone Quarterly Results (in ₹ Crores)

Total Figures

QoQ Changes

Total Figures

	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026
Revenue	1.82	1.48	1.67	1.60	1.71	1.79	1.67	1.73	1.91	1.88
Expenses	0.58	1.23	0.65	0.65	0.64	0.81	0.64	0.75	0.82	0.75
Interest	0.45	0.35	0.38	0.35	0.44	0.22	0.33	0.35	0.32	0.49
Financing Profit	0.79	-0.10	0.64	0.60	0.63	0.76	0.70	0.63	0.77	0.64
Financing Margin %	43.41	-6.76	38.32	37.50	36.84	42.46	41.92	36.42	40.31	34.04
Other Income	0.01	0.25	0.10	0.14	0.05	0.04	0.04	0.14	0.05	0.02
Depreciation	0.01	0.01	0.01	0.01	0.01	0.04	0.01	0.01	0.01	0.02
Profit Before Tax	0.80	0.15	0.73	0.74	0.67	0.76	0.73	0.76	0.81	0.63
Tax %	25.00	53.33	24.66	25.68	25.37	28.95	24.66	25.00	24.69	28.57
Net Profit	0.60	0.07	0.55	0.55	0.50	0.54	0.54	0.57	0.60	0.46
EPS in Rs	0.43	1.21	0.39	0.39	0.35	0.38	0.39	0.40	0.43	0.33
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	1.55
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

	Jun 2023	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026
Promoters	58.77%	58.77%	58.77%	58.77%	58.77%	58.77%	58.77%	58.77%	58.77%	58.77%	58.26%	58.26%
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%	41.74%	41.74%
Total Shareholders	5,553	5,661	5,520	5,576	5,583	5,802	6,063	6,043	5,916	5,887	5,794	5,670

Market Transactions

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Projection

Documents

Presentations

Concalls

Reports

Presentations

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Actions

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Announcements

Last 7 days

Newest

Sentiment

Joint Venture & NCDs

4 days ago

Board approves JV with HOLI, allots 5 NCDs and appoints internal auditor

Gilada Finance approved a strategic joint venture with Harley of London India (HOLI) under the HOLNESS ecosystem, authorized MD to execute agreements; allotted 5 NCDs (₹1,00,000 each) totalling ₹5,00,000 at 12.25% p.a. for 2 years; appointed Anand Boob & Associates as internal auditor for FY2026-27.

Board Meeting Outcome

4 days ago

Board approves strategic JV, NCD allotment & internal auditor

Board approved a strategic joint venture with Harley of London India (HOLI) and authorized MD Raigopal Gilada to execute agreements; allotted 5 NCDs aggregating Rs.500,000 at 12.25% p.a. for 2 years on private placement; appointed Anand Boob & Associates as internal auditor for FY2026-27.

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Frequently Asked Questions about Gilada Finance & Investments Ltd

Gilada Finance & Investments Ltd (GILADAFINS) is currently trading at 14.18 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 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.

Over the past 52 weeks, Gilada Finance & Investments Ltd has traded between a low of ₹10.70 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 19.23. 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 8.83 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 19.23 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 8.83. 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.

Gilada Finance Investments Ltd

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