Overview

Detailed Summary

Ramchandra Leasing and Finance Ltd (RLFL) focuses on hire purchase, bill discounting, investments and inter-corporate deposits, providing financial solutions through loans to corporate entities.
Incorporated in 1993, the company transitioned from a private limited to a public limited entity by 1996, strengthening its capital base through a public issue and promoter contribution.
RLFL ensures compliance with Reserve Bank of India guidelines for non-banking financial companies, aligning with industry standards for income recognition and asset classification.
Despite its niche in financial services, RLFL's scale is modest with an initial capital raise designed to meet operational funding requirements amounting to Rs. 511 Lacs.
The company operates mainly in Gujarat, as indicated by its origins and initial registration, with growth likely anchored in regional opportunities.

Sector: Finance
Industry: Non Banking Financial Company (NBFC)
Market Cap: 117 Cr
Volatility: Low Risk
P/E Ratio: 38.2
Industry P/E: 17.7
PEG Ratio: 0.0
P/B Ratio: 4.0
52W High: 16.26
52W Low: 2.80

Sales CAGR

1Y: -17.39%
3Y: -9.81%
5Y: -9.43%
10Y: -0.70%

Profit CAGR

1Y: —
3Y: -3.90%
5Y: -5.29%
10Y: -3.28%

ROE

TTM: 11.04%
3Y: 0.27%
5Y: 0.27%
10Y: 0.45%

ROCE

TTM: 12.19%
3Y: 0.29%
5Y: 0.29%
10Y: 0.59%

Technicals

‌

Forecasts

Peers

Financial Services Financial Services Finance

Symbol	Watchlist	Price	Market Cap	P/E	P/B	Div Yield (%)	ROE (%)	ROCE (%)	ROA (%)
KIFS		113.55	129 Cr	16.16	2.03	1.30	12.60	7.63	1.77
APOLLOFI		315.30	118 Cr	16.91	1.58	0.00	7.72	11.87	6.64
RLFL		14.45	117 Cr	38.22	3.99	0.00	11.04	12.19	6.96
INDUSFINL		118.90	112 Cr	56.16	4.89	0.49	10.46	17.02	5.80
VGCL		47.20	112 Cr	6.42	0.67	1.33	10.47	10.68	7.35
TITANSEC		43.66	110 Cr	8.81	1.03	0.00	11.72	1.12	0.79
KREONFIN		59.31	109 Cr	15.04	3.02	0.00	20.12	16.55	9.47
Median: 7 Co.	—	59.31	112 Cr	16.16	2.03	0.00	11.04	11.87	6.64

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	0.06	0.36	0.11	0.07	0.16	0.03	0.17	0.17	2.09	9.63
Expenses	0.06	0.35	0.11	0.07	0.16	0.02	0.16	0.01	1.67	6.01
Interest	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.10
Financing Profit	0.00	0.01	0.00	0.00	0.00	0.01	0.01	0.16	0.42	3.52
Financing Margin %	0.00	2.78	0.00	0.00	0.00	33.33	5.88	94.12	20.10	36.55
Other Income	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.01	0.06
Depreciation	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.06
Profit Before Tax	0.00	0.02	0.00	0.00	0.00	0.01	0.00	0.16	0.43	3.52
Tax %	—	0.00	—	—	—	0.00	—	25.00	27.91	25.28
Net Profit	0.00	0.01	0.00	0.00	0.00	0.01	0.00	0.12	0.31	2.63
EPS in Rs	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.04	0.14
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	0.31	0.34	0.53	0.62	0.58	0.51	0.47	0.46	0.38	0.43
Expenses	0.24	0.31	0.45	0.58	0.55	0.49	0.45	0.44	0.36	0.41
Interest	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Financing Profit	0.07	0.04	0.08	0.04	0.03	0.02	0.02	0.02	0.02	0.02
Financing Margin %	23.00	10.86	14.94	6.28	5.04	3.59	4.04	4.00	4.41	4.65
Other Income	0.02	0.02	0.02	0.01	0.00	0.00	0.00	0.00	0.00	NaN
Depreciation	0.02	0.02	0.02	0.02	0.02	0.00	0.00	0.00	0.00	0.00
Profit Before Tax	0.07	0.04	0.08	0.03	0.01	0.02	0.02	0.02	0.02	0.01
Tax %	333.33	303.03	392.16	400.00	390.04	17,000.00	456.41	1,466.67	1,600.00	—
Net Profit	0.05	0.02	0.06	0.02	0.01	0.02	0.01	0.02	0.02	NaN
EPS in Rs	0.01	0.00	0.40	0.00	0.00	0.00	0.00	0.00	0.00	0.18
Dividend Payout %	—	—	—	—	—	—	—	—	—	—

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	5.12	5.12	5.12	5.12	5.12	5.12	5.12	5.12	5.12	5.12
Reserves	0.16	0.20	0.23	0.29	0.31	0.33	0.37	0.39	0.40	0.50
Borrowings	0.00	0.00	0.00	0.00	0.00	0.00	0.15	0.34	0.31	0.31
Other Liabilities	0.09	0.11	0.07	0.72	1.51	1.66	1.42	1.36	1.23	0.46
Total Liabilities	5.36	5.42	5.41	6.12	6.94	7.10	7.06	7.20	7.06	6.38
Fixed Assets	0.36	0.34	0.32	0.30	0.29	0.01	0.01	0.00	0.00	0.00
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	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Other Assets	5.00	5.08	5.09	5.82	6.65	7.09	7.06	7.20	7.05	6.38
Total Assets	5.36	5.42	5.41	6.12	6.94	7.10	7.06	7.20	7.06	6.38

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	-0.35	-0.46	-1.09	-0.47	-0.32	-0.08	0.11	-0.03	1.05	-0.43
Cash from Investing Activity	0.50	0.31	1.19	0.52	0.05	-0.19	0.04	-0.07	-0.98	0.70
Cash from Financing Activity	0.00	0.00	0.00	0.00	0.05	0.31	-0.18	0.19	-0.03	-0.25
Net Cash Flow	0.15	-0.15	0.10	0.05	-0.22	0.04	-0.02	0.09	0.04	0.02

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	11.50%	11.50%	11.50%	11.50%	11.50%	11.50%	11.50%	11.50%	11.50%	11.50%	54.93%	54.93%
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	0.01%	0.01%	0.01%	0.01%	0.01%	0.01%	0.01%	0.01%	0.01%	0.01%	0.00%	0.00%
Public	88.49%	88.49%	88.49%	88.49%	88.49%	88.49%	88.49%	88.49%	88.49%	88.49%	45.07%	45.07%
Total Shareholders	12,146	12,487	12,778	14,406	14,905	15,635	15,738	15,998	16,133	16,079	15,492	14,848

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Projection

Documents

Presentations

Concalls

Reports

Presentations

Investor Presentation

Q4 FY26

Actions

Action Type

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Announcements

Last 7 days

Newest

Sentiment

Website & Email Update

11 hours ago

Change of Website Domain and Official Email IDs

Raama Finance notifies change of website domain from 'snww.ramchandrafinance.com' to 'www.raamafinance.com', site to be down ~15 days, and updates official email to secretarial@raamafinance.com with other contact details.

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Frequently Asked Questions about Ramchandra Leasing and Finance Ltd

Ramchandra Leasing and Finance Ltd (RLFL) is currently trading at 14.45 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.

Ramchandra Leasing and Finance Ltd (RLFL) focuses on hire purchase, bill discounting, investments and inter-corporate deposits, providing financial solutions through loans to corporate entities. Incorporated in 1993, the company transitioned from a private limited to a public limited entity by 1996, strengthening its capital base through a public issue and promoter contribution. RLFL ensures compliance with Reserve Bank of India guidelines for non-banking financial companies, aligning with industry standards for income recognition and asset classification. Despite its niche in financial services, RLFL's scale is modest with an initial capital raise designed to meet operational funding requirements amounting to Rs. 511 Lacs. The company operates mainly in Gujarat, as indicated by its origins and initial registration, with growth likely anchored in regional opportunities.

Over the past 52 weeks, Ramchandra Leasing and Finance Ltd has traded between a low of ₹2.80 and a high of ₹16.26. 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.

Ramchandra Leasing and Finance Ltd has a market capitalization of approximately 116.95. 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.

Ramchandra Leasing and Finance Ltd’s investment profile depends on its business fundamentals, valuation, and long-term outlook. The stock currently trades at a PE ratio of 38.22 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 116.95 Cr, Ramchandra Leasing and Finance 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.

Ramchandra Leasing and Finance 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 Ramchandra Leasing and Finance Ltd is 38.22. 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.

Ramchandra Leasing And Finance Ltd

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