Sera Investments & Finance India Ltd

SERA

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Market Cap

₹ 267 Cr

P/E

—

Turned 1 L into 11.67 L in last 5 Years

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Investment Checklist

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Performance

STEADY PERFORMER

Valuation

UNDERVALUED

Growth

STABLE

Profitability

MODERATE MARGIN

Technicals

Bullish

Risk

MODERATE RISK

Investment Checklist

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Price

PE Ratio

Price

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Overview

Detailed Summary

Sera Investments & Finance India Limited, formerly known as Kapashi Commercial Limited, is an RBI-registered Non-Banking Financial Company (NBFC).

The company specializes in providing unsecured loans to Micro, Small and Medium Enterprises (MSMEs) with quick approval and disbursal processes, bypassing traditional hurdles.

Sera Investments aims to digitally transform India's financing structure by offering online lending and capital advisory services to meet diverse customer needs.

The company has diversified into development and trading of ferrous and non-ferrous metals alongside its core financial services.

Its strategic advisory services guide clients on capital optimization, market positioning, and investor communications.

Sector

Finance

Industry

NBFC-Others

Market Cap

267 Cr

Volatility

Low Risk

P/E Ratio

—

Industry P/E

34.5

PEG Ratio

—

P/B Ratio

0.7

52W High

49.94

52W Low

25.61

Sales CAGR

-49.32%

56.10%

76.87%

10Y

—

Profit CAGR

-85.84%

—

92.42%

10Y

25.82%

ROE

TTM

-0.56%

1.69%

1.23%

10Y

1.37%

ROCE

TTM

-0.34%

2.90%

2.91%

10Y

3.18%

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 (%)
VAARAD	11.00	275 Cr	—	12.42	0.00	-0.79	-0.67	-0.60
STARTECK	274.95	272 Cr	16.18	1.07	0.09	6.27	7.27	2.76
SERA	40.74	267 Cr	—	0.66	0.00	-0.56	-0.34	-0.47
PURPLEFIN	48.80	263 Cr	—	2.42	0.00	-11.26	-5.35	-6.24
TEAMGTY	286.50	258 Cr	101.96	5.26	0.00	5.15	6.40	5.15
EMERALD	74.14	256 Cr	21.49	2.82	0.20	13.13	17.88	10.43
UYFINCORP	14.05	244 Cr	—	0.98	0.00	-0.27	-0.22	-0.21

Financial Statements

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Consolidated Quarterly Results (in ₹ Crores)

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Total Figures

QoQ Changes

Total Figures

	Mar 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025
Revenue	5.27	0.50	2.26	2.59	2.12
Expenses	0.30	5.58	0.28	1.90	0.44
Interest	0.23	0.41	0.50	0.40	0.49
Financing Profit	4.74	-5.49	1.48	0.29	1.19
Financing Margin %	89.94	-1,098.00	65.49	11.20	56.13
Other Income	0.00	0.00	0.00	0.00	-0.07
Depreciation	0.16	0.09	0.25	0.15	0.14
Profit Before Tax	4.58	-5.58	1.22	0.14	0.98
Tax %	24.24	5.38	-64.75	0.00	30.61
Net Profit	3.46	-5.28	2.01	0.14	0.68
EPS in Rs	0.25	-0.80	0.31	0.02	0.10
Gross NPA %	0.00	0.00	0.00	0.00	0.00
Net NPA %	0.00	0.00	0.00	0.00	0.00

Consolidated Profit Loss (in ₹ Crores)

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Total Figures

YoY Changes

Total Figures

	Mar 2024	Mar 2025
Revenue	23	12
Expenses	2.33	6.41
Interest	0.95	1.90
Financing Profit	20	3.28
Financing Margin %	85.66	28.27
Other Income	0.00	0.00
Depreciation	0.26	0.68
Profit Before Tax	19	2.60
Tax %	7.57	2.66
Net Profit	18	2.53
EPS in Rs	—	—
Dividend Payout %	2.87	0.00

Consolidated Balance Sheet (in ₹ Crores)

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Total Figures

YoY Changes

Total Figures

	Mar 2024	Mar 2025
Equity Capital	13	13
Reserves	56	281
Borrowings	19	20
Other Liabilities	1.98	67
Total Liabilities	91	380
Fixed Assets	1.18	2.88
CWIP	0.00	0.00
Investments	34	324
Other Assets	56	53
Total Assets	91	380

Consolidated Cash Flows (in ₹ Crores)

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Total Figures

YoY Changes

Total Figures

	Mar 2024	Mar 2025
Cash from Operating Activity	-7.49	9.66
Cash from Investing Activity	-5.53	-9.18
Cash from Financing Activity	13	0.52
Net Cash Flow	0.43	1.01

Shareholdings

Shareholding History

Quarterly

Yearly

Quarterly

	Mar 2023	Jun 2023	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	May 2025	Jun 2025	Sep 2025
Promoters	70.00%	70.00%	70.00%	70.00%	64.62%	56.05%	56.05%	56.05%	57.77%	57.36%	14.91%	14.80%
FIIs	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	14.68%	0.00%	0.00%	0.00%	16.22%	4.12%
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	30.00%	30.00%	30.00%	30.00%	35.38%	43.95%	29.27%	43.95%	42.23%	42.64%	68.87%	81.08%
Total Shareholders	778	12,088	9,961	9,200	8,875	8,193	7,851	9,399	9,250	9,271	8,808	8,715

Market Transactions

Date	Party	Category	Type	Avg Price (₹)	Total Value (₹)	Quantity	Percent Traded
Aug 18, 2025	Achintya securities pvt. ltd.	Bulk	Buy	36.25	1.26 Cr	3,48,405	0.53
Aug 18, 2025	Eriska investment fund ltd	Bulk	Sell	36.25	1.27 Cr	3,50,000	0.53
Aug 08, 2025	Mohamed irfan mohamed latif s...	Bulk	Buy	36.50	1.83 Cr	5,00,000	0.76
Jul 31, 2025	Alacrity securities limited	Bulk	Sell	35.22	1.28 Cr	3,63,450	0.55
Jul 31, 2025	Latin manharlal securities pv...	Bulk	Buy	35.21	1.21 Cr	3,44,726	0.53
Jul 29, 2025	Pine oak global fund	Bulk	Sell	35.00	3.50 Cr	10,00,000	1.53
Jul 22, 2025	Achintya securities pvt. ltd.	Bulk	Buy	34.83	0.00 Cr	500	0.00
Jul 22, 2025	Achintya securities pvt. ltd.	Bulk	Sell	35.01	1.19 Cr	3,39,977	0.51
Jul 21, 2025	Eriska investment fund ltd	Bulk	Sell	35.00	1.23 Cr	3,50,000	0.53
Jul 18, 2025	Patel rakesh rameshchandra huf	Bulk	Buy	35.00	1.49 Cr	4,25,000	0.64

Projection

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Announcements

Last 7 days

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Documents

Presentations

Concalls

Reports

Presentations

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Overview

Detailed Summary

Sera Investments & Finance India Limited, formerly known as Kapashi Commercial Limited, is an RBI-registered Non-Banking Financial Company (NBFC).

The company specializes in providing unsecured loans to Micro, Small and Medium Enterprises (MSMEs) with quick approval and disbursal processes, bypassing traditional hurdles.

Sera Investments aims to digitally transform India's financing structure by offering online lending and capital advisory services to meet diverse customer needs.

The company has diversified into development and trading of ferrous and non-ferrous metals alongside its core financial services.

Its strategic advisory services guide clients on capital optimization, market positioning, and investor communications.

Sector

Finance

Industry

NBFC-Others

Market Cap

267 Cr

Volatility

Low Risk

P/E Ratio

—

Industry P/E

34.5

PEG Ratio

—

P/B Ratio

0.7

52W High

49.94

52W Low

25.61

Sales CAGR

-49.32%

56.10%

76.87%

10Y

—

Profit CAGR

-85.84%

—

92.42%

10Y

25.82%

ROE

TTM

-0.56%

1.69%

1.23%

10Y

1.37%

ROCE

TTM

-0.34%

2.90%

2.91%

10Y

3.18%

Peers

Symbol	Price	Market Cap	P/E	P/B	Div Yield (%)	ROE (%)	ROCE (%)	ROA (%)
VAARAD	11.00	275 Cr	—	12.42	0.00	-0.79	-0.67	-0.60
STARTECK	274.95	272 Cr	16.18	1.07	0.09	6.27	7.27	2.76
SERA	40.74	267 Cr	—	0.66	0.00	-0.56	-0.34	-0.47
PURPLEFIN	48.80	263 Cr	—	2.42	0.00	-11.26	-5.35	-6.24
TEAMGTY	286.50	258 Cr	101.96	5.26	0.00	5.15	6.40	5.15
EMERALD	74.14	256 Cr	21.49	2.82	0.20	13.13	17.88	10.43
UYFINCORP	14.05	244 Cr	—	0.98	0.00	-0.27	-0.22	-0.21