Tourism Finance Corporation of India Ltd

TFCILTD

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Market Cap

₹ 3,198 Cr

P/E

37.34

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Performance

MARKET LEADER

Valuation

OVERVALUED

Growth

SLUGGISH

Profitability

HIGH MARGIN

Technicals

Bearish

Risk

MODERATE RISK

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Price

PE Ratio

Price

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Overview

Detailed Summary

Tourism Finance Corporation of India Ltd. (TFCI) is a financial institution focusing on providing finance to the tourism sector and extending to real estate, manufacturing, and more.

TFCI has a strong foothold in hospitality financing but has expanded into sectors including solar energy and NBFC financing, signifying sectoral diversification.

TFCI's financials show consistent growth with net interest income re-reaching Rs. 68.39 crore during H1FY26, amidst a competitive lending environment.

The company's gross Non-Performing Loans (NPLs) significantly dropped to 0.22% in H1FY26, showcasing improved asset quality.

TFCI is actively pursuing inorganic growth opportunities through acquisitions in the financial services sector, indicating a dynamic growth strategy.

Sector

Finance

Industry

Finance - Term-Lending Institutions

Market Cap

3,198 Cr

Volatility

Low Risk

P/E Ratio

37.3

Industry P/E

8.3

PEG Ratio

5.5

P/B Ratio

3.1

52W High

75.94

52W Low

24.43

Sales CAGR

-1.65%

-0.34%

-0.86%

10Y

3.53%

Profit CAGR

5.70%

6.76%

5.08%

10Y

7.62%

ROE

TTM

8.95%

8.51%

8.89%

10Y

9.87%

ROCE

TTM

11.18%

10.42%

10.46%

10Y

10.57%

Technicals

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Forecasts

Peers

Symbol	Price	Market Cap	P/E	P/B	Div Yield (%)	ROE (%)	ROCE (%)	ROA (%)
RECLTD	342.60	90,214 Cr	5.22	1.08	5.25	20.68	9.59	2.70
HUDCO	214.95	43,031 Cr	15.35	2.39	1.93	15.54	7.94	1.88
IREDA	135.45	38,051 Cr	22.10	2.94	0.00	13.34	7.95	1.96
IFCI	48.60	13,084 Cr	34.44	1.48	0.00	4.28	10.77	2.68
TFCILTD	67.06	3,198 Cr	37.34	3.12	0.87	8.95	11.18	4.39
HARAFIN	88.97	1,848 Cr	—	8.24	0.00	-0.47	-0.67	-0.42
GUJSTATFIN	11.58	103 Cr	—	0.00	0.00	4.02	6.43	-55.33

Financial Statements

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Consolidated Quarterly Results (in ₹ Crores)

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Total Figures

QoQ Changes

Total Figures

	Mar 2021	Jun 2021	Sep 2021	Dec 2021	Mar 2022	Jun 2022	Sep 2022	Dec 2022
Revenue	60	66	66	62	61	63	58	51
Expenses	5.12	7.36	6.10	6.64	4.80	4.96	13	5.05
Interest	32	32	32	29	27	26	22	21
Financing Profit	22	27	28	26	29	32	22	25
Financing Margin %	37.50	40.56	41.95	42.06	47.64	50.78	38.39	48.57
Other Income	0.01	0.01	0.02	0.07	0.02	0.04	0.03	0.02
Depreciation	0.28	0.29	0.33	0.43	0.42	0.43	0.47	0.41
Profit Before Tax	22	26	27	26	29	31	22	24
Tax %	17.73	19.85	20.55	21.85	21.46	20.65	9.22	24.61
Net Profit	18	21	22	20	22	25	20	18
EPS in Rs	0.39	0.46	0.47	0.44	0.48	0.54	0.43	0.40
Gross NPA %	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

Consolidated Profit Loss (in ₹ Crores)

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Total Figures

YoY Changes

Total Figures

	Mar 2020	Mar 2021	Mar 2022	TTM
Revenue	263	258	254	232
Expenses	47	27	25	28
Interest	121	130	120	97
Financing Profit	95	101	109	108
Financing Margin %	36.23	39.05	42.97	46.40
Other Income	2.91	0.05	0.13	0.11
Depreciation	0.64	1.15	1.47	1.73
Profit Before Tax	97	100	108	106
Tax %	16.86	19.14	20.93	19.44
Net Profit	81	81	85	85
EPS in Rs	—	—	1.85	1.85
Dividend Payout %	0.00	8.00	11.99	—

Consolidated Balance Sheet (in ₹ Crores)

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Total Figures

YoY Changes

Total Figures

	Mar 2020	Mar 2021	Mar 2022
Equity Capital	81	81	90
Reserves	673	711	847
Borrowings	1,447	1,360	1,272
Other Liabilities	43	34	35
Total Liabilities	2,244	2,185	2,245
Fixed Assets	18	16	17
CWIP	0.00	0.00	0.22
Investments	218	159	165
Other Assets	2,008	2,010	2,062
Total Assets	2,244	2,185	2,245

Consolidated Cash Flows (in ₹ Crores)

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Total Figures

YoY Changes

Total Figures

	Mar 2020	Mar 2021	Mar 2022
Cash from Operating Activity	161	-171	139
Cash from Investing Activity	-0.63	-0.15	-2.09
Cash from Financing Activity	-22	-0.73	57
Net Cash Flow	139	-172	193

Shareholdings

Shareholding History

Quarterly

Yearly

Quarterly

	Mar 2023	Jun 2023	Sep 2023	Dec 2023	Mar 2024	Apr 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025
Promoters	17.96%	17.96%	17.96%	17.67%	8.04%	7.85%	7.85%	7.85%	3.85%	3.85%	3.85%	3.85%
FIIs	16.79%	16.30%	13.01%	13.88%	3.40%	2.94%	2.98%	2.79%	2.85%	3.44%	5.17%	4.61%
DIIs	0.00%	0.00%	0.00%	0.00%	0.03%	0.04%	0.05%	0.00%	0.00%	0.00%	0.08%	0.08%
Public	65.25%	65.74%	69.03%	68.44%	88.53%	89.18%	89.13%	89.36%	93.30%	92.71%	90.90%	91.46%
Total Shareholders	57,318	56,954	60,671	58,817	89,502	92,118	93,488	94,982	91,846	89,254	72,945	71,558

Market Transactions

Date	Party	Category	Type	Avg Price (₹)	Total Value (₹)	Quantity	Percent Traded
Nov 20, 2025	Unity associates	Bulk	Buy	66.14	16.21 Cr	24,51,581	0.52
Nov 20, 2025	Unity associates	Bulk	Sell	64.68	0.08 Cr	13,095	0.00
Oct 28, 2025	Unity associates	Bulk	Buy	70.22	8.77 Cr	12,48,309	0.26
Oct 28, 2025	Unity associates	Bulk	Sell	70.36	19.65 Cr	27,92,455	0.60
Oct 23, 2025	Unity associates	Bulk	Buy	71.08	17.10 Cr	24,06,000	0.51
Sep 19, 2025	Neo apex venture llp	Bulk	Buy	72.87	19.30 Cr	26,48,926	2.86
Sep 19, 2025	Neo apex venture llp	Bulk	Sell	72.53	15.59 Cr	21,49,084	2.32
Sep 16, 2025	Jainam broking limited	Bulk	Buy	362.02	17.87 Cr	4,93,528	0.53
Sep 16, 2025	Jainam broking limited	Bulk	Sell	361.81	0.14 Cr	3,751	0.00
Sep 06, 2025	Aditya kumar halwasiya	Insider - Director	Acquisition	379.42	45.53 Cr	12,00,000	1.29

Projection

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Documents

Presentations

Concalls

Reports

Presentations

Investor Presentation

Q2 FY26

Investor Presentation

Q1 FY26

Investor Presentation

Q4 FY25

Investor Presentation

Q3 FY25

Investor Presentation

Q2 FY25

Investor Presentation

Q4 FY24

Investor Presentation

Q3 FY24

Investor Presentation

Q1 FY24

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Overview

Detailed Summary

Tourism Finance Corporation of India Ltd. (TFCI) is a financial institution focusing on providing finance to the tourism sector and extending to real estate, manufacturing, and more.

TFCI has a strong foothold in hospitality financing but has expanded into sectors including solar energy and NBFC financing, signifying sectoral diversification.

TFCI's financials show consistent growth with net interest income re-reaching Rs. 68.39 crore during H1FY26, amidst a competitive lending environment.

The company's gross Non-Performing Loans (NPLs) significantly dropped to 0.22% in H1FY26, showcasing improved asset quality.

TFCI is actively pursuing inorganic growth opportunities through acquisitions in the financial services sector, indicating a dynamic growth strategy.

Sector

Finance

Industry

Finance - Term-Lending Institutions

Market Cap

3,198 Cr

Volatility

Low Risk

P/E Ratio

37.3

Industry P/E

8.3

PEG Ratio

5.5

P/B Ratio

3.1

52W High

75.94

52W Low

24.43

Sales CAGR

-1.65%

-0.34%

-0.86%

10Y

3.53%

Profit CAGR

5.70%

6.76%

5.08%

10Y

7.62%

ROE

TTM

8.95%

8.51%

8.89%

10Y

9.87%

ROCE

TTM

11.18%

10.42%

10.46%

10Y

10.57%

Peers

Symbol	Price	Market Cap	P/E	P/B	Div Yield (%)	ROE (%)	ROCE (%)	ROA (%)
RECLTD	342.60	90,214 Cr	5.22	1.08	5.25	20.68	9.59	2.70
HUDCO	214.95	43,031 Cr	15.35	2.39	1.93	15.54	7.94	1.88
IREDA	135.45	38,051 Cr	22.10	2.94	0.00	13.34	7.95	1.96
IFCI	48.60	13,084 Cr	34.44	1.48	0.00	4.28	10.77	2.68
TFCILTD	67.06	3,198 Cr	37.34	3.12	0.87	8.95	11.18	4.39
HARAFIN	88.97	1,848 Cr	—	8.24	0.00	-0.47	-0.67	-0.42
GUJSTATFIN	11.58	103 Cr	—	0.00	0.00	4.02	6.43	-55.33