Capital India Finance Limited share price
Capital India Finance Limited, a non-banking finance company, engages in the lending and forex businesses in India. The company provides small business finance, which includes secured loans, and equipment and supply chain finance products; and retail finance comprising loans against property. It operates RapiPay solutions, including assisted payment services and POS solutions; and RemitX that offers retail foreign exchange products and services, including foreign currency notes, overseas remittances, foreign currency prepaid travel card, and import and export of foreign currency notes. The company was formerly known as Bhilwara Tex-Fin Limited and changed its name to Capital India Finance L…Read more
- Market Cap₹ 745 Cr.
- Current Price₹ 19.06
- High / Low₹ 40 / 19
- Stock P/E19.3
- Book Value₹ 17
- Dividend Yield0.00 %
- Price / Book1.11
- ROE6.00 %
- Face Value₹ 2.0
More figures (8)
- EPS (TTM)₹ 0.99
- Net margin7.8 %
- Sales growth (4Y)-7.4 %
- Profit growth (4Y)—
- Promoter holding92.7 %
- EV / EBITDA65.9
- Beta0.57
- All-time high₹ 45
Price chart
| Returns | 1M | 3M | 6M | YTD | 1Y | 3Y CAGR | 5Y CAGR |
|---|---|---|---|---|---|---|---|
| CIFL | -5.64% | -13.72% | -29.77% | -45.81% | -45.36% | — | — |
| Nifty 50 | -0.31% | -3.85% | -4.34% | -11.42% | -9.53% | +5.46% | +4.76% |
Price returns only (dividends not included). Prices from NSE via Yahoo Finance; may be delayed.
Quick take
- Capital India Finance Limited is in the Credit Services industry (Financial Services), with a market value of ₹745 crore.
- It trades at 19.3 times its last 12 months' earnings and 1.1 times book value.
- Revenue grew -7.4% a year over the last 4 years.
- Return on equity was 6.0% in the latest year.
- The share price is 52.0% below its 52-week high and down 45.4% over one year.
- Promoters and insiders hold about 92.7%; institutions about 0.0%.
Pros
AI- Trades at 19.3 times earnings, below its 3-year median of 812.3.
- Promoters hold a large stake of 72.59%.
Cons
AI- Return on equity has been low: 2.7% on average over the last 3 years.
Pros and cons are generated automatically from the reported figures. They are observations, not a recommendation to buy or sell.
AI analysis
Plenitude AI reads the figures on this page and explains them in plain language. It does not say whether to buy or sell.
About Capital India Finance Limited
Capital India Finance Limited, a non-banking finance company, engages in the lending and forex businesses in India. The company provides small business finance, which includes secured loans, and equipment and supply chain finance products; and retail finance comprising loans against property. It operates RapiPay solutions, including assisted payment services and POS solutions; and RemitX that offers retail foreign exchange products and services, including foreign currency notes, overseas remittances, foreign currency prepaid travel card, and import and export of foreign currency notes. The company was formerly known as Bhilwara Tex-Fin Limited and changed its name to Capital India Finance Limited in August 2017. Capital India Finance Limited was incorporated in 1994 and is headquartered in Mumbai, India. Capital India Finance Limited operates as a subsidiary of Capital India Corp Llp.
- Employees
- 894
- Head office
- Mumbai
Peer comparison
Financial ServicesCredit Services
| S.No. | Company | CMP ₹ | P/E | Mar Cap ₹ Cr | Div Yld % | NP Qtr ₹ Cr | Qtr Profit Var % | Sales Qtr ₹ Cr | Qtr Sales Var % | ROCE % | ROE % | P/B | OPM % | Debt / Eq | Prom. Hold. % | Sales ₹ Cr | Sales Var 3Yrs % |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 1. | Capital India Finance | 19.06 | 19.3 | 745 | 0.00 | -10 | — | 128 | -8.62 | 3.4 | 6.0 | 1.11 | -8.6 | 1.43 | 92.68 | 528 | -7.4 |
| 2. | Bajaj Finance | 982.10 | 29.4 | 6,11,250 | 0.56 | 5,986 | 27.37 | 14,171 | 21.20 | — | 18.1 | 5.36 | — | 3.10 | 56.50 | 49,665 | 22.6 |
| 3. | Shriram Finance | 939.95 | 16.6 | 2,21,178 | 1.14 | 3,453 | 61.06 | 7,923 | 30.61 | — | 16.4 | 2.68 | — | 2.76 | 22.17 | 25,034 | 13.9 |
| 4. | Tata Capital | 322.80 | 25.3 | 1,36,115 | 0.18 | 1,628 | — | 8,822 | — | 3.7 | 12.3 | 2.97 | 28.9 | 4.97 | 85.96 | 31,540 | 34.5 |
| 5. | Cholamandalam Investment and Finance Company | 1,574.40 | 23.3 | 1,35,007 | 0.13 | 1,656 | 45.56 | 8,856 | 21.87 | — | 19.3 | 4.40 | — | 6.95 | 51.95 | 31,073 | 32.8 |
| 6. | Power Finance Corporation | 333.25 | 4.2 | 1,09,976 | 4.56 | 8,998 | 0.18 | 28,527 | -0.04 | — | 20.7 | 0.77 | — | 7.62 | 56.00 | 1,15,444 | 16.2 |
| 7. | Indian Railway Finance Corporation | 80.25 | 14.2 | 1,04,875 | 2.66 | 1,958 | -44.40 | 7,866 | -40.80 | 3.8 | 12.8 | 1.85 | 64.8 | 7.69 | 82.90 | 27,285 | 4.6 |
| 8. | Muthoot Finance | 2,598.30 | 9.2 | 1,04,314 | 1.15 | 2,799 | 38.83 | 5,236 | 27.38 | — | 30.9 | 2.57 | — | 3.86 | 73.35 | 20,265 | 38.0 |
| 9. | REC | 307.80 | 5.1 | 81,051 | 4.39 | 4,193 | -2.72 | 4,430 | -31.54 | — | 20.0 | 0.96 | — | 6.05 | 52.65 | 21,834 | 14.4 |
| 10. | L&T Finance | 253.85 | 18.6 | 63,625 | 1.05 | 902 | 41.86 | 3,086 | 32.29 | — | 11.1 | 2.26 | — | 3.94 | 65.95 | 10,635 | 17.7 |
| Median: 37 Co. | 328.03 | 15.5 | 26,266 | 0.18 | 2,379 | 33.10 | 7,895 | 21.20 | 3.7 | 12.6 | 1.90 | 30.6 | 4.46 | 61.23 | 26,159 | 17.7 |
Companies in the same industry; the median covers every company in it that we hold figures for. Tap a heading to sort. Sorting and comparing are ways to explore data, not recommendations.
Quarterly Results
Consolidated figures in ₹ croreStandalone figures in ₹ crore /
Source: the company's results filed with NSE, as reported. Tap a row marked + for its breakdown. Latest quarter on the right.
Profit & Loss
Consolidated figures in ₹ croreStandalone figures in ₹ crore /
Projection — your assumptions
Starts from the last four reported quarters (TTM) and applies the figures you enter; growth is pre-filled with the company's own past sales growth. This is a what-if calculator for illustration, not a forecast, estimate or recommendation.
Related party transactions
Related-party transactions are dealings with promoters, directors, subsidiaries and associates. Companies disclose them to the exchanges every half-year and in detail in the notes to their annual report.
No separate related-party filing among the recent announcements of the company.
Full details: notes to the Financial Year 2026 annual report (related party disclosures).
| ₹ Cr | Mar 2025 | Mar 2026 | TTM |
|---|---|---|---|
| 615 | 528 | 531 | |
| YOY Revenue Growth % | -14.09% | ||
| Interest | 107 | 84 | 89 |
| 521 | 519 | 519 | |
| Employee Cost % | 24% | 25% | 26% |
| Fees & Commission % | 40% | 43% | 41% |
| Credit Cost % | 1% | 7% | 6% |
| Other Expenses % | 14% | 17% | 19% |
| Financing Profit | -13 | -74 | -77 |
| Financing Margin % | -2% | -14% | -15% |
| 4 | 5 | 5 | |
| Exceptional items | 106 | 106 | |
| Depreciation | 32 | 31 | 31 |
| Profit before tax | -9 | 37 | 34 |
| 14% | 18% | ||
| Current tax | 2 | 8 | |
| Deferred tax | -0 | -3 | |
| -10 | 31 | 27 | |
| Minority share | -12 | -8 | -12 |
| Profit to shareholders | 2 | 39 | 38 |
| EPS in Rs | 0.04 | 0.99 | 0.99 |
| Dividend Payout % | 50% | 2% |
Compounded Sales Growth
- TTM:
- -5%
Compounded Profit Growth
- TTM:
- -14%
Stock Price CAGR
- 1 Year:
- -45%
Return on Equity
- 4 Years:
- 0%
- Last Year:
- 6%
| ₹ Cr | Mar 2025 | Mar 2026 | TTM |
|---|---|---|---|
| 183 | 227 | 236 | |
| YOY Revenue Growth % | 23.76% | ||
| Interest | 71 | 82 | 88 |
| 100 | 200 | 199 | |
| Employee Cost % | 35% | 37% | 37% |
| Credit Cost % | 2% | 16% | 13% |
| Other Expenses % | 12% | 31% | 30% |
| Financing Profit | 12 | -55 | -51 |
| Financing Margin % | 6% | -24% | -22% |
| 1 | 3 | 3 | |
| Exceptional items | 98 | 98 | |
| Depreciation | 9 | 9 | 10 |
| Profit before tax | 13 | 45 | 50 |
| 9% | 11% | 12% | |
| Current tax | 2 | 8 | |
| Deferred tax | -0 | -3 | |
| 12 | 40 | 44 | |
| YOY Profit Growth % | 242.57% | ||
| EPS in Rs | 0.30 | 1.03 | 1.14 |
| Dividend Payout % | 7% | 2% |
Compounded Sales Growth
- TTM:
- 23%
Compounded Profit Growth
- TTM:
- 14%
Stock Price CAGR
- 1 Year:
- -45%
Return on Equity
- 4 Years:
- 0%
- Last Year:
- 6%
Financial years ending March; TTM = the last four quarters. Source: the company's results filed with NSE, as reported. Tap a row marked + for its breakdown. Dividend payout = dividends paid in the year ÷ net profit.
Balance Sheet
Consolidated figures in ₹ crore, as at 31 March
| ₹ Cr | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|
| Equity Capital | 78 | 78 | 78 | 78 |
| Reserves | 528 | 545 | 550 | 595 |
| 924 | 899 | 996 | 961 | |
| Long term borrowings | 525 | 536 | 588 | 551 |
| Short term borrowings | 371 | 348 | 384 | 380 |
| 265 | 279 | 228 | 211 | |
| Trade payables | 15 | 15 | 16 | 15 |
| Minority interest | 51 | 37 | 25 | 17 |
| Current liabilities | 588 | 591 | 588 | 577 |
| Total Liabilities | 1,795 | 1,801 | 1,853 | 1,846 |
| 48 | 32 | 37 | 39 | |
| Gross block | 91 | 84 | 101 | 84 |
| Accumulated depreciation | 43 | 52 | 64 | 45 |
| Goodwill & intangibles | 69 | 72 | 61 | 46 |
| CWIP | 0 | 0 | ||
| 1,747 | 1,768 | 1,816 | 1,806 | |
| Inventories | 1 | 1 | 1 | 1 |
| Trade receivables | 18 | 7 | 12 | 8 |
| Cash & equivalents | 239 | 229 | 158 | 215 |
| Current assets | 694 | 642 | 696 | 824 |
| Total Assets | 1,795 | 1,801 | 1,853 | 1,846 |
Source: Yahoo Finance (compiled from the annual reports). Tap a row marked + for its breakdown.
Cash Flows
Consolidated figures in ₹ crore, financial years ending March
| ₹ Cr | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|
| -23 | 121 | -93 | -254 | |
| Profit for the year | -42 | 12 | 2 | 39 |
| Working capital changes | -95 | 0 | -104 | -230 |
| Direct taxes paid | -5 | -1 | 1 | -19 |
| -16 | 1 | -61 | 98 | |
| Fixed assets purchased | -51 | -22 | -10 | -5 |
| Fixed assets sold | 0 | 0 | 0 | 0 |
| Investments purchased | -849 | |||
| Investments sold | 785 | |||
| 80 | -124 | 79 | 226 | |
| Proceeds from borrowings | 267 | |||
| Repayment of borrowings | -57 | |||
| Interest paid | -76 | -100 | -104 | |
| Dividends paid | -1 | -1 | -1 | -1 |
| Net Cash Flow | 41 | -2 | -75 | 70 |
| Free Cash Flow | -74 | 99 | -104 | -260 |
Free cash flow = cash from operations − capital expenditure. Source: Yahoo Finance.
Ratios
| Ratio | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|---|
| ROE | — | -6.9% | 1.9% | 0.2% | 6.0% |
| Net margin | — | -6.6% | 1.8% | 0.3% | 7.8% |
Computed from the reported statements: ROE on average equity; ROCE = EBIT / (total assets − current liabilities). Debtor days = receivables ÷ sales × 365; inventory and payable days use cost of goods sold; cash conversion cycle = debtor + inventory − payable days; working capital days = (current assets − current liabilities) ÷ sales × 365.
Shareholding Pattern
Numbers in percentages · as filed with NSE each quarter
- Promoters 72.59%
- FIIs 0.02%
- DIIs 0.03%
- Public 27.37%
| % | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 | Jun 2026 | Sep 2026 |
|---|---|---|---|---|---|---|---|
| Promoters | 72.95% | 72.87% | 72.84% | 72.59% | 72.59% | 72.59% | 72.59% |
| 0.13% | 0.28% | 0.08% | 0.06% | 0.03% | 0.02% | 0.02% | |
| Foreign portfolio investors (Cat. I) | 0.22% | 0.08% | 0.06% | 0.03% | 0.02% | 0.01% | |
| Foreign portfolio investors (Cat. II) | 0.13% | 0.06% | |||||
| 0.03% | 0.03% | ||||||
| Alternative investment funds | 0.03% | 0.03% | |||||
| 26.92% | 26.85% | 27.08% | 27.35% | 27.38% | 27.36% | 27.37% | |
| Retail (up to ₹2 lakh) | 2.11% | 2.42% | 2.64% | 2.69% | 2.71% | 2.65% | 2.65% |
| HNIs (above ₹2 lakh) | 0.76% | 0.79% | 0.94% | 1.04% | 1.62% | 1.63% | 1.54% |
| NRIs | 0.06% | 0.08% | 0.13% | 0.13% | 0.13% | 0.16% | 0.17% |
| Bodies corporate | 23.63% | 23.24% | 22.94% | 22.69% | 22.43% | 22.41% | 22.48% |
| No. of Shareholders | 3,740 | 5,095 | 7,056 | 7,434 | 7,880 | 8,216 | 8,240 |
Source: shareholding patterns filed by the company with NSE. Public = non-institutional holders. Tap a row marked + for its breakdown.
Documents
Announcements
- Certificate under SEBI (Depositories and Participants) Regulations, 2018Capital India Finance Limited has submitted with the Exchange Certificate under SEBI (Depositories and Participants) Regulations, 201815-Oct-2026
- UpdatesCapital India Finance Limited has submitted with the Exchange regarding 'Statement on ISIN of Debt Securities14-Oct-2026
- General UpdatesCapital India Finance Limited has informed the Exchange about Authorisation of Key Managerial Personnel(s) for determination of Materiality of event or information and disclosure …05-Oct-2026
- Change in ManagementCapital India Finance Limited has informed the Exchange about change in Management05-Oct-2026
- Change in Company Secretary/Compliance OfficerCapital India Finance Limited has informed the Exchange about appointment of Company Secretary & Compliance Officer05-Oct-2026
- Outcome of Board MeetingCapital India Finance Limited has informed the Exchange regarding Outcome of Board Meeting held on October 05, 2026.05-Oct-2026
- Press ReleaseCapital India Finance Limited has informed the Exchange regarding a press release dated September 29, 2026, titled "Capital India Finance Limited raised INR 100 Crore through the …29-Sep-2026
- General UpdatesCapital India Finance Limited has informed the Exchange regarding allotment of Non-Convertible Debentures of INR 100 Crores raised through Private Placement basis29-Sep-2026
- Trading WindowCapital India Finance Limited has informed the Exchange regarding the Trading Window closure pursuant to SEBI (Prohibition of Insider Trading) Regulations, 201528-Sep-2026
- Issue of SecuritiesCapital India Finance Limited has informed the Exchange about issue of Securities of Non-Convertible Debentures on private placement basis.16-Sep-2026
- Resignation of Director/KMP/SMPCapital India Finance Limited has informed the Exchange about Resignation of Director/KMP/SMP08-Sep-2026
- Change in ManagementCapital India Finance Limited has informed the Exchange about resignation of Chief Compliance Officer & Company Secretary of the Company07-Sep-2026
Annual reports
Credit ratings
- Credit Rating- NewCapital India Finance Limited has informed the Exchange about Credit Rating assigned for the Proposed Non-Convertible Debentures18-Sep-2026
- Credit Rating- RevisionCapital India Finance Limited has informed the Exchange about Revision in Credit Rating.19-Mar-2026
- Credit RatingCapital India Finance Limited has informed the Exchange about Credit Rating30-Sep-2025
Filings made by the company with NSE; documents open on NSE's website.
Key dates
- Ex-dividend date
- 19 Sep 2025
- Latest quarter
- 30 Jun 2026
- Financial year end
- 31 Mar 2026
Trade with our broking desk
Open a trading & demat account through Parshvanath Investments, Authorised Person of Master Capital Services Ltd (SEBI Reg. INZ000210539; NSE AP0153037862, BSE AP01095201177059). Execution and service only: no tips or research.
Latest news
From the company (NSE)
- Certificate under SEBI (Depositories and Participants) Regulations, 2018Capital India Finance Limited has submitted with the Exchange Certificate under SEBI (Depositories and Participants) Regulations, 2018NSE filing · 15-Oct-2026
- UpdatesCapital India Finance Limited has submitted with the Exchange regarding 'Statement on ISIN of Debt SecuritiesNSE filing · 14-Oct-2026
- General UpdatesCapital India Finance Limited has informed the Exchange about Authorisation of Key Managerial Personnel(s) for determination of Materiality of event or information and disclosure …NSE filing · 05-Oct-2026
- Change in ManagementCapital India Finance Limited has informed the Exchange about change in ManagementNSE filing · 05-Oct-2026
- Change in Company Secretary/Compliance OfficerCapital India Finance Limited has informed the Exchange about appointment of Company Secretary & Compliance OfficerNSE filing · 05-Oct-2026
- Outcome of Board MeetingCapital India Finance Limited has informed the Exchange regarding Outcome of Board Meeting held on October 05, 2026.NSE filing · 05-Oct-2026
- Press ReleaseCapital India Finance Limited has informed the Exchange regarding a press release dated September 29, 2026, titled "Capital India Finance Limited raised INR 100 Crore through the …NSE filing · 29-Sep-2026
- General UpdatesCapital India Finance Limited has informed the Exchange regarding allotment of Non-Convertible Debentures of INR 100 Crores raised through Private Placement basisNSE filing · 29-Sep-2026
Headlines from news publishers (via Google News) and the filings of the company with NSE; they open on the source website. Headlines with price targets or buy/sell calls are left out. News is for information only and is not a recommendation.
Questions about Capital India Finance Limited
What is the share price of Capital India Finance Limited today?
What is the market cap of Capital India Finance Limited?
What is the P/E ratio of Capital India Finance Limited?
Is Capital India Finance Limited a good investment?
How can I buy Capital India Finance Limited shares?
Have a question about this topic?
Tell us a little about your situation and an expert will call you back, usually within 2 hours on business days.
Book your free wealth consultation
- 100% free
- No obligation
- Reply within 2 hours
Request received!
Thank you for trusting Plenitude Connect. An expert will contact you shortly. Please check your inbox for details.