Capital India Finance share price & results
- Jun 2026
- Sept 2026
Delhi-based middle-layer NBFC offering secured MSME loan-against-property lending, a capital-light forex/cross-border remittance business (RemitX), and a 52.5%-owned fintech neo-bank subsidiary (RapiPay) for digital lending, payments and ca
Reported
The figures, each with its period
Each figure keeps its basis and period; nothing is filled in.
| Metric | Value | Change | Basis | Period | Note |
|---|---|---|---|---|---|
| Revenue | 128 | +4.2% YoY | Quarterly, as filed | Quarter to Jun 2026 | Revenue from operations as filed. |
| Operating margin | Operating profit / revenue | Quarter to Jun 2026 | Not in the filed figures for the quarter to jun 2026. No older figure is substituted. | ||
| Net profit | -9.6 | Quarterly, as filed | Quarter to Jun 2026 | Profit after tax as filed. The year-earlier figure was zero or a loss, so no percentage is shown. | |
| Return on equity | -9.28 | −8.4 pts | Trailing twelve months | TTM to Jun 2026 | Adjusted profit attributable to owners ÷ average owners’ equity. |
| Free cash flow margin | Fiscal year | FY ending Mar 2026 | Not in the analysed materials. No older figure is substituted. | ||
| Revenue growth (YoY) | -1.50 | +16.6 pts | Trailing twelve months | TTM to Jun 2026 | Revenue change against the same period one year earlier. |
Price
Performance −44.2% 1Y
1Y: ₹34.54 on 24 Oct 2025 → ₹19.26. High ₹38.53 (26 Dec 2025), low ₹16.06 (26 Oct 2026).
- Previous close
- ₹16.06
- Market cap
- ₹658 Cr
- 52-week range
- ₹16.06 – ₹38.53
- One year
- −44.99%
- Return on equity (TTM to Jun 2026)
- -9.28%
Overview
- Symbol
- NSE:CIFL
- Sector
- Financial Services
- Exchange
- NSE
- Currency
- INR
What Capital India Finance Limited does
Based on the company's own presentations, annual report and earnings calls.
Capital India Finance Limited (CIFL) is a credit institution that provides bespoke, asset-backed financial solutions to Micro, Small and Medium Enterprises (MSMEs) through a branch network, primarily via loan-against-property products (Prime LAP and Affordable LAP). It also runs a capital-light, fee-based forex and cross-border remittance business under the "RemitX" brand using its Authorized Dealer (AD II) licence. Separately, CIFL holds a 52.5% stake in fintech subsidiary RapiPay, a PPI-licensed neo-bank/Banking-as-a-Service platform offering digital unsecured business loans, cash-in/cash-out (CICO) services, QR/POS/PPI card payments, and mutual-fund investment distribution through a network of direct business outlets and merchants.
Segments
- Lending Business
- Forex Business
- Digital Banking & Payments (RapiPay)
- Lending branch network
- 46 branches across 9 states (FY26)
- Employees, lending business
- 894 (FY26)
- Lender/funding base
- 23 lenders — mix of PSBs, private banks, SFBs and NBFCs (FY26)
- Cumulative loans disbursed
- 80,519 loans given till 31 Mar 2025
- RapiPay distribution network
- ~730K Direct Business Outlets + 60K merchants onboarded
- RapiPay geographic coverage
- >17,500 pin codes (95% of India's pin codes), PAN India
Fundamentals
Ratios, each with its period
Current values with the period they cover; the trend reads across the 6 fiscal years held (Mar 2021 to Mar 2026).
Financials
What the filings say
Net profit, year on year: −71% (quarter to jun 2026 against jun 2025).
| Line item | Sept 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sept 2025 | Dec 2025 | Mar 2026 | Jun 2026 |
|---|---|---|---|---|---|---|---|---|
| Sales | 143 | 135 | 139 | 123 | 132 | 147 | 125 | 128 |
| Expenses | 121 | 110 | 109 | 101 | 159 | 124 | 102 | 104 |
| Operating profit | 22 | 35 | 31 | 22 | -27 | — | — | — |
| Operating margin | 15.0% | 23.0% | 22.0% | 18.0% | −21.0% | — | — | — |
| Other income | 4 | 1 | 2 | 0 | 106 | 1 | 3 | 1 |
| Interest | 17 | 19 | 28 | 20 | 20 | 22 | 22 | 25 |
| Depreciation | 8 | 8 | 8 | 8 | 8 | 8 | 7 | 8 |
| Profit before tax | 2 | -1 | -3 | -6 | 51 | -6 | -4 | -8 |
| Tax rate | 65.9% | 94.9% | −12.0% | 0.2% | 12.5% | −13.0% | −15.6% | 14.1% |
| Net profit | 1 | -2 | -3 | -6 | 45 | -5 | -3 | -10 |
| EPS (₹ per share) | 0.08 | 0.02 | -0.02 | -0.07 | 1.15 | -0.07 | 0 | -0.08 |
| Line item | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|
| Sales | 530 | 684 | 575 | 527 |
| Expenses | 499 | 567 | 473 | 486 |
| Operating profit | 13 | 116 | 113 | — |
| Other income | 7 | 17 | 8 | 110 |
| Interest | 75 | 102 | 88 | 84 |
| Depreciation | 21 | 30 | 32 | 31 |
| Profit before tax | -59 | 1 | -10 | 36 |
| Net profit | -60 | -6 | -10 | 31 |
| Line item | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Sept 2025 | Mar 2026 |
|---|---|---|---|---|---|---|
| Equity capital | 78 | 78 | 78 | 78 | 78 | 78 |
| Reserves | 543 | 528 | 545 | 550 | 594 | 595 |
| Borrowings | 764 | 924 | 899 | 996 | 700 | 961 |
| Other liabilities | 242 | 265 | 279 | 228 | 229 | 211 |
| Total liabilities | 1,626 | 1,795 | 1,801 | 1,853 | 1,601 | 1,846 |
| Fixed assets | 78 | 81 | 94 | 90 | 83 | 84 |
| Capital work in progress | 11 | 35 | 10 | 9 | 0 | 1 |
| Investments | 10 | 44 | 10 | 64 | 197 | 210 |
| Other assets | 1,528 | 1,634 | 1,687 | 1,691 | 1,321 | 1,550 |
| Total assets | 1,626 | 1,795 | 1,801 | 1,853 | 1,601 | 1,846 |
| Line item | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|---|---|
| Cash from operations | -69 | -313 | -23 | 121 | -93 | -254 |
| Cash from investing | -87 | -110 | -16 | 1 | -75 | 90 |
| Cash from financing | 231 | 480 | 80 | -124 | 79 | 226 |
| Net cash flow | 74 | 56 | 41 | -2 | -89 | 62 |
| Free cash flow | -81 | -347 | -74 | 99 | -103 | -260 |
| Line item | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|---|---|
| Return on equity | 2.0% | 0.0% | −7.0% | 1.0% | 0.0% | −9.0% |
| Dividend payout | 8.0% | −28.0% | −2.0% | 7.0% | −63.0% | 0.0% |
Where revenue comes from
The businesses behind the company’s reported revenue.
Lending business contributes 49.0% of reported segment revenue.
Quarter ended 30 Jun 2026 · Consolidated
- Lending business 49.0%
₹62.92 crore
- Prepaid Payment Instrument business 45.8%
₹58.90 crore
- Forex business 5.1%
₹6.61 crore
- Others <0.1%
₹0.10 crore
| Business segment | Revenue · ₹ crore | Share |
|---|---|---|
| Lending business | 62.92 | 49.0% |
| Prepaid Payment Instrument business | 58.90 | 45.8% |
| Forex business | 6.61 | 5.1% |
| Others | 0.10 | <0.1% |
Share = segment revenue ÷ total segment revenue, before intersegment adjustments.
How these numbers add up
- Total segment revenue
- ₹128.53 crore
- Intersegment adjustment
- ₹0.00 crore
- Net segment revenue
- ₹128.53 crore
Intersegment transactions are between the company’s own businesses. Net segment revenue can differ from income-statement revenue because reporting definitions differ.
Source: FinEdge · Last checked 19 Sept 2026. Reported segment names are kept as supplied.
How the mix has moved
Prepaid Payment Instrument business shrank from 58% to 46% of revenue over the last two years.
| Segment | Jun 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 | Jun 2026 | YoY growth latest quarter |
|---|---|---|---|---|---|---|---|---|---|
| Lending business | 37% | 43% | 42% | 43% | 35% | 38% | 46% | 49% | +3.3% |
| Prepaid Payment Instrument business | 58% | 53% | 54% | 52% | 60% | 57% | 49% | 46% | -19.4% |
| Forex business | 5% | 4% | 4% | 4% | 5% | 4% | 5% | 5% | +8.0% |
| Others | 0% | 0% | 0% | 0% | <1% | <1% | <1% | <1% | — |
Share of reported segment revenue by quarter, consolidated basis, as filed. A quarter the company did not report is left blank, never carried forward.
See how segments are shifting across companies → Segment Shift
Ownership
Who owns it
Promoters hold 72.59% as of Sept 2026; institutions cut 0.01 pts since Jun 2026.
- Promoters 72.59%
- Foreign institutions 0.01%
- Domestic institutions 0.03%
- Public 27.37%
Who is on the register
Named in the Sep 2026 filing
Every holder of Capital India Finance Limited above SEBI's 1% disclosure line, and what changed since Jun 2026.
| Holder | Stake | Change |
|---|---|---|
| 72.59% | unchanged | |
| 9.77% | unchanged | |
| 4.87% | unchanged | |
| 2.83% | unchanged | |
| 1.39% | unchanged | |
| 1.22% | unchanged |
A holder disappearing from this list has fallen below the 1% line — it is not necessarily a sale. Percentages are of total shares, as disclosed in the company's own filing. Who was buying across the market this quarter.
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