CIFL

Capital India Finance Limited

Capital India Finance Limited (CIFL) financial statements and selected valuation metrics through 30 June 2026.

Financial Services›Financial Services›Finance›Non Banking Financial Company (NBFC)

capitalindia.com(opens the company website in a new tab)
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Key metrics

Price as of 2026-10-16

Stock price
₹19.06
Market cap
745 Cr
Stock P/E
19.4
P/B
1.11
Dividend yield
0.1%
ROE (FY26)
5.6%

Full years shown; sign in free for the trailing twelve months. Learn about these metrics →

Price & valuation

Share price and valuation multiples (P/E, P/B and more) over time.

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Compare with peers

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What you need to know

CIFL (Capital India Finance) is a listed, middle-layer, non-deposit-taking non-banking finance company that makes secured loans to micro, small and medium businesses and retail customers through 46 branches in nine states.

Company snapshot

36thBy market cap

Ranked among 58 companies in Non Banking Financial Company (NBFC).

What we see

Concerns
  • ✗Operating cash flow is negative even though the company shows a profit — the business may not be generating real cash yet.
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Statement tables · Consolidated

Switches quarterly, P&L, balance sheet, and cash flow. Key metrics and ratios stay on consolidated when available.

Amounts in ₹ Cr · tap + to expand rows

Quarterly results

Quarterly · ₹ Cr · tap + rows to expand

MetricSept 2023Dec 2023Mar 2024Jun 2024Sept 2024Dec 2024Mar 2025Jun 2025Sept 2025Dec 2025Mar 2026Jun 2026
Net Interest Income27 Cr27 Cr32 Cr33 Cr33 Cr30 Cr26 Cr26 Cr20 Cr29 Cr32 Cr32 Cr
Other income2 Cr1 Cr3 Cr0.70 Cr2 Cr0.44 Cr2 Cr0.35 Cr0.74 Cr1 Cr3 Cr0.79 Cr
Net operating income30 Cr28 Cr35 Cr34 Cr34 Cr30 Cr28 Cr26 Cr20 Cr30 Cr35 Cr33 Cr
Employee cost41 Cr39 Cr35 Cr38 Cr38 Cr36 Cr34 Cr37 Cr32 Cr33 Cr38 Cr34 Cr
Other expenses21 Cr15 Cr30 Cr24 Cr24 Cr25 Cr20 Cr18 Cr16 Cr25 Cr27 Cr33 Cr
Provisions & contingencies————————————
Depreciation8 Cr8 Cr7 Cr8 Cr8 Cr8 Cr8 Cr8 Cr8 Cr8 Cr7 Cr8 Cr
Profit before tax-3 Cr-1 Cr-2 Cr-8 Cr2 Cr-0.92 Cr-3 Cr-5 Cr51 Cr-6 Cr-4 Cr-8 Cr
Tax %-102.9%-105.1%-71.8%15.4%75.5%-108.7%12.1%-16.8%11.9%13.1%15.6%-14.0%
Net profit-5 Cr-2 Cr-4 Cr-6 Cr0.60 Cr-2 Cr-3 Cr-6 Cr45 Cr-5 Cr-3 Cr-10 Cr
EPS (₹)₹0.01₹0.04₹0.10₹-0.21₹0.39₹0.09₹-0.02₹-0.07₹1.15₹-0.08₹0.00₹-0.08

Profit & loss (annual)

Annual · last column is TTM · ₹ Cr · tap + to expand

MetricMar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026TTM
Net Interest Income——91 Cr82 Cr94 Cr97 Cr111 Cr121 Cr104 CrSign in free for the trailing twelve months
Other income0.0001 Cr3 Cr0.02 Cr0.01 Cr2 Cr7 Cr8 Cr4 Cr5 CrSign in free for the trailing twelve months
Net operating income0.0001 Cr3 Cr91 Cr82 Cr96 Cr104 Cr118 Cr125 Cr109 CrSign in free for the trailing twelve months
Employee cost4 Cr22 Cr38 Cr55 Cr94 Cr184 Cr157 Cr147 Cr134 CrSign in free for the trailing twelve months
Other expenses7 Cr17 Cr13 Cr88 Cr179 Cr88 Cr84 Cr88 Cr87 CrSign in free for the trailing twelve months
Provisions & contingencies—————————Sign in free for the trailing twelve months
Depreciation0.43 Cr3 Cr12 Cr15 Cr21 Cr25 Cr30 Cr32 Cr31 CrSign in free for the trailing twelve months
Profit before tax4 Cr10 Cr24 Cr15 Cr-18 Cr-85 Cr1 Cr-9 Cr36 CrSign in free for the trailing twelve months
Tax %37.1%42.0%43.1%58.8%-17.8%-1.9%597.7%-15.0%15.2%Sign in free for the trailing twelve months
Net profit3 Cr6 Cr14 Cr6 Cr-21 Cr-87 Cr-6 Cr-10 Cr31 CrSign in free for the trailing twelve months
EPS (₹)₹7.96₹1.39₹2.22₹1.24₹-0.36₹-5.35₹1.50₹0.04₹0.99Sign in free for the trailing twelve months
Dividend payout %———0.0%————2.5%Sign in free for the trailing twelve months
Sign in free for the trailing twelve months

The latest four quarters added up, next to each full year

Balance sheet

Annual · ₹ Cr · tap + rows to expand

MetricMar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Equity capital—78 Cr78 Cr78 Cr78 Cr78 Cr78 Cr78 Cr78 Cr
Reserves—433 Cr443 Cr485 Cr543 Cr528 Cr545 Cr550 Cr595 Cr
Borrowings——122 Cr289 Cr728 Cr924 Cr899 Cr996 Cr961 Cr
Other liabilities—149 Cr69 Cr158 Cr205 Cr214 Cr242 Cr203 Cr194 Cr
Total liabilities—659 Cr717 Cr1,044 Cr1,626 Cr1,795 Cr1,801 Cr1,853 Cr1,846 Cr
Fixed assets (net)—17 Cr36 Cr44 Cr58 Cr22 Cr19 Cr14 Cr10 Cr
CWIP——0.42 Cr3 Cr0.0088 Cr0.15 Cr0.30 Cr0 Cr0 Cr
Investments—24 Cr9 Cr0 Cr0 Cr44 Cr10 Cr64 Cr210 Cr
Loans & advances——556 Cr685 Cr1,107 Cr1,236 Cr1,241 Cr1,296 Cr1,127 Cr
Inventories—0 Cr0.12 Cr3 Cr1 Cr0.57 Cr1 Cr0.98 Cr0.66 Cr
Trade receivables—0 Cr2 Cr7 Cr9 Cr18 Cr20 Cr12 Cr8 Cr
Cash & bank—29 Cr68 Cr142 Cr198 Cr239 Cr237 Cr162 Cr223 Cr
Other assets—589 Cr46 Cr160 Cr252 Cr235 Cr273 Cr305 Cr267 Cr
Total assets—659 Cr717 Cr1,044 Cr1,626 Cr1,795 Cr1,801 Cr1,853 Cr1,846 Cr

Cash flows

Annual · ₹ Cr · tap + rows to expand · last column includes FCF

MetricMar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Cash from operating activity-15 Cr-458 Cr30 Cr-69 Cr-313 Cr-21 Cr121 Cr13 Cr-254 Cr
Cash from investing-11 Cr-29 Cr5 Cr-87 Cr-110 Cr-19 Cr1 Cr-61 Cr98 Cr
Cash from financing-6 Cr495 Cr-17 Cr231 Cr480 Cr80 Cr-124 Cr-27 Cr217 Cr
Net cash flow-32 Cr8 Cr19 Cr74 Cr56 Cr41 Cr-2 Cr-75 Cr62 Cr
Free cash flow (OCF − Capex)-26 Cr-468 Cr24 Cr-81 Cr-349 Cr-72 Cr99 Cr2 Cr-260 Cr

Ratios

MetricMar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
ROE %—1.2%3.3%1.7%-0.4%-6.3%1.8%0.2%5.6%
Debt / equity—0.000.230.511.171.531.441.591.43