| Metric | Value (₹ Cr) | Q3 FY26 | Q4 FY25 |
|---|---|---|---|
| Revenue | 125.15 | 14.9% | 10.2% |
| Total Income | 127.87 | 13.7% | 9.5% |
| Expenditure | 131.40 | 14.7% | 8.9% |
| PBT | -3.53 | 40.9% | 21.1% |
| Net Profit | -2.98 | 42.6% | 16.3% |
| OPM | 18.33% | 2.78pp | 3.85pp |
| NPM | -2.33% | 1.18pp | 0.52pp |
| EPS | 0.00 | 100.0% | 100.0% |
Capital India Finance FY26 PAT at ₹40.36 Cr, Up 243% YoY
20 May 2026 · 20 May, 7:42 pm
Summary
Capital India Finance Limited (CIFL) reported strong financial performance for the year ended March 31, 2026, with standalone Profit After Tax surging by 243% to ₹ 40.36 crore and total income growing 11% to ₹ 229.67 crore. The company saw significant growth in its Assets Under Management, up 22% to ₹ 1227.37 crore, propelled by a 62% increase in disbursements. On a consolidated basis, total revenue reached ₹ 532.84 crore, with the company achieving a Profit after Tax of ₹ 30.89 crore, a notable turnaround from a loss in FY25. Management emphasized a strategic recalibration towards secured MSME and retail lending, supported by network expansion and a strengthened liability profile, positioning CIFL for sustained growth.
Key Highlights
- 1
Capital India Finance Limited (CIFL) reported a standalone Profit After Tax (PAT) of ₹ 40.36 crore for the financial year ended March 31, 2026, marking a significant growth of 243% year-on-year.
- 2
The company's standalone total income for FY26 stood at ₹ 229.67 crore, reflecting an 11% year-on-year growth.
- 3
Assets Under Management (AUM) reached ₹ 1227.37 crore as of March 31, 2026, registering a healthy growth of 22% year-on-year.
- 4
Disbursements during FY26 totaled ₹ 753.54 crore, demonstrating robust growth of 62% year-on-year, driven by improved customer acquisition and market penetration.
- 5
The Capital Adequacy Ratio (CAR) remained strong at 40.99% as of March 31, 2026, providing substantial capital buffer for future loan book growth.
- 6
Consolidated Total Revenue for FY26 was reported at ₹ 532.84 crore, with consolidated Profit after Tax turning positive at ₹ 30.89 crore compared to a loss in the previous fiscal year.
- 7
CIFL successfully divested its entire stake in Capital India Home Loans Limited (CIHL) for ₹ 267 crore in August 2025, realigning its focus towards strengthening its core lending franchise.
Management Comments
Surender Rana
FY26 was a year of strategic recalibration for CIFL as we sharpened our focus on secured MSME and retail lending. Alongside balance sheet strengthening through the divestment of CIHL, the Company expanded its distribution network and reinforced its leadership team and employee base to support continued growth.
Pinank Shah
The expansion of our network to 46 locations, combined with our continued focus on secured and granular lending, is helping us build a scalable and disciplined lending franchise. We are seeing improving traction across our core business segments. As we continue to scale our lending business, we believe the combination of prudent risk management, technology-led execution and a stronger liability profile positions us well for the next phase of sustainable growth.
Informational and educational content only. Not investment advice.