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Capital India Finance financials: balance sheet, profit and loss, cash flow

NSE: CIFLBSE: 530879FinanceSmall Cap

Capital India Finance Limited · Face value ₹2 · Listed Jul 1995 on BSE, Apr 2025 on NSE
Last close ₹17.92down ₹1.68 (8.57%)BSE ₹18.06

Share price at the NSE close on 30 Oct 2026. Previous close ₹19.60.

30 Oct: open ₹19.03, high ₹19.80, low ₹17.60

52-week range of traded prices to 30 Oct 2026
₹15.38Low, 26 Oct 2026₹39.69High, 14 Jan 2026
Market cap
₹701 Cr1,430th largest listed
P/E
18.22
P/E without one-offs
Lossover the last 12 months
P/B
1.04
Dividend yield
Nonein the last 12 months
ROE
5.9%
ROE without one-offs
−10.3%
NIM
7.72%
Cost of funds
8.53%
Credit cost
2.97%
ROA
1.67%
Leverage
2.75times net worth
Volume, NSE
65,42165.4% delivered

Capital India Finance's financial statements for the 10 years to Mar 2026, as a lender reports them, standalone: the listed company alone, without its subsidiaries, with the twelve months to Jun 2026 after them.

10 years at a glance

Standalone, laid out as a lender that is not a bank files them. A lender's lines are blank for the years to Mar 2017, Mar 2018 and Mar 2019: the company's filing for those results has none of them.Capital India Finance annual reports

Net interest income, Net profit, ₹ crore

  • Net interest income
  • Net profit
0.2Mar 172.9Mar 1810Mar 199030Mar 207120Mar 217412Mar 226415Mar 236820Mar 247412Mar 2510440Mar 26

Net interest margin, Return on assets, per cent

  • Net interest margin
  • Return on assets
11.0%0.9%11.0%8.4%5.9%6.4%6.8%8.3%4.5%2.7%1.1%1.2%1.6%0.9%2.6%Mar 17Mar 19Mar 21Mar 23Mar 25Mar 26

Income

₹ crore, years to March.

₹ croreMar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Total income–––105355126163195184230
Interest earned–––10390113127139145186
Interest paid–––13193963727182
Net interest income–––907174646874104
–––22641236554044
Fees and commission–––11412141417
Gains on fair value changes–––11024511
Gains on loans sold–––0000571
Other operating revenue––––263820301213
Income outside operations–––0002313
The lines under it are parts of it, not all of it.–––3830769819496164
Profit before provisions–––552817192917−17
Set aside for bad loans–––13−12−12436
Exceptional items–––00000098
Profit before tax051541291520271345
02411935715
Net profit031030201215201240
Other comprehensive income–––0000000
Total comprehensive income–––30211215201241
Earnings per share––––––––₹0.30₹1.03
Diluted earnings per share––––––––₹0.29₹1.01

Balance sheet

₹ crore, at 31 March.

₹ croreMar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Total assets–6778121,2221,2771,2431,3671,711
Loans given–4865488978928578991,127
Investments–112152166211176230231
Deposits–0000000
–116219615652577673952
Bonds and debentures–40115122810051
Subordinated debt–00013101321
Loans–76104493558567659880
–540559571585607622669

Margins and returns

Per cent a year, on the average of the opening and closing balance sheets.

FigureMar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Net interest margin–10.97%8.37%5.93%6.35%6.82%8.33%
Yield on interest-earning assets–13.89%12.84%11.74%13.05%13.40%14.96%
Cost of funds–11.31%9.44%9.94%11.65%11.40%10.15%
Spread–2.58%3.40%1.81%1.40%2.01%4.82%
Cost to income40.81%91.58%80.55%80.81%76.37%85.05%111.27%
Credit cost–−0.20%0.25%−0.07%0.19%0.46%3.55%
Return on assets4.54%2.75%1.15%1.20%1.60%0.90%2.62%
Assets per rupee of net worth1.271.351.802.162.112.132.38
Return on equity5.76%3.72%2.06%2.60%3.37%1.92%6.25%

Where the return on assets comes from

Per cent of average total assets, a year. Each line adds to the one below it.

Per centMar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Net interest income13.41%9.56%7.26%5.14%5.38%5.65%6.73%
Other income0.37%35.54%1.23%2.90%4.38%3.03%2.83%
Operating expenses5.62%41.30%6.83%6.50%7.46%7.38%10.65%
Profit before provisions8.16%3.80%1.65%1.54%2.31%1.30%−1.08%
Set aside for bad loans2.00%−0.14%0.18%−0.05%0.13%0.31%2.33%
Exceptional items0.00%0.00%0.00%0.00%0.00%0.00%6.36%
Profit before tax6.16%3.93%1.47%1.60%2.18%0.99%2.95%
Tax1.62%1.18%0.32%0.39%0.58%0.08%0.33%
Associates and businesses sold or closed0.00%0.00%0.00%0.00%0.00%0.00%0.00%
Return on assets4.54%2.75%1.15%1.20%1.60%0.90%2.62%

Cash flow

Standalone, ₹ crore, years to March.

₹ croreMar 2021Mar 2022Mar 2023Mar 2024Mar 2025Filed 14 MayMar 2026Filed 20 May
Cash from operations−20−28310114848−279
Capital spending583532
Free cash flow−25−2919814445−281
Cash from investing−56−27−678−4786
Cash from financing98342−43−14916268
Dividends paid111111
Shares bought back000000
Shares issued000013
Net change in cash2131−971875
Capital spending is part of cash from investing, and dividends paid, shares bought back and shares issued are part of cash from financing. Each is shown as an amount on a line of its own, and the section's other items are in its total only. No cash flow statement is on record for the years to Mar 2017, Mar 2018, Mar 2019 and Mar 2020.

Per share

Standalone, ₹ per share, years to March.Capital India Finance dividend history

₹ per shareMar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Filed 14 MayMar 2026Filed 20 May
––––––––₹0.30₹1.03
As stated that year₹0.67₹8.42₹2.42₹3.91₹2.63₹1.50₹1.94₹2.59₹0.30₹1.03
––––––––₹0.29₹1.01
Dividend per share––––––––₹0.02–
––––––––₹15.97₹17.12
Dividend payout––––––––6.6%–
Shareholder yield––––0.1%0.1%0.1%0.1%0.0%−0.3%
Market cap at the year end (₹ crore)5175836611,1269717041,0261,186811
Every year is restated for later splits and bonuses, so they do not break the line. The figure the company stated that year is under each line it differs from.

Growth and returns over 3, 5 and 10 years

Standalone: the listed company alone, without its subsidiaries. Each window ends with the year to Mar 2026.

Measure10 years5 years3 years
Profit growth, yearly rate85.9%14.6%38.9%
Return on equity, average–3.2%3.8%
Net margin, average12.1%10.7%11.6%
Asset turnover, average–0.140.15

Where the cash came from and went

Standalone: the listed company alone, without its subsidiaries. ₹ crore, added up over each window, which ends with the year to Mar 2026.

₹ crore5 years3 yearsLatest year
Cash from operations−265−83−279
Cash from investing−474786
Cash from financing434135268
Capital spending2092
Dividends paid421
Shares bought back000
Shares issued for cash443

Credit ratings

An agency's view of the chance the company repays a borrowing on time, from AAA, the highest, down to D, in default.

DateAgencyBorrowing ratedRatingOutlookAmount, ₹ Cr
17 Sep 2026Acuite Ratings & Research LimitedBank Loan RatingsLong-term scaleACUITE A-NAStable775
17 Sep 2026Acuite Ratings & Research LimitedDebenturesLong-term scaleACUITE A-NAStable100
17 Sep 2026Acuite Ratings & Research LimitedBank Loan RatingsShort-term scaleACUITE A2+NA25
27 Aug 2026Infomerics Valuation and Ratings Private LimitedLong Term RatingIVR AReview, Re-affirmNegative900
27 Aug 2026Infomerics Valuation and Ratings Private LimitedProposed NCDsIVR AReview, Re-affirmNegative50
27 Aug 2026Infomerics Valuation and Ratings Private LimitedNCDsIVR AReview, Re-affirmNegative50
31 Mar 2026Infomerics Valuation and Ratings Private LimitedFund-Based LongTerm Loans – Term LoansIVR AReview, Re-affirmNegative810.22
31 Mar 2026Infomerics Valuation and Ratings Private LimitedFund-Based Working Capital Facilities – Cash CreditIVR AReview, Re-affirmNegative35
31 Mar 2026Infomerics Valuation and Ratings Private LimitedProposed NonConvertible Debentures (NCDs)IVR AReview, Re-affirmNegative50
31 Mar 2026Infomerics Valuation and Ratings Private LimitedNonConvertible DebenturesIVR AReview, Re-affirmNegative50
31 Mar 2026Infomerics Valuation and Ratings Private LimitedFund Based Long Term Loans – Proposed Term LoansIVR AReview, Re-affirmNegative54.78
18 Mar 2026Infomerics Valuation and Ratings Private LimitedNon-Convertible Debentures (NCDs)IVR AReview, Re-affirmNegative50
The latest rating on each borrowing. The agency's name opens its reasoning for the rating.