Capital India Finance
- Market cap
- ₹ 666 Cr.
- P/E
- 262.8x
- P/B
- 1.05x
- 52-week range
- 15.38 – 39.69
- ROE
- −9%
- Dividend yield
- 0%
- Debt / equity
- 1.43
- Sector
- Finance
- Industry
- Non Banking Financial Company (NBFC)
- Listed on
- NSE, BSE
About
Capital India Finance Limited is an India-based non-banking financial institution. The Company is engaged in the business of foreign exchange services. It operates through two segments: lending business and forex services. The lending business includes providing finance to small medium enterprises, retail customers and real estate for a variety of purposes like purchase of commercial equipment, personal purposes, and enterprise loans. The forex services comprise of overseas remittances, foreign currency prepaid travel cards, import and export foreign currency notes. Its retail finance portfolio includes home loans, home improvement loans, home extension loans, loans against property, and home loan balance transfers. Its RapiPay business provides services like Aadhaar-enabled payment system (AEPS), insurance, bill payments, and domestic money transfer. Its RemitX business products and services include foreign currency notes, overseas remittances, and foreign currency prepaid travel.
Quick check
The five things to look at first. Open one for more.
Compared with its industry
Non Banking Financial Company (NBFC): 288 companies →Capital India Finance against the typical company in its industry. The rank is out of the companies that report each figure; green means the better quarter of the pack, red the worse quarter.
- Valuation (P/E)262.8 against a typical 22.5: pricier than most peers (1st = cheapest).251st of 284
- Sales growth+4.2% against a typical +18.3% from a year earlier.170th of 259
- Share price, 3 months−3.8% against a typical −4.2%.124th of 258
- Size₹ 666 Cr. market value against a typical ₹ 43 Cr. (1st = largest).42nd of 269
Latest announcements
Exchange filings and their impact on the company.
- Half-year filing discloses a new Rs 100 cr 10% NCD alongside existing Rs 50 cr NCD.
Capital India Finance filed its half-year ISIN statement for September 30, 2026. It shows two listed NCDs outstanding totalling Rs 150 crore: a Rs 50 crore 9.55% NCD issued July 2025 due July 2028, and a new Rs 100 crore 10% NCD issued September 29, 2026 due December 2028 with quarterly interest. The new borrowing modestly increases leverage to fund lending growth.
Credit ratings
Every rating action on file, newest first, including reaffirmations. Open a row for the agency's reasoning. All credit rating updates
Adequate safety, with caution
Rated A to A- by 2 agencies- Infomerics expects things to get worse (negative outlook).
| Agency | Current rating | Outlook | As of |
|---|---|---|---|
| Acuite | ACUITE A- | Stable | 17 Sep 2026 |
| Infomerics | IVR A | Negative | 27 Aug 2026 |
| Rating | Details | |||||
|---|---|---|---|---|---|---|
| 17 Sep 2026 | New rating | ACUITE A- | — | Acuite | ₹ 100 Cr. | |
| 27 Aug 2026 | Reaffirmed | IVR A | — | Infomerics | ₹ 1,000 Cr. | |
| 31 Mar 2026 | Reaffirmed | IVR A | — | Infomerics | ₹ 1,000 Cr. | |
| 18 Mar 2026 | ▼ Outlook cut | IVR A Outlook Stable → Negative | — | Infomerics | ₹ 1,000 Cr. | |
| 22 Oct 2025 | Reaffirmed | IVR A | — | Infomerics | ₹ 1,000 Cr. |
Board meetings
Results dates and other board meetings. Full calendar
| Details | ||
|---|---|---|
| 14 Aug 2026 | Financial Results/Fund Raising | To consider and approve the financial results for the quarter ended June 30, 2026 and raising of funds by way of issuance of non-convertible debentures/ bonds and other debt securities in one or more tranches/ series. |
| 20 May 2026 | Financial Results/Dividend | To consider and approve the financial results for the quarter and financial year ended March 31, 2026 and dividend. |
| 13 Feb 2026 | Financial Results | To consider and approve the un-audited financial results of the Company (both standalone and consolidated) for the quarter and nine months period ended on December 31, 2025 |
| 14 Nov 2025 | Financial Results | To consider and approve the financial results for the quarter and half year ended September 30, 2025 |
| 13 Aug 2025 | Financial Results/Fund Raising | To consider and approve the financial results for the period ended Jun 30, 2025 and Fund Raising |
| 16 Jul 2025 | Fund Raising | To consider Fund Raising by way of issuance of non-convertible debentures in one or more tranches. |
Financials
Consolidated figures in ₹ crore.
| ₹ Cr. | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 | Jun 2026 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 176 | 165 | 167 | 158 | 143 | 135 | 139 | 123 | 132 | 147 | 125 | 128 |
| Interest | 26 | 25 | 25 | 26 | 17 | 19 | 28 | 20 | 20 | 22 | 22 | 25 |
| Expenses | 147 | 134 | 140 | 133 | 121 | 110 | 109 | 101 | 159 | 124 | 102 | 104 |
| Financing Profit | 3 | 6 | 3 | −0 | 5 | 6 | 3 | 2 | −47 | 1 | 1 | −1 |
| Financing Margin % | 1.7% | 3.5% | 1.6% | −0.2% | 3.7% | 4.5% | 2.2% | 1.6% | −35.5% | 0.4% | 1% | −1.1% |
| Other Income | 2 | 1 | 2 | 1 | 4 | 1 | 2 | 0 | 106 | 1 | 3 | 1 |
| Depreciation | 8 | 8 | 7 | 8 | 8 | 8 | 8 | 8 | 8 | 8 | 7 | 8 |
| Profit before tax | −3 | −1 | −2 | −8 | 2 | −1 | −3 | −6 | 51 | −6 | −4 | −8 |
| Tax % | 102.8% | 105.2% | 72% | −15.5% | 65.9% | 94.9% | −12% | 0.2% | 12.5% | −13% | −15.6% | 14.1% |
| Net Profit | −5 | −2 | −4 | −6 | 1 | −2 | −3 | −6 | 45 | −5 | −3 | −10 |
| EPS in Rs | 0 | 0.01 | 0.02 | −0.04 | 0.08 | 0.02 | −0.02 | −0.07 | 1.15 | −0.07 | 0 | −0.08 |
Growth and returns
Compounded yearly rates over each period.
- 10 Years
- —
- 5 Years
- 11%
- 3 Years
- −7%
- TTM
- −2%
- 10 Years
- —
- 5 Years
- —
- 3 Years
- −16%
- TTM
- −1,938%
- 10 Years
- 24%
- 5 Years
- −3%
- 3 Years
- −5%
- TTM
- —
- 10 Years
- —
- 5 Years
- −3%
- 3 Years
- −3%
- TTM
- —
P/E and EPS over time
Daily P/E and trailing 12-month EPS. EPS updates with each result.
Peers
Listed companies in the same business.
| Capital India Finance | ₹ 19.63 | ₹ 666 Cr. | 262.8x | 1.1x | −9% | — |
| Bajaj Finance | ₹ 927.00 | ₹ 5,77,146 Cr. | 25x | 5.8x | 18.1% | 23.7% |
| Shriram Finance | ₹ 867.00 | ₹ 2,04,004 Cr. | 13.9x | 3x | 16.4% | 20.9% |
| Jio Financial Services | ₹ 205.00 | ₹ 1,35,364 Cr. | 95.5x | 1.2x | — | 49.8% |
| Tata Capital | ₹ 307.05 | ₹ 1,30,358 Cr. | 20.5x | 3.3x | 12.3% | 16% |
| Power Finance Corporation | ₹ 316.00 | ₹ 1,04,283 Cr. | 5.4x | 1x | 20.7% | 29.1% |
Management
- Pinank Jayant Shah
- Chief Executive Officer, Executive Director
- Surender Rana
- Executive Vice Chairman of the Board
- Vikas Kumar Srivastava
- Chief Financial Officer
- Manvinder Singh Walia
- Chief Operating Officer
- Navin Mishra
- Chief Human Resources Officer
- Sulabh Kaushal
- Chief Compliance Officer, Company Secretary
- Keshav Porwal
- Managing Director, Director
- Subhendu Bhanja
- Chief of Service Delivery
Prices are delayed and for information only. Nothing on this page is investment advice.