CSL Finance
- Market cap
- ₹ 484 Cr.
- P/E
- 5.7x
- P/B
- 0.77x
- 52-week range
- 199.99 – 324.7
- ROE
- 15%
- Dividend yield
- 1.4%
- Debt / equity
- 1.38
- Sector
- Finance
- Industry
- Non Banking Financial Company (NBFC)
- Listed on
- NSE, BSE
About
CSL Finance Limited is an India-based non-banking financial company (NBFC). It fulfills the financing needs of small and medium-sized enterprises (SMEs) and real estate and non-real estate corporates. The Company operates through two primary business verticals: SME Retail Lending and Wholesale Lending. Its wholesale lending division specializes in providing bespoke loan solutions to real estate developers involved in both group housing and single-plotted projects in the National Capital Region (NCR) region. Its SME Retail Lending provides secured, collateralized loan products to SMEs and Micro, Small, and Medium Enterprises (MSMEs) sectors operating in healthcare, agriculture, fast-moving consumer goods (FMCG) trading, small-scale industries, and steel fabrication business verticals. It offers an Emergency Credit Line Guarantee Scheme (ECLGS) launched by the Government for MSMEs to help them to cure the loss due to the COVID-19 pandemic offering working capital term loans.
Quick check
The five things to look at first. Open one for more.
Compared with its industry
Non Banking Financial Company (NBFC): 288 companies →CSL 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)5.7 against a typical 22.5: cheaper than most peers (1st = cheapest).25th of 284
- Sales growth+18.6% against a typical +18.3% from a year earlier.129th of 259
- Profit growth+4.8% against a typical +20.2% from a year earlier.131st of 214
- Share price, 3 months+3.3% against a typical −4.2%.93rd of 258
- Size₹ 484 Cr. market value against a typical ₹ 43 Cr. (1st = largest).48th of 269
Latest announcements
Exchange filings and their impact on the company.
- CSL Finance appoints seasoned SME lending head to support MSME growth.
CSL Finance has appointed Mr. Akshay Gujar as Chief Executive Officer of its SME division, designated as Senior Management Personnel, effective October 27, 2026. Gujar has over 12 years experience across retail lending, secured MSME, microfinance and farmer finance, most recently leading microfinance and inclusive banking excellence at AU Small Finance Bank. The hire strengthens SME leadership but carries no disclosed financial impact for the next 12 months.
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
Rated A- by Acuite- No warnings from the agency.
| Agency | Current rating | Outlook | As of |
|---|---|---|---|
| Acuite | ACUITE A- | Stable | 31 Mar 2026 |
| Rating | Details | |||||
|---|---|---|---|---|---|---|
| 31 Mar 2026 | New rating | ACUITE A- | — | Acuite | ₹ 1,150 Cr. |
Board meetings
Results dates and other board meetings. Full calendar
| Details | ||
|---|---|---|
| 2 Nov 2026Upcoming | Financial Results | To consider and approve the financial results for the period ended September 30, 2026 |
| 12 Aug 2026 | Financial Results | To consider and approve the financial results for the period ended Jun 30, 2026 |
| 26 May 2026 | Financial Results/Dividend | To consider and approve the financial results for the quarter and year ended March 31, 2026 and dividend |
| 18 Mar 2026 | Fund Raising | To consider Fund Raising by way of issue of Non-Convertible Debentures (NCD's). |
| 13 Feb 2026 | Financial Results | To consider and approve the financial results for the period ended December 31, 2025 |
| 13 Nov 2025 | Financial Results | To consider and approve the financial results for the period ended September 30, 2025 |
| 12 Aug 2025 | Financial Results | To consider and approve the financial results for the period ended Jun 30, 2025 |
Financials
Standalone 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 | 38 | 45 | 47 | 51 | 54 | 53 | 57 | 59 | 64 | 64 | 69 | 70 |
| Interest | 9 | 11 | 13 | 14 | 16 | 17 | 18 | 18 | 21 | 22 | 23 | 24 |
| Expenses | 9 | 10 | 10 | 12 | 14 | 14 | 13 | 13 | 14 | 17 | 15 | 16 |
| Financing Profit | 20 | 24 | 23 | 25 | 25 | 23 | 25 | 28 | 29 | 26 | 31 | 30 |
| Financing Margin % | 53% | 53% | 50% | 48% | 46% | 42% | 45% | 47% | 46% | 40% | 44% | 43% |
| Other Income | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Depreciation | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 1 | 1 | 1 | 1 |
| Profit before tax | 20 | 24 | 23 | 25 | 25 | 23 | 25 | 28 | 29 | 25 | 30 | 30 |
| Tax % | 27% | 30% | 21% | 25% | 28% | 26% | 24% | 23% | 15% | 18% | 36% | 25% |
| Net Profit | 15 | 17 | 19 | 18 | 18 | 17 | 19 | 21 | 24 | 21 | 19 | 22 |
| EPS in Rs | 6.5 | 7.34 | 8.15 | 8.12 | 7.83 | 7.36 | 8.33 | 9.36 | 10.74 | 9.18 | 8.52 | 9.72 |
| Gross NPA % | 0.6% | 0.4% | 0.4% | 0.5% | 0.5% | 0.4% | 0.5% | 0.6% | 0.5% | 1% | 1.1% | 1% |
| Net NPA % | 0.3% | 0.2% | 0.3% | 0.3% | 0.3% | 0.2% | 0.3% | 0.4% | 0.4% | 0.8% | 0.8% | 0.6% |
Growth and returns
Compounded yearly rates over each period.
- 10 Years
- 19%
- 5 Years
- 33%
- 3 Years
- 30%
- TTM
- 19%
- 10 Years
- 21%
- 5 Years
- 26%
- 3 Years
- 24%
- TTM
- 16%
- 10 Years
- 16%
- 5 Years
- 15%
- 3 Years
- −12%
- TTM
- —
- 10 Years
- 13%
- 5 Years
- 14%
- 3 Years
- 15%
- 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.
| CSL Finance | ₹ 217.99 | ₹ 484 Cr. | 5.7x | 0.8x | 15% | — |
| 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
- Naresh Chandra Varshney
- Chief Financial Officer
- Preeti Gupta
- Compliance Officer, Company Secretary
- Rohit Gupta
- Managing Director, Executive Director
- Rachita Gupta
- Whole-Time Director
- Ashok Kumar Kathuria
- Executive Director
- Nikhil Singh
- Chief Information Security Officer
Prices are delayed and for information only. Nothing on this page is investment advice.