Capital India Finance Limited (CIFL) has announced its financial results for the year ended March 2026, reporting a standalone Profit After Tax (PAT) of Rs 40.36 crore and total income of Rs 229.67 crore.
The company’s Assets Under Management (AUM) increased to Rs 1,227.37 crore during FY26, registering a growth of 22 per cent year-on-year. Disbursements for the financial year rose 62 per cent to Rs 753.54 crore, supported by expanding customer acquisition, stronger market penetration, and growth across MSME lending segments.
Total revenue for FY26 grew 11 per cent year-on-year to Rs 229.67 crore, while interest income increased 15 per cent to Rs 186.09 crore. The company reported a 243 per cent rise in PAT compared to the previous financial year.
Capital India Finance Limited maintained a Capital Adequacy Ratio of 40.99 per cent as of March 31, 2026, remaining well above regulatory requirements. Net NPA stood at 1.32 per cent, reflecting the company’s focus on disciplined underwriting and risk management.
During the financial year, the company expanded its branch network to 46 locations from 29 branches in FY25, strengthening customer outreach and operational capabilities. The company also raised Rs 600 crore in debt during FY26, including through non-convertible debentures.
As part of its strategic realignment, Capital India Finance Limited completed the divestment of its housing finance subsidiary, Capital India Home Loans Limited, for Rs 267 crore in August 2025. The company stated that the move was aimed at sharpening focus on its core lending business and improving capital allocation efficiency.
The company also expanded its investor presence through listing on the National Stock Exchange of India Limited during FY26.
Commenting on the performance, Surender Rana, Executive Vice Chairman, CIFL, said, “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, Chief Executive Officer, CIFL, said, “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.”
He added, “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.”
The company’s material subsidiary, Rapipay Fintech Pvt. Ltd., reported total revenue of Rs 338.70 crore during FY26 and achieved EBITDA positivity with EBITDA of Rs 6.89 crore. Loss after tax narrowed to Rs 14.60 crore during the year.
On a consolidated basis, Capital India Finance Limited reported total revenue of Rs 532.84 crore and PAT of Rs 30.89 crore for FY26, compared to a loss reported in the previous financial year.
Send news announcements/press releases to:
editor@thefoundermedia.com
