May 21, 2026, Mumbai: Capital India Finance Limited (CIFL), (BSE & NSE: CIFL | 530879 | INE345H01024), an India-focused MSME lender (NBFC), reported a standalone Profit After Tax (PAT) of ₹ 40.36 crore and total income of ₹ 229.67 crore for the financial year ended March 31, 2026.
Key Performance Highlights – Standalone:
- Assets Under Management (AUM) stood at ₹ 1227.37 crore as of March 31, 2026, registered growth of 22% YoY.
- Disbursements during FY26 stood at ₹ 753.54 crore, reflecting a growth of 62% YoY, driven by improving customer acquisition, deeper market penetration and expansion across MSME lending segments.
- Total Revenue for FY26 reported at ₹ 229.67 crore, registered growth of 11% YoY, Interest Income for FY26 reported at ₹ 186.09 crore, registered growth of 15% YoY.
- PAT for FY26 reported at ₹ 40.36 crore, registered growth of 243% YoY.
- Capital Adequacy Ratio (CAR) remained strong at 40.99% as on March 31, 2026, significantly above the regulatory requirement, providing a strong capital buffer, financial flexibility and adequate capacity to support the Company’s future loan book growth.
- Net NPA stood at 1.32%, reflecting prudent credit selection, disciplined collection mechanisms and a conservative risk management framework.
- Expanded branch and distribution network to 46 branches in FY26 from 29 branches in FY25, enhancing the Company’s execution and customer outreach capabilities.
- Continues to benefit from a well-established borrowing franchise, supported by strong participation from both existing and new lenders, with total Debt raised of ₹ 600 crore in FY26 including NCD issuance.
- Expanded leadership, employee base and distribution footprint to support future growth.
Strategic Developments During FY26
- Accomplished strategic divestment of entire stake in Capital India Home Loans Limited (CIHL), erstwhile housing finance subsidiary of CIFL, for a consideration of ₹ 267 crore in Aug 25, as part of CIFL’s strategic realignment towards strengthening its core lending franchise and enhancing capital allocation efficiency.
- Listed on the National Stock Exchange of India, enhancing market visibility, investor reach and trading liquidity.
Commenting on the financial results, Mr. 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.”
Mr. Pinank Shah, Chief Executive Officer, CIFL, commented:
“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.”
Overview of Rapipay Fintech Pvt. Ltd (Material Subsidiary) - Rapipay
- Total Revenue for FY26 reported at ₹ 338.70 crore.
- Achieved EBITDA positivity in FY26, reporting an EBITDA of ₹ 6.89 crore, marking a significant turnaround and demonstrating strong improvement in its financial performance.
- Loss After Tax for FY26 reported at ₹ 14.60 crore, demonstrating reduction in losses over FY25.
Key Performance Highlights – Consolidated:
- Total Revenue for FY26 reported at ₹ 532.84 crore.
- Profit after Tax for FY26 reported at ₹ 30.89 crore as against Loss after tax at ₹ 10.22 crore for FY25.
