General information about company |
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|---|---|
| Scrip code | 530879 |
| NSE Symbol | CIFL |
| MSEI Symbol | NOTLISTED |
| ISIN | INE345H01024 |
| Name of company | CAPITAL INDIA FINANCE LIMITED |
| Type of company | Main Board |
| Class of security | Equity |
| Date of start of financial year | 01-Apr-2025 |
| Date of end of financial year | 31-Mar-2026 |
| Date of board meeting when results were approved | 13-Aug-2025 |
| Date on which prior intimation of the meeting for considering financial results was informed to the exchange | 07-Aug-2025 |
| Description of presentation currency | INR (in Actuals) |
| Reporting Type | Quarterly |
| Reporting Quarter | First quarter |
| Nature of report standalone or consolidated | Consolidated |
| Whether results are audited or unaudited for the quarter ended | Unaudited |
| Whether results are audited or unaudited for the Year to date for current period ended/year ended | |
| Segment Reporting | Multi segment |
| Description of single segment | |
| Start date and time of board meeting | 13-Aug-2025 10:00:00 |
| End date and time of board meeting | 13-Aug-2025 12:05:00 |
| Whether cash flow statement is applicable on company | |
| Type of cash flow statement | |
| Declaration of unmodified opinion or statement on impact of audit qualification | Not applicable |
Financial Results — NBFC |
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|---|---|---|---|
| Particulars | 3 months/ 6 months ended (dd-mm-yyyy) | Year to date figures for current period ended (dd-mm-yyyy) | |
| A | Date of start of reporting period | 01-Apr-2025 | 01-Apr-2025 |
| B | Date of end of reporting period | 30-Jun-2025 | 30-Jun-2025 |
| C | Whether results are audited or unaudited | Unaudited | Unaudited |
| D | Nature of report standalone or consolidated | Consolidated | Consolidated |
| Part I | Blue color marked fields are non-mandatory. For Consolidated Results, if the company has no figures for 3 months / 6 months ended, in such case zero shall be inserted in the said column. | ||
| 1 | Income | ||
| Revenue from operations | |||
| (i) | Interest Income | 538884000 | 538884000 |
| (ii) | Dividend Income | 0 | 0 |
| (iii) | Rental Income | 0 | 0 |
| (iv) | Fees and commission Income | 450931000 | 450931000 |
| (v) | Net gain on fair value changes | 18921000 | 18921000 |
| (vi) | Net gain on derecognition of financial instruments under amortised cost category | 36348000 | 36348000 |
| (vii) | Sale of products (including Excise Duty) | 314859000 | 314859000 |
| (viii) | Sale of services | 0 | 0 |
| (ix) | Other revenue from operations | ||
| 1 | Foriegn Exchange Services | 31378000 | 31378000 |
| 2 | Other operating income | 6556000 | 6556000 |
| Total other revenue from operations | 37934000 | 37934000 | |
| Total Revenue From Operations | 1397877000 | 1397877000 | |
| Other income | 3517000 | 3517000 | |
| Total income | 1401394000 | 1401394000 | |
| 2 | Expenses | ||
| Cost of materials consumed | 2237000 | 2237000 | |
| Purchases of stock-in-trade | 0 | 0 | |
| Changes in inventories of finished goods, work-in-progress and stock-in-trade | 0 | 0 | |
| Employee benefit expense | 372949000 | 372949000 | |
| Finance costs | 279034000 | 279034000 | |
| Depreciation, depletion and amortisation expense | 82176000 | 82176000 | |
| Fees and commission expense | 528209000 | 528209000 | |
| Net loss on fair value changes | 0 | 0 | |
| Net loss on derecognition of financial instruments under amortised cost category | 0 | 0 | |
| Impairment on financial instruments | 4177000 | 4177000 | |
| (f) | Other expenses | ||
| 1 | Other expenses | 180902000 | |
| 2 | Share of Profit/(Loss) in associate | 0 | |
| Total other expenses | 180902000 | 180902000 | |
| Total expenses | 1449684000 | 1449684000 | |
| 3 | Total profit before exceptional items and tax | -48290000 | -48290000 |
| 4 | Exceptional items | 0 | 0 |
| 5 | Total profit before tax | -48290000 | -48290000 |
| 7 | Tax expense | ||
| 8 | Current tax | 3764000 | 3764000 |
| 9 | Deferred tax | 4326000 | 4326000 |
| 10 | Total tax expenses | 8090000 | 8090000 |
| 11 | Net Profit Loss for the period from continuing operations | -56380000 | -56380000 |
| 12 | Profit (loss) from discontinued operations before tax | 0 | 0 |
| 13 | Tax expense of discontinued operations | 0 | 0 |
| 17 | Net profit (loss) from discontinued operation after tax | 0 | 0 |
| 14 | Share of profit (loss) of associates and joint ventures accounted for using equity method | 0 | 0 |
| 15 | Total profit (loss) for period | -56380000 | -56380000 |
| 16 | Other comprehensive income net of taxes | 216000 | 216000 |
| 17 | Total Comprehensive Income for the period | -56164000 | -56164000 |
| 18 | Total profit or loss, attributable to | ||
| Profit or loss, attributable to owners of parent | -28487000 | -28487000 | |
| Total profit or loss, attributable to non-controlling interests | -27893000 | -27893000 | |
| 19 | Total Comprehensive income for the period attributable to | ||
| Comprehensive income for the period attributable to owners of parent | -28271000 | -28271000 | |
| Total comprehensive income for the period attributable to owners of parent non-controlling interests | -27893000 | -27893000 | |
| 20 | Details of equity share capital | ||
| Paid-up equity share capital | 779168000 | 779168000 | |
| Face value of equity share capital | 2 | 2 | |
| 21 | Reserves excluding revaluation reserve | ||
| 22 | Earnings per share | ||
| i | Earnings per equity share for continuing operations | ||
| Basic earnings per share from continuing operations | -0.07 | -0.07 | |
| Diluted earnings per share from continuing operations | -0.07 | -0.07 | |
| ii | Earnings per equity share for discontinued operations | ||
| Basic earnings per share from discontinued operations | 0 | 0 | |
| Diluted earnings per share from discontinued operations | 0 | 0 | |
| ii | Earnings per equity share | ||
| Basic earnings per share | -0.07 | -0.07 | |
| Diluted earnings per share | -0.07 | -0.07 | |
| 23 | Debt equity ratio | 0.0145 | 0.0145 |
| 24 | Debt service coverage ratio | 0.0 | 0.0 |
| 25 | Interest service coverage ratio | 0.0 | 0.0 |
| 26 | Disclosure of notes on financial results | Textual Information(1) | |
Remarks |
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| 23 | Debt equity ratio | |
| 24 | Debt service coverage ratio | |
| 25 | Interest service coverage ratio | |
Text Block |
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| Textual Information(1) | 1.These consolidated financial results have been prepared in accordance with the recognition and measurement principles laid down in Indian Accounting Standards 34 - Interim Financial Reporting (Ind AS 34) prescribed under section 133 of the Companies Act, 2013 read with relevant rules issued thereunder and other accounting principles generally accepted in India. 2. The figures of the quarters ended March 31, 2025 are the balancing figures between the audited figures in respect of the full financial year and published year to date figures up to the third quarter of the relevant financial year which were subject to limited review by Statutory Auditors of the Company. 3. The consolidated financial results have been reviewed by the Audit Committee and approved by the Board of Directors at its meeting held on August 13, 2025. 4. The Code on Wages, 2019 and the Code on Social Security, 2020 (“the Codes”) relating to employees compensation and post-employment benefits that received Presidential assent have not been notified. Further, the related rules for quantifying the financial impact have not been notified. The Company will assess the impact of the Codes when the rules are notified and will record any related impact in the period the Codes become effective. 5. Consolidated Segment information in accordance with the Ind AS 108 – Operating Segments of the Group is as under- Reported in segment Tab seperately. Note : Business Segments have been identified and reported taking into account the nature of products and services, the organisation structure, the internal business reporting system and the guidelines prescribed by the RBI. The Group doesn't have any reportable geographical segment. 6. Capital India Finance Limited, in its board meeting held on Oct 16, 2024, approved the sale of its entire stake in material subsidiary Capital India Home Loans Limited (CIHL) to Weaver Services Private Limited (Weaver). The transaction was subject to obtaining requisite approval under the applicable law, including regulatory authorities and lenders. Following the receipt of requisite approvals from the Reserve Bank of India, the National Housing Bank and other concerned stakeholders, and upon fulfillment of the conditions under the Share Purchase Agreement the Company has successfully divested the entire equity stake in CIHL to Weaver for a total consideration of INR 266.53 crore. Accordingly, CIHL ceased to be a subsidiary of the Company with effect from 11th Aug 2025. 7. During the quarter ended June 30, 2025, the Nomination and Remuneration Committee of the board of Capital India Finance Limited has granted 40,00,000 options under CIFL EMPLOYEE STOCK OPTION PLAN 2023 to the eligible employees at an exercise price of Rs 19 per share. 8. During the quarter ended June 30, 2025 Capital India Finance Limited has allotted 4,51,906 equity shares of face value of Rs. 2 per share to employees who have exercised their options under the approved CIFL Employee Stock Option Plan 2018. 9. In case of subsidiary Rapipay Fintech Private Limited invested Rs 15 Lakhs in its wholly owned subsidiary NYE Investech Private Limited (formally known as Kuants Wealth Private Limited) during the quarter ended June 30, 2025. 10. Previous period/ year figures have been regrouped/ reclassified to make them comparable with those of current period. | ||
Format for Reporting Segment wise Revenue, Results and Capital Employed along with the company results |
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|---|---|---|---|
| Particulars | 3 months/ 6 month ended (dd-mm-yyyy) | Year to date figures for current period ended (dd-mm-yyyy) | |
| A | Date of start of reporting period | 01-Apr-2025 | 01-Apr-2025 |
| B | Date of end of reporting period | 30-Jun-2025 | 30-Jun-2025 |
| Whether accounts are audited or unaudited | Unaudited | Unaudited | |
| Nature of report standalone or consolidated | Consolidated | Consolidated | |
| 1 | Segment Revenue (Income) | ||
| (net sale/income from each segment should be disclosed) | |||
| 1 | Lending business | 609047000 | |
| 2 | Prepaid Payment Instrument business | 731155000 | |
| 3 | Forex business | 61192000 | |
| 4 | Others | 0 | |
| Total Segment Revenue | 1401394000 | 1401394000 | |
| Less: Inter segment revenue | 0 | ||
| Revenue from operations | 1401394000 | 1401394000 | |
| 2 | Segment Result | ||
| Profit (+) / Loss (-) before tax and interest from each segment | |||
| 1 | Lending business | 32625000 | |
| 2 | Prepaid Payment Instrument business | -54414000 | |
| 3 | Forex business | -22168000 | |
| 4 | Others | -4333000 | |
| Total Profit before tax | -48290000 | -48290000 | |
| i. Finance cost | 0 | ||
| ii. Other Unallocable Expenditure net off Unallocable income | 0 | 0 | |
| Profit before tax | -48290000 | -48290000 | |
| 3 | (Segment Asset - Segment Liabilities) | ||
| Segment Asset | |||
| 1 | Lending business | 15115484000 | 15115484000 |
| 2 | Prepaid Payment Instrument business | 1502351000 | 1502351000 |
| 3 | Forex business | 565155000 | 565155000 |
| 4 | Others | 90807000 | 90807000 |
| Total Segment Asset | 17273797000 | 17273797000 | |
| Un-allocable Assets | 326544000 | 326544000 | |
| Net Segment Asset | 17600341000 | 17600341000 | |
| 4 | Segment Liabilities | ||
| Segment Liabilities | |||
| 1 | Lending business | 9625397000 | 9625397000 |
| 2 | Prepaid Payment Instrument business | 1266086000 | 1266086000 |
| 3 | Forex business | 217884000 | 217884000 |
| 4 | Others | 1582000 | 1582000 |
| Total Segment Liabilities | 11110949000 | 11110949000 | |
| Un-allocable Liabilities | 0 | 0 | |
| Net Segment Liabilities | 11110949000 | 11110949000 | |
| Disclosure of notes on segments | Textual Information(1) | ||
Text Block |
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| Textual Information(1) | 1. Business Segments have been identified and reported taking into account the nature of products and services, the organisation structure, the internal business reporting system and the guidelines prescribed by the RBI. The Group doesn't have any reportable geographical segment. | ||
Other Comprehensive Income |
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|---|---|---|---|
| Particulars | 3 months/ 6 month ended (dd-mm-yyyy) | Year to date figures for current period ended (dd-mm-yyyy) | |
| A | Date of start of reporting period | 01-Apr-2025 | 01-Apr-2025 |
| B | Date of end of reporting period | 30-Jun-2025 | 30-Jun-2025 |
| C | Whether results are audited or unaudited | Unaudited | Unaudited |
| D | Nature of report standalone or consolidated | Consolidated | Consolidated |
| Other comprehensive income [Abstract] | |||
| 1 | Amount of items that will not be reclassified to profit and loss | ||
| 1 | Items that will not be reclassified to profit or loss | 289000 | 289000 |
| Total Amount of items that will not be reclassified to profit and loss | 289000 | 289000 | |
| 2 | Income tax relating to items that will not be reclassified to profit or loss | 73000 | 73000 |
| 3 | Amount of items that will be reclassified to profit and loss | ||
| Total Amount of items that will be reclassified to profit and loss | |||
| 4 | Income tax relating to items that will be reclassified to profit or loss | 0 | 0 |
| 5 | Total Other comprehensive income | 216000 | 216000 |