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INDIA FINANCE LIMITEDMain BoardEquity2025-04-012026-03-312025-11-142025-11-04INRLakhsQuarterlySecond quarterMulti segment2025-11-1412:30:002025-11-1415:35:00trueCash Flow IndirectNot applicabletruetrueNANAfalsetrue2025-02-14https://www.capitalindia.com/wp-content/uploads/2025/02/Policy-On-Related-Party-Transactions.pdffalsefalseThere is no default in repayment of loan & Debt Securities2025-07-012025-09-30UnauditedStandalone309882000004394900021809000-1781000003308800040694700040870004110340000001952910001947120002282300000047065400066031000949511000-53847700097918300044070600058154000556000063714000376992000000037699200021700037720900077941800020.970.95000.970.950.0103001. Capital India Finance Limited ("the Company") is a Non- Deposit taking Non - Banking Financial Company ("NBFC-ND") registered with the Reserve Bank of India ("the RBI") and classified as NBFC - Middle Layer pursuant to Scale Based Regulations prescribed by the RBI vide its Circular Ref. No. RBI/2021-22/112 DOR CRE.REC. No.60/03.10.001/2021-22 dated October 22, 2021 read with Master Direction - Reserve Bank of India (Non - Banking Financial Company - Scale Based Regulation) Directions, 2023 dated October 19, 2023. <BR> <BR> 2.These Standalone Financial Results have been prepared in accordance with the recognition and measurement principles as laid down in the Indian Accounting Standard ("Ind AS"), 34 Interim Financial Reporting as prescribed under Section 133 of the Companies Act 2013 (the "Act") read with relevant rules issued thereunder and in compliance with the requirements of Regulation 33 and Regulation 52(4) of the Securities and Exchange Board of India (Listing Obligations and Disclosure Requirements) Regulations,2015, as amended from time to time. <BR> <BR> 3.The auditors have carried out Limited Review of the Financial results for the quarter and half year ended Sep 30, 2025 as required under Regulation 33 and Regulation 52 of SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015. <BR> <BR> 4.The results have been reviewed by the Audit Committee and approved by the Board of Directors at its meeting held on Nov 14, 2025. <BR> <BR> 5.The Code on Wages, 2019 and Code 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. <BR> <BR> 6. Disclosures pursuant to RBI Notification - RBI/DOR/2021-22/86 DOR.STR.REC.51/21.04.048/2021-22 dated 24 September, 2021. <BR> A. Details of loans acquired through assignment in respect of loans not in default for the quarter ended Sep 30, 2025. <BR> <BR> Aggregate amount of loans acquired (in Lakhs) | 514.28 | <BR> Weighted average residual maturity (in months) | 79.23 | <BR> Weighted average holding period (in months)* | 0.86 | <BR> Retention of beneficial economic interest by the originator (in %) (MRR) | 10% | <BR> Tangible security coverage** (Times) | 1 | <BR> <BR> * Holding period is computed as holding period in the books of the originator. <BR> ** For computation of coverage tangible security coverage ratio, Company has considered only secured loans. <BR> <BR> B. The Company has not transferred any loans not in default through assignment during the quarter ended Sep 30, 2025. <BR> C. The Company has not transferred any stressed loan during the quarter ended Sep 30, 2025. <BR> D. The Company has not acquired any stressed loan during the quarter ended Sep 30, 2025. <BR> <BR> <BR> 7. Segment information in accordance with IND AS 108 - Operating Segments is as under - <BR> <BR> 8. The compliance related to disclosure of certain ratios and other financial information as required under Regulation 52 (4) of the Listing Regulations is made in Appendix 1. <BR> <BR> 9. During the quarter ended Sep 30, 2025 the Company has issued 5,000 secured, listed, rated, redeemable non- convertible debentures (NCD) having face value of Rs. 1,00,000 each amounting to Rs. 5,000 lakhs. <BR> <BR> 10. The secured non-convertible debentures issued by the Company are fully secured by first pari passu charge by hypothecation of book debts/ loan receivables to the extent as stated in the Offer Document. Further, the Company has maintained asset cover as stated in the Offer Document which is sufficient to discharge the principal amount and the interest thereon at all times for the non-convertible debt securities issued. The Security Cover certificate as per Regulation 54(3) of the Securities and Exchange Board of India (Listing Obligation and Disclosure Requirements) Regualtion,2015 is attached as Appendix 2. <BR> <BR> 11. During the quarter ended Sep 30, 2025, the Nomination and Remuneration Committee of the board of Capital India Finance Limited has granted 13,00,000 options under CIFL EMPLOYEE STOCK OPTION PLAN 2023 to the eligible employees at an exercise price of Rs 22 per share. <BR> <BR> 12. During the quarter ended Sep 30, 2025 the Company has allotted 1,25,000 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. <BR> <BR> 13. The Board of Directors of the Company in its meeting held on Oct 16, 2024 had approved the disinvestment of the Company's entire stake in Capital India Home Loans Limited (CIHL). Post receipt of requisite of regulatory approvals, the Company had sold its entire stake in CIHL to Weaver Services Private Limited for a total consideration of Rs 26,652.71 Lakhs. Consequently, CIHL had ceased to be a subsidiary of Company with effect from 11th Aug 2025. <BR> The exceptional item disclosed in the financial result for the quarter ended September 30, 2025 includes resultant gain on account of disinvestment of CIHL, such gain is after adjusting the carrying amount of investment in CIHL as on date of sale and expenses incurred on the sale transaction. <BR> <BR> 14.The figures for the quarter ended September 30, 2025, and September 30, 2024 are the balancing figures between published figures in respect of the half year ended September 30, 2025, and September 30, 2024 and the published figures for the quarter ended June 30, 2025 and June 30, 2024 respectively. <BR> <BR> 15. Previous period/ year figures have been regrouped/ reclassified to make them comparable with those of current period/ year.2025-04-012025-09-30UnauditedStandalone6639990000082300000398600001099500000644660008616200007494000869114000000375786000390075000459130000004649750001296420001406391000-53727700097918300044190600061918000187400063792000378114000000037811400043300037854700077941800020.970.95000.970.950.010300Foreign Exchange Services33088000Foreign Exchange Services64466000Other expenses66031000Other expenses129642000142072200067519100008118600021600009234710000218062400017688900013771482000010615900068647000007933400000097638000164654000516432000142879140007794180005839886000661930400066193040000001247330000160900048421300063070730000107744000560834000758620600005247400002993000082404000766861000014287914000Lending business347233000Forex business63801000Unallocated0Lending business744121000Forex business124993000Unallocated041103400086911400000411034000869114000Lending 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Dalbir Singh Suhag******Independent DirectorAny other transactionSitting Fees Poaid0Transactions are duely approved and periodically reviewed by Audit Committee40000000Capital India Finance Limited******Capital India Home Loans Limited******SubsidiarySale of goods or services50000000Transactions are duely approved and periodically reviewed by Audit Committee3200000Capital India Finance Limited******Atulya Foundation******Enterprise over which control is exercised by the CompanyAny other transactionCSR7500000Transactions are duely approved and periodically reviewed by Audit Committee400000000204358000