5308792025-07-012025-09-305308792025-09-305308792025-03-315308792025-04-012025-09-305308792025-07-012025-09-30in-capmkt:OtherRevenueFromOperations1Member5308792025-07-012025-09-30in-capmkt:OtherRevenueFromOperations2Member5308792025-04-012025-09-30in-capmkt:OtherRevenueFromOperations1Member5308792025-04-012025-09-30in-capmkt:OtherRevenueFromOperations2Member5308792025-07-012025-09-30in-capmkt:OtherExpenses1Member5308792025-04-012025-09-30in-capmkt:OtherExpenses1Member5308792025-07-012025-09-30in-capmkt:ReportableSegments1Member5308792025-07-012025-09-30in-capmkt:ReportableSegments2Member5308792025-07-012025-09-30in-capmkt:ReportableSegments3Member5308792025-07-012025-09-30in-capmkt:ReportableSegments4Member5308792025-07-012025-09-30in-capmkt:ReportableSegments5Member5308792025-04-012025-09-30in-capmkt:ReportableSegments1Member5308792025-04-012025-09-30in-capmkt:ReportableSegments2Member5308792025-04-012025-09-30in-capmkt:ReportableSegments3Member5308792025-04-012025-09-30in-capmkt:ReportableSegments4Member5308792025-04-012025-09-30in-capmkt:ReportableSegments5Member5308792025-07-012025-09-30in-capmkt:ReportableSegments1Member5308792025-07-012025-09-30in-capmkt:ReportableSegments2Member5308792025-07-012025-09-30in-capmkt:ReportableSegments3Member5308792025-07-012025-09-30in-capmkt:ReportableSegments4Member5308792025-07-012025-09-30in-capmkt:ReportableSegments5Member5308792025-04-012025-09-30in-capmkt:ReportableSegments1Member5308792025-04-012025-09-30in-capmkt:ReportableSegments2Member5308792025-04-012025-09-30in-capmkt:ReportableSegments3Member5308792025-04-012025-09-30in-capmkt:ReportableSegments4Member5308792025-04-012025-09-30in-capmkt:ReportableSegments5Member5308792025-07-012025-09-30in-capmkt:ReportableSegments1Member5308792025-09-30in-capmkt:ReportableSegments1Member5308792025-07-012025-09-30in-capmkt:ReportableSegments2Member5308792025-09-30in-capmkt:ReportableSegments2Member5308792025-07-012025-09-30in-capmkt:ReportableSegments3Member5308792025-09-30in-capmkt:ReportableSegments3Member5308792025-07-012025-09-30in-capmkt:ReportableSegments4Member5308792025-09-30in-capmkt:ReportableSegments4Member5308792025-07-012025-09-30in-capmkt:ReportableSegments5Member5308792025-09-30in-capmkt:ReportableSegments5Member5308792025-07-012025-09-30in-capmkt:ReportableSegments1Member5308792025-09-30in-capmkt:ReportableSegments1Member5308792025-07-012025-09-30in-capmkt:ReportableSegments2Member5308792025-09-30in-capmkt:ReportableSegments2Member5308792025-07-012025-09-30in-capmkt:ReportableSegments3Member5308792025-09-30in-capmkt:ReportableSegments3Member5308792025-07-012025-09-30in-capmkt:ReportableSegments4Member5308792025-09-30in-capmkt:ReportableSegments4Member5308792025-07-012025-09-30in-capmkt:ReportableSegments5Member5308792025-09-30in-capmkt:ReportableSegments5Member5308792025-07-012025-09-30ItemsThatWillNotBeReclassifiedToProfitAndLoss15308792025-04-012025-09-30ItemsThatWillNotBeReclassifiedToProfitAndLoss1iso4217:INRxbrli:pureiso4217:INRxbrli:shares530879CIFLNOTLISTEDINE345H01024CAPITAL INDIA FINANCE LIMITEDMain BoardEquity2025-04-012026-03-312025-11-142025-11-04INRLakhsQuarterlySecond quarterMulti segment2025-11-1412:30:002025-11-1415:35:00trueCash Flow IndirectNot applicable2025-07-012025-09-30UnauditedConsolidated3941470000053666000021809000-178100031197600004562700013084380007430000131586800012460000031561300019748900081182000630826000004706540001599980001857008000-541140000106380600052266600058154000556000063714000458952000-15307000-3304000-120030000446949000217000447166000448214000-1265000448431000-126500077941800021.181.15-0.03-0.031.151.120.0101001.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 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> 2. The auditors have carried out Limited Review of the Financial Results for the quarter and half year ended September 30, 2025 as required under Regulation 33 and Regulation 52 of SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015. <BR> <BR> 3. The consolidated financial results have been reviewed by the Audit Committee and approved by the Board of Directors at its meeting held on November 14, 2025. <BR> <BR> 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 group 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> 5. Consolidated Segment information in accordance with the Ind AS 108 – Operating Segments of the Group is as under: <BR> Note : <BR> 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. <BR> 2. Financial Numbers of discontinued operations have been included for above segment disclosures. <BR> <BR> 6. 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> 7. The secured non-convertible debentures issued by the Capital India Finance Limited are fully secured by first pari passu charge by hypothecation of book debts/ loan receivables to the extent as stated in the Information Memorandum. Further, the Company has maintained asset cover as stated in the Information Memorandum which is sufficient to discharge the principal amount at all times for the non-convertible debt securities issued. <BR> <BR> 8. During the quarter ended Sep 30, 2025 the Capital India Finance Limited 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> 9. During the quarter ended Sep 30, 2025 the Capital India Finance Limited 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> <BR> 10.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> <BR> The exceptional item disclosed in the financial result for the quarter ended September 30, 2025 represents includes 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> <BR> 11. 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> 12. Previous period/ year figures have been regrouped/ reclassified to make them comparable with those of current period.2025-04-012025-09-30UnauditedConsolidated79472800000978765000398600001099500062683500008356100025347440001096700025457110003483000006313590003957210001623260001159035000004649750003274980003144397000-598686000106380600046512000061918000187400063792000401328000-60510004708000-107590000390569000433000391002000419727000-29158000420160000-2915800077941800021.111.08-0.03-0.031.081.050.010100Foriegn Exchange Services33088000Other operating income12539000Foriegn Exchange Services64466000Other operating income19095000Other expenses159998000Other expenses32749800019599220009159620000973680002284120009234710000196627300033795600014740603000813400014520800068647000001089710000115900001807590005327680002098200001265897000160065000007794180005935497000671491500022554400069404590000032120001868990000160900048421300063070730000206641000171358200089032290000101414000061398000162812000906604100016006500000Lending business483903000Prepaid Payment Instrument business825552000Forex business63801000Unallocated0Others1187000Lending business1092117000Prepaid Payment Instrument business1556707000Forex business124993000Unallocated0Others2020000137444300027758370000013744430002775837000Lending business-534377000Prepaid Payment Instrument business2961000Forex business-19408000Unallocated1063806000Others-5623000Lending business-501752000Prepaid Payment Instrument business-51453000Forex business-41576000Unallocated1063806000Others-99560005073590004590690000000507359000459069000Lending business13251256000Prepaid Payment Instrument business1627709000Forex business647420000Unallocated0Others855010001561188600039461400016006500000Lending business7398556000Prepaid Payment Instrument business1395374000Forex business270053000Unallocated0Others2058000906604100009066041000Items that will not be reclassified to profit or loss289000289000Items that will not be reclassified to profit or loss578000578000720001450002170004330003839410001688000399370000748000-336103000-150700000042585000073639000-14002000162326000464975000-4056900012800000000023320000-3907200000-9055000-10638060000-3232380001418820000001769180000-350360002529183000000000019540002370900001407977000000000000000000000010994510000088070000000050000000070402400047027000039432800000-636572000427843000042784300015320790001959922000