5308792026-07-012026-09-305308792026-09-305308792026-03-315308792026-04-012026-09-305308792026-07-012026-09-30in-capmkt:OtherRevenueFromOperations1Member5308792026-07-012026-09-30in-capmkt:OtherRevenueFromOperations2Member5308792026-04-012026-09-30in-capmkt:OtherRevenueFromOperations1Member5308792026-04-012026-09-30in-capmkt:OtherRevenueFromOperations2Member5308792026-07-012026-09-30in-capmkt:OtherExpenses1Member5308792026-04-012026-09-30in-capmkt:OtherExpenses1Member5308792026-09-30OtherFinancialAssetsDomain15308792026-09-30OtherNonFinancialAssetsDomain15308792026-09-30OtherFinancialLiabilitiesDomain15308792026-09-30OtherNonFinancialLiabilitiesDomain15308792026-07-012026-09-30in-capmkt:ReportableSegments1Member5308792026-07-012026-09-30in-capmkt:ReportableSegments2Member5308792026-07-012026-09-30in-capmkt:ReportableSegments3Member5308792026-07-012026-09-30in-capmkt:ReportableSegments4Member5308792026-04-012026-09-30in-capmkt:ReportableSegments1Member5308792026-04-012026-09-30in-capmkt:ReportableSegments2Member5308792026-04-012026-09-30in-capmkt:ReportableSegments3Member5308792026-04-012026-09-30in-capmkt:ReportableSegments4Member5308792026-07-012026-09-30in-capmkt:ReportableSegments1Member5308792026-07-012026-09-30in-capmkt:ReportableSegments2Member5308792026-07-012026-09-30in-capmkt:ReportableSegments3Member5308792026-07-012026-09-30in-capmkt:ReportableSegments4Member5308792026-04-012026-09-30in-capmkt:ReportableSegments1Member5308792026-04-012026-09-30in-capmkt:ReportableSegments2Member5308792026-04-012026-09-30in-capmkt:ReportableSegments3Member5308792026-04-012026-09-30in-capmkt:ReportableSegments4Member5308792026-07-012026-09-30in-capmkt:ReportableSegments1Member5308792026-09-30in-capmkt:ReportableSegments1Member5308792026-07-012026-09-30in-capmkt:ReportableSegments2Member5308792026-09-30in-capmkt:ReportableSegments2Member5308792026-07-012026-09-30in-capmkt:ReportableSegments3Member5308792026-09-30in-capmkt:ReportableSegments3Member5308792026-07-012026-09-30in-capmkt:ReportableSegments4Member5308792026-09-30in-capmkt:ReportableSegments4Member5308792026-07-012026-09-30in-capmkt:ReportableSegments1Member5308792026-09-30in-capmkt:ReportableSegments1Member5308792026-07-012026-09-30in-capmkt:ReportableSegments2Member5308792026-09-30in-capmkt:ReportableSegments2Member5308792026-07-012026-09-30in-capmkt:ReportableSegments3Member5308792026-09-30in-capmkt:ReportableSegments3Member5308792026-07-012026-09-30in-capmkt:ReportableSegments4Member5308792026-09-30in-capmkt:ReportableSegments4Member5308792026-07-012026-09-30ItemsThatWillNotBeReclassifiedToProfitAndLoss15308792026-04-012026-09-30ItemsThatWillNotBeReclassifiedToProfitAndLoss1iso4217:INRxbrli:pureiso4217:INRxbrli:shares530879CIFLNOTLISTEDINE345H01024CAPITAL INDIA FINANCE LIMITEDMain BoardEquity2026-04-012027-03-312026-11-062026-10-31INRLakhsQuarterlySecond quarterMulti segment2026-11-0614:00:002026-11-0616:00:00trueCash Flow IndirectNot applicable2026-07-012026-09-30UnauditedConsolidated61781000000253991000235890006770002841450000597230001239935000408340001280769000211000003415210002319840007362000038980300000-186380002697550001288256000-74870000-74870005516000837200013888000-213750000000-21375000-3555000-249300007531000-289060005853000-3078300078211300020.020.02000.020.020.0132Notes to the Statement of Unaudited Consolidated Financial Results for the Quarter and Half year ended Sep 30, 2026 <br /> <br /> 3) The 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 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 /> 4) The group has applied its material accounting policies in the preparation of these consolidated financial results consistent with those followed in the consolidated financial statements for the year ended 31st March 2026. <br /> 5) The auditors have carried out Limited review of the Financial Results for the Quarter and Half year ended Sep 30, 2026 as required under Regulation 33 and Regulation 52(4) of SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015. <br /> <br /> 6) The consolidated financial results have been reviewed by the Audit Committee and approved by the Board of Directors at its meeting held on Nov 6, 2026. <br /> <br /> 7) Consolidated Segment information in accordance with the Ind AS 108 – Operating Segments of the Group is given as under - <br /> <br /> 8) The figures for the quarter ended Sep 30, 2026, and Sep 30, 2025 are the balancing figures between published figures in respect of the half year ended Sep 30, 2026, and Sep 30, 2025 and the published figures for the quarter ended Jun 30, 2026 and Jun 30, 2025 respectively. <br /> <br /> 9) The Government of India has consolidated multiple existing labour legislations into a unified framework comprising four labour codes collectively referred to as the "New Labour Codes". The Group has estimated the incremental impact of these changes based on an actuarial valuation and has recognised a charge amounting to Rs.150.45 Lakhs in the Financial Results for the year ended Mar 31, 2026. The Group continues to monitor the finalisation of Central / State Rules and clarifications from the Government on other aspects of the Labour Codes and would provide appropriate accounting effect on the basis of such developments as needed, if any. <br /> <br /> 10) Exceptional items for the year ended Mar 31, 2026 includes gain of Rs.10,638.06 lakhs arising from the sale of Group's entire stake of 99.82% held in Capital India Home Loans Limited. <br /> <br /> 11) The Company in connection with its foreign exchange business operating under the brand name “RemitX” has entered into an Asset Purchase Agreement for sale of assets and transition of referred employees etc. with Kanji Forex Private Limited. In consideration of the transaction, the Company will receive an aggregate amount of Rs. 1,140 lakhs on fulfilment of terms and conditions as per agreement. <br /> <br /> 12) Consequent to the aforesaid agreement, the Company has received facilitation fees of Rs 310 Lakhs on account of transition of employees during the quarter and accounted for the same as “Other income”. Balance consideration will be accounted on fulfilment of terms and conditions as per agreement. The assets relating to “Remitx” business are disclosed as Assets Held for Sale in the Balance Sheet. <br /> <br /> 13) 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 Key Information Document (KID). Further, the Company has maintained asset cover as stated in the KID which is sufficient to discharge the principal amount at all times for the non-convertible debt securities issued. <br /> <br /> 14) During the quarter ended Sep 30, 2026 the Company has issued 100,000 senior, secured, rated, listed, redeemable, transferrable, taxable, non- convertible debentures (NCD) having face value of Rs. 10,000 each aggregating to Rs. 10,000 lakhs. <br /> <br /> 15) 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 /> 16) Previous period/ year figures have been regrouped/ reclassified to make them comparable with those of current period. 2026-04-012026-09-30UnauditedConsolidated119492000000547159000595460001127000602824000011172900025173050004875700025660620007670000068154600048533500015153200080251700000-674770006037560002657976000-919140000-9191400034774000-903200025742000-1176560000000-117656000-3158000-120814000-25173000-92483000-26454000-943600007821130002-0.06-0.0600-0.06-0.060.0132Foriegn Exchange Services43263000Other operating income16460000Foriegn Exchange Services81093000Other operating income30636000Other expenses269755000Other expenses60375600014995470006525130000237614000730000119193930001833446000303661000164469040005871000115635000107037000006386000000180759000414669000266667000115449800017601402000782113000594051900067226320007956400068021960000730002386970000223000014573800007394493000021690200013165280001062630300001148470000580560001729030001079920600017601402000Other Financial assets303661000Other non-financial assets266667000Other financial liabilities1316528000Other non-financial liabilities58056000Lending business689133000Prepaid Payment Instrument business523669000Forex business67338000Others629000Lending business1318296000Prepaid Payment Instrument business1112672000Forex business133441000Others1653000128076900025660620000012807690002566062000Lending business55485000Prepaid Payment Instrument business-55569000Forex business-2044000Others-5359000Lending business104587000Prepaid Payment Instrument business-183450000Forex business-1718000Others-11333000-7487000-919140000000-7487000-91914000Lending business15734633000Prepaid Payment Instrument business930048000Forex business467979000Others653110001719797100040343100017601402000Lending business9599315000Prepaid Payment Instrument business967140000Forex business227430000Others532100010799206000010799206000Note : 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.Items that will not be reclassified to profit or loss-3421000-3421000Items that will not be reclassified to profit or loss-2891000-2891000134000267000-3555000-315800047135700006146000051013000-580081000-2605200000856990000-264694000-3611000151532000-67477000-3189400065000000000117614200017476000-60673000001270000230510000-1396580000-1488494000048985200011852900007594000-1676000-8023260000000000031670001409400060518700000000000000000000000594260000000000009468640001385199000880000000000-526335000-7344010000-73440100022339460001499545000