Capital India Finance Announces Audited Financial Results for FY 2025-26

Capital India Finance Announces Audited Financial Results for FY 2025-26​

Capital India Finance Limited announced its audited financial results for the quarter and the full financial year ended March 31, 2026. The Company reported both standalone and consolidated figures, detailing the Group's performance across various segments, including the lending and forex businesses.

The Board of Directors of Capital India Finance Limited approved the audited Standalone and Consolidated Financial Results, along with the Statement of Assets & Liabilities and the Statement of Cash Flows for the year ended March 31, 2026.

Consolidated Performance Review​

The Group's consolidated financial results for the year ended March 31, 2026, recorded a Total Income of 53,284.24 lakhs, compared to 55,022.44 lakhs in the previous year. Total Expenses were recorded at 56,212.95 lakhs for the current year, resulting in a Profit/(Loss) before tax of 3,700.99 lakhs (from exceptional items) and a Profit/(Loss) for the year/period attributable to owners of the Company of 1,190.51 lakhs.

The Group's total assets stood at 1,84,561.10 lakhs as of March 31, 2026, an increase from 1,85,259.32 lakhs in the previous year.

Key segment revenues highlight the strength of the prepaid payment instrument business, which contributed a Total Segment Revenue of 30,332.32 lakhs for the year ended March 31, 2026.

Standalone Financial Snapshot​

For the standalone entity, Total Income reached 22,966.81 lakhs for the year ended March 31, 2026, compared to 20,614.04 lakhs in the prior year. Total expenses were reported at 19,325.74 lakhs, leading to a profit for the year of 1,178.10 lakhs.

The Company's Total Assets stood at 1,36,669.23 lakhs as of March 31, 2025, and increased to 1,71,119.00 lakhs as of March 31, 2026.

Standalone Financial Highlights (Amounts in Lakhs)​

Capital Structure and Credit Ratings​

Regarding the Company's debt structure, outstanding qualified borrowings increased to 924.24 lakhs by the end of the financial year, up from 665.17 lakhs at the start of the year. The incremental borrowing during the financial year amounted to 585.00 lakhs.

The Company’s credit rating remains at A I Negative outlook for Long Term borrowing and Non-Convertible Debentures.

Operational and Compliance Updates​

During the financial year ended March 31, 2026, the Company completed the sale of its entire stake of 99.82% in Capital India Home Loans Limited (CIHL) to Weaver Services Private Limited. This transaction resulted in a recognized gain of 9,791.31 lakhs for the Company.

As per the compliance report, several ratios are reported as compliant, including the Total Term Debt/Equity ratio, which stood at 1.39, and the Net NPA, which was 1.32%, remaining within the stipulated limits.

The Company's total assets grew significantly, with Total Financial Assets rising to 1,64,370.52 lakhs on March 31, 2026, from 1,32,188.24 lakhs in the previous year.

Cash Flow and Reserves​

The Statement of Cash Flows showed that Net cash generated from operating activities for the year ended March 31, 2026, was (27,871.71) lakhs, compared to (2,191.42) lakhs the previous year.

The Group’s total comprehensive income for the year ended March 31, 2026, was 1,186.75 lakhs, contributing to a year-end cash and cash equivalents total of 17,569.99 lakhs.

The Company also reported that it allotted 19,24,406 equity shares of face value of Rs. 2 per share to employees who exercised their options under the approved CIFL Employee Stock Option Plan during the year ended March 31, 2026.

The statutory auditors issued an unmodified opinion on both the standalone and consolidated financial results, confirming the presentation in accordance with applicable Indian Accounting Standards.

CIFL Stock Price Movement​

Today, Capital India Finance Limited shares slipped by 6.99% to settle at ₹25.98. The equity recorded a total traded volume of 211,877 shares, marking a sharp decline from its previous close of ₹27.2.