Capital India Finance Limited has submitted Investor Presentation with the Exchange
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Capital India Finance Limited submitted its FY26 Investor Presentation disclosing strong operational performance across its three business verticals: MSME secured lending, fintech/neo-banking via RapiPay, and forex via RemitX. The lending business achieved Rs. 1,227 Crore AUM with 22% YoY growth, supported by 46 branches across 9 states. Key financials show PAT of Rs. 40 Crores (up 243% YoY), Total Income of Rs. 327.59 Crores, and a healthy CRAR of 40.99% with Net NPA at 1.32%. Spread improved by 81 bps YoY driven by 19 bps yield improvement and 62 bps reduction in cost of funds. The fintech subsidiary RapiPay has onboarded ~730K direct business outlets and serves ~100+ million unique customers. The company successfully completed its strategic shift from wholesale to MSME/retail lending, with a credit rating upgraded to 'A' and a diversified borrowing franchise of 23 lenders.
Strong operating metrics and profitability growth signal execution capability; the strategic pivot to granular MSME lending and improving margins are positive for long-term shareholder value, though the company remains small-cap with execution risks in branch expansion.