Capital India Finance Limited has submitted the Financials for the period ended June 30, 2025.
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Capital India Finance Limited, an RBI-registered NBFC, submitted its unaudited financial results for Q1 FY26 (quarter ended June 30, 2025). On a standalone basis, total income fell marginally to Rs 45.81 crore from Rs 46.41 crore a year ago, while profit after tax collapsed to just Rs 11.22 lakh from Rs 4.61 crore, with EPS at a near-zero Rs 0.003. On a consolidated basis, the company reported a net loss of Rs 5.64 crore (vs a loss of Rs 6.35 crore in Q1 FY25), with total income declining to Rs 140.14 crore from Rs 158.97 crore. Segment-wise, the Forex business posted a Rs 2.22 crore loss and the Prepaid Payment Instrument (Rapipay) business continued in deep red at Rs 5.44 crore loss. The board also approved raising up to Rs 200 crore through non-convertible debentures, bonds, and other debt securities, subject to shareholder and regulatory approvals. Asset quality was stable with Gross NPAs at 1.94% and CRAR at a healthy 36.51%.
Standalone earnings were nearly wiped out while the consolidated entity remains loss-making, primarily dragged by the Rapipay prepaid payments and Forex segments. The proposed Rs 200 crore debt raise and completed Rs 266.53 crore divestment of subsidiary Capital India Home Loans to Weaver Services signal a strategic shift toward a leaner balance sheet, but near-term profitability concerns remain for shareholders.