Capital India Finance Limited has submitted the Financials for the quarter and period ended December 31, 2025.
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Capital India Finance Limited, an RBI-registered middle-layer NBFC, has submitted unaudited standalone and consolidated financial results for Q3 FY26 and the nine months ended December 31, 2025. On a standalone basis, Q3 total income rose to Rs. 6,351.64 lakhs (vs Rs. 5,265.00 lakhs in Q3 FY25), but the company slipped into a small loss of Rs. 41.84 lakhs versus a profit of Rs. 292.19 lakhs a year ago. The headline 9M FY26 standalone profit of Rs. 3,739.30 lakhs (vs Rs. 1,064.69 lakhs in 9M FY25) is almost entirely driven by a one-time exceptional gain of Rs. 9,791.83 lakhs booked in Q2 FY26. On a consolidated basis, Q3 turned in a loss of Rs. 519.21 lakhs while 9M FY26 profit stood at Rs. 3,386.49 lakhs. Asset quality remained stable with Gross NPA at 2.44%, Net NPA at 1.39%, and capital adequacy ratio healthy at 45.88%. The company also allotted 13.47 lakh equity shares under its ESOP plan during the quarter.
Core Q3 operating performance was weak, with the company reporting a loss, rising finance costs, and impairment charges of Rs. 214.83 lakhs. The impressive 9M profit growth is essentially a one-off from the Q2 exceptional item, so underlying earnings remain soft. Investors should track improvement in lending margins, asset quality, and the turnaround of the Rapipay (PPI) subsidiary, which continues to post losses.