Capital India Finance Limited has submitted to the Exchange, the financial results for the period ended December 31, 2025.
CIFL · price
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On the reaction day the stock moved 2.8 pts less than Nifty Microcap 250 and 3.6 pts less than its Non Banking Financial Company (NBFC) peers, over the same two closes: a difference in percentage points, not a measure of what the filing did.
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Capital India Finance Limited, an NBFC, reported unaudited Q3 FY26 results. Standalone total income grew to Rs. 6,351.64 lakhs from Rs. 5,265.00 lakhs a year ago, but the company slipped into a small loss of Rs. 41.84 lakhs in Q3 versus a profit of Rs. 292.19 lakhs in Q3 FY25, mainly due to higher finance costs and elevated impairment of financial instruments. On a 9M basis, standalone PAT jumped to Rs. 3,739.30 lakhs from Rs. 1,064.69 lakhs, but this is heavily boosted by a one-time exceptional gain of Rs. 9,791.83 lakhs linked to the divestment of subsidiary Capital India Home Loans Limited (up to August 11, 2025). Consolidated 9M revenue declined to about Rs. 40,497 lakhs from Rs. 42,622 lakhs, with a Q3 consolidated loss of Rs. 519.21 lakhs driven by ongoing losses in the Rapipay prepaid payments business. Asset quality remained stable with GNPA at 2.44% and NNPA at 1.39%, while capital adequacy stood strong at 45.88%.
Short-term shareholders may react negatively to the Q3 loss and weaker consolidated performance, but the exceptional gain from the home loan subsidiary sale has lifted 9M profitability. Investors should focus on core lending business trends, rising finance costs, and whether the prepaid payments arm can return to profitability before drawing long-term conclusions.