Outcome of Board Meeting - Audited Financial Results (Standalone and Consolidated) for the quarter and Financial Year ended on March 31, 2026.
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Capital India Finance Limited reported strong FY2026 results with standalone total income of ₹22,966.81 Lakhs (up 11.4% YoY) and net profit after tax of ₹4,035.84 Lakhs (up 242.7% YoY). The exceptional gain of ₹9,791.31 Lakhs from sale of subsidiary Capital India Home Loans Limited significantly boosted bottom-line. Without this exceptional item, the company would have reported a pre-exceptional loss of ₹5,251.16 Lakhs due to elevated impairment provisions of ₹3,591.44 Lakhs. Standalone loan portfolio grew 25.4% to ₹1,12,688.26 Lakhs. Gross NPA stood at 2.50% and CRAR at 40.99%. The Board declared an unmodified auditor's opinion. The company issued 5,000 NCDs worth ₹5,000 Lakhs during the year. Consolidated results include four subsidiaries with consolidated revenue of ₹33,902.90 Lakhs for the year.
The PAT growth of 242.7% is largely driven by a one-time exceptional gain; underlying operational performance shows pre-exceptional losses due to high impairment charges. The 25.4% growth in loan portfolio and strong capital ratio (40.99%) provide stability, but the negative outlook on credit rating and negative operating cash flow of ₹(27,871.71) Lakhs warrant monitoring.